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DOES DENTAL INSURANCE COVER DENTAL IMPLANTS

 
Just What Are Dental Implants - Who Needs Them

If you loose a permanent tooth due to an accident, and the tooth is recovered quickly enough, you can sometimes have it reattached, but often too much time passes between the loss of the tooth and getting the person to a doctor or dentist. Often, the only choice for those who need to replace a tooth is a dental implant.

Dental implants are artificial tooth replacements used to counter tooth loss and attached to a replacement tooth or a bridge. They do not rest on the other teeth to support the replacement tooth, but rather are tooth into the gums. Dental implants are placed into locations where teeth have recently been extracted. Dental implants are stronger and more durable than their restorative counterparts (bridges and dentures).

Dental Implants - Are Among The Most Successful Procedures In Dentistry

Dental implants are natural-looking replacements for missing teeth due to periodontal disease or an injury. Dental implants are so natural-looking and feeling, you may forget you lost a tooth. Dental implants look and feel like your own teeth. They are extremely naturalistic, and those who receive dental implants often do not notice a difference in the oral function after the surgery has healed.

Implants can replace removable bridges or dentures, or they can be used to stabilize and secure the denture, making it much more comfortable. Dental implants are very durable and will last many years. Implants offer stability because they fuse to your bone. Dental Implants replace individual teeth and partial bridges in the upper and lower jaws. Implants are very durable, will last many years, and require the same "maintenance" as real teeth, including brushing, flossing and regular dental check-ups.

Does Dental Insurance Cover Dental Implants - What Is The Cost

Dental implant insurance is any dental insurance policy that covers the cost of dental implants. Many dental insurance providers do offer implant insurance, but often it is more expensive than insurance without implant coverage, and there are other considerations you need to make before signing up for the surgery. Coverage under your medical plan may be possible, depending on the insurance plan and/or cause of tooth loss.

Detailed questions about your individual needs and how they relate to insurance should be discussed with your dentist and your insurance provider. Before you sign up for dental implant surgery, you need to make sure that your dental insurance plan has dental implant insurance. Dental insurance does not automatically come with insurance for implants. If you are uncertain, please read your policy or check with your insurance provider.

The cost of dental implants without insurance coverage, dental implant insurance to be exact, can cause significant problems for your family's budget!

If You Loose A Permanent Tooth - Either Due To An Accident Or Tooth Decay

There is not much medically that can be done to replace the missing tooth. If it is lost due to an accident, and the tooth is recovered quickly enough, you can sometimes have it reattached, but often too much time passes between the loss of the tooth and getting the person to a doctor or dentist. Often, the only choice for those who need to replace a tooth is a dental implant.

Dental implants are artificial roots for a tooth that is placed in your mouth and attached to a replacement tooth or a bridge. They do not rest on other teeth to support the replacement tooth, but rather are rooted into the gums. They are extremely naturalistic, and those who receive dental implants often do not even notice a difference in their oral function after the surgery has healed.

Dental implants are a great substitute for dentures and bridge work. They are secure, and do not feel or look fake. The only problem with the procedure is the high dental implant cost. That is where dental insurance for implants comes into play.

Problems of Implant Dental Insurance  - Pre-Existing Conditions

Many insurance companies offer implant coverage, but their are waiting periods prior to dental implant insurance coverage. They might offer detailed implant coverage, but you may have to be on the policy for a year or more before they will cover it, and they will not cover implants due to pre-existing conditions which you had prior to the policy. Please read your policy carefully or contact your insurance agent.

It is crucial to read any dental insurance policy that you have thoroughly before signing up for implant surgery. You may find that the insurance plan will not cover it for one reason or another. At that point, you will have to decide if the surgery is going to be possible on your current budget.

Dental Insurance - Customer Service Department

Our customer service department is ready to assist you with any questions you may have and help you purchase an employer, family or individual dental insurance plan today.  We provide access to many of the largest, most recognized individual dental insurance networks in the nation.

InsuranceCompany.com is a specialist in dental insurance, dental discount plans, vision and prescription coverage programs for individuals, families and groups. We have been serving the dental community since 1983, you will find our licensed dental insurance agents are well informed and ready to assist you. Compare dental insurance plans and decide which one is right for you and your family.

Many of our dental plans have next day benefits including vision and prescription. InsuranceCompany.com offers quotes for individual and family dental insurance plans including an option to compare dental national coverage plans. Remember, buying dental insurance does not have to be a painful process. We offer dental benefit coverage in all 50 states.

I hope this information on dental implants has helped you and your family.
Dr. David Blunt

 

Dental Insurance - Oral Health Dental Care Information

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Does Dental Insurance Cover Teeth Sealants
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Dentures - Defraying the Cost with Dental Insurance
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Dental Health - Dental Insurance Benefits
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Teeth Whitening - Does Dental Insurance Pay
Teeth whitening products is the latest fad but are they safe for you and your family...

What is Cosmetic Dental Insurance
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Teeth Cleaning - Helps Reduce Insurance Premiums
Dental hygiene remains at the bottom of the health care duties...

Toothache Home Remedies - Garlic, Peppermint
Natural toothache remedies are more common than people think...

Does Dental Insurance Cover Implants
Dental implants are a great substitute for dentures and bridge work...

 

What are Dental HMO's

These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan.

The dentist is paid on a per capita (per person) basis rather than for actual treatment provided. Participating dentists receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:

- Monthly premiums (some require you to prepay a year's worth)

- Co-payments for office visits

- Free preventive or routine care

- You must select from an approved network of dentists

- May have an initial enrollment fee

- Annual dollar cap

- Your average monthly cost: $5 to $15

- Companies selling these plans are regulated by state insurance departments.

Finding the right value in dental insurance or dental plans is an important step in purchasing dental coverage for you and your family. Both types of dental plans have advantages and disadvantages and one size does not fit everyone.

Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs. We sell both individual and family dental insurance and dental discount plans throughout all 50 states. Here are some brief examples that may help you decide.

Indemnity - Dental Insurance

This is the plan where you choose your own dentist. The dental insurance plan pays the dental office (dentist) on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered.

An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client. These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans:

  • High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

  • Probationary periods on certain procedures that last up to a year

  • Annual dollar limit on benefits

  • Chose your own dentist

  • Your average monthly cost: $15 to $25

  • Companies selling these plans are regulated by state insurance departments.

Dental Discount

You will want to use caution with this type of dental plan since it is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.

This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.

Learning About Dental PPO's

Preferred Provider Organizations

Another true insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of dentists.

The participating dentist agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser. If the patient chooses to see a dentist who is not designated as a "preferred provider," that patient may be required to pay a greater share of the fee-for-service. 

A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

  • Monthly premiums

  • Annual dollar cap

  • You must stay within the approved network of dentists or pay higher deductibles and co-payments

  • Your average monthly cost: $20-25

  • Companies selling these plans are regulated by state insurance departments.

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan — not insurance — in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator. You, the patient, pay the full amount directly to the dentist, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.
Some typical features of a direct reimbursement plan:

    Some typical features of a direct reimbursement plan:

  • Neither you nor your employer pay monthly premiums

  • Freedom to choose any dentist

  • Typical employer cost: depends on the number of employees and

  • benefit caps

  • Benefits usually capped at $500 to $2,000 annually.

Dental Insurance - How Dental Benefits Help You

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PPO Dental Insurance
Learning about Dental PPO's Preferred Provider Organizations - another true insurance plan..

Dental Plan Coverage
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Indemnity Dental Insurance
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HMO Insurance Networks
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Business Dental Insurance
Business dental insurance plans have become essential to businesses...

Affordable Dental Insurance
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Dental Insurance for Braces
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Supplement Dental Insurance
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Student Dental Insurance
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Dental Insurance for Crowns
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Cosmetic Dentistry - Insurance
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Best Dental Insurance Plans
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Types of Dental Insurance
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Dental Insurance - Important Dental Care Information

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Making Informed Choices
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Choosing a Dentist
Dental benefits plans can be categorized by the options offered for selecting a dentist. Some plans allow you the freedom to choose your own dentist...

Paying the Dentist
When choosing a benefits plan, it is important to know who pays what to whom. Dental plans can be categorized into three types based on the compensation and treatment provided...

All Dental Plans have their Limitations
Today's health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost. Because each person's oral health is different, costs can vary widely. To control dental treatment costs...

Annual Benefits
To help contain costs, your plan may limit your benefits by number of procedures and/or dollar amount in a given year. In most cases, particularly if you've been getting regular preventive care, these limitations allow for adequate coverage...

Getting the Most out of Your Dental Plan
To take full advantage of your dental benefits plan, visit the dentist regularly and get the preventive care that will keep your mouth healthy...

 


Dental Insurance Disclosure

The dental insurance programs listed are based upon the zip code you entered and their availability. If we are unable to offer a dental insurance plan, we will provide a dental discount plan, if available, and clearly state it.

Please be sure to contact the plan dental office to confirm they are accepting new patients and they are accepting the dental plan you have selected. If you have any dental plan questions please feel free to contact our office during regular business hours. You will find our licensed insurance agents ready to assist you.

Our dental web site is very clear if you are selecting a dental insurance plan or a dental discount plan. We understand that there are many dental plan web sites popping-up all over the internet, claiming to offer "dental insurance" when in fact they do not and are not licensed to offer a dental insurance plan.

If you find a site that says they offer dental insurance, they are "required" to show their insurance license information on the web site, as noted at the bottom of this page. If they don't, then report them to your local state department of insurance.

If you find a dental web site stating they offer "dental insurance" and in fact they don't, then take the opportunity to report that site to the search engine you found them on.

Our entire staff is licensed to offer, sell and service dental insurance. Always ask to speak with a licensed insurance agent. Ask them if they are licensed. Full disclosure is our guarantee...
 

Members can save on all dental charges and procedures including dental restorative cosmetic work (fillings, dental crowns, dental braces, dental implant's) and dental product related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays, etc).  General dentistry, dental hygienist, dental assistant, dental assisting and all specialties where available are covered.

DENTAL INSURANCE, DENTAL PLANS, VISION & PRESCRIPTION COVERAGE
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This is not an attempt to describe the product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability  If you have any questions regarding the information collected, please contact the agency. All quotes are provided by DEL AMO Insurance Services, Inc,. DBA:  InsComp Insurance Services and/or one of it's affiliated agents, brokers, agencies, brokerages, and/or companies  Lic: 0B93601  Agent David Blunt, Lic: 0638553. Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner.

2014-10-23T10:08:25+00:00 Harbor City - Los Angeles, California.