Is Dental Implant Treatment Covered by Dental Insurance?
Insurance coverage of implant treatment depends on the individual policy. However, it is rare to receive any substantial coverage. The benefit coverage is determined strictly by the amount the employer wants to spend on the policy, and how much the insurance companies want to preserve their profit margins. In addition, there are major limitations on most dental insurance plans. In reality, the plans are only designed to cover routine maintenance, emergencies and basic care. The insurance companies use statistical data to determine the most common procedures submitted on claims, then set their own usual and customary fee schedule for these procedures. They then determine the specific restrictions and limitations for each plan. Because the plans are only intended to cover the basics, there is an annual maximum allowable benefit of $1,000-$1,500 on most plans. Although most companies exclude dental implants as a covered benefit, many of them will pay the same benefit they would cover for
go up Insurance coverage of implant treatment depends on the individual policy. However, it is rare to receive any substantial coverage. The benefit coverage is determined strictly by the amount the employer wants to spend on the policy, and how much the insurance companies want to preserve their profit margins. In addition, there are major limitations on most dental insurance plans. In reality, the plans are only designed to cover routine maintenance, emergencies and basic care. The insurance companies use statistical data to determine the most common procedures submitted on claims, then set their own “usual and customary fee” schedule for these procedures. They then determine the specific restrictions and limitations for each plan. Because the plans are only intended to cover the basics, there is an annual maximum allowable benefit of $1,000-$1,500 on most plans. Although most companies exclude dental implants as a covered benefit, many of them will pay the same benefit they would co
