Tooth loss is a serious challenge not only for the stunning beauty of your smile, but also for your dental and even general health. And so, its replacement options should be naturally looking, comfortable, and what is more, timely bonded.
Even though dental implants perfectly comply with the first two requirements, their timely placement might be considerably hindered by these cosmetic appliances, to put it mildly, hardly affordable cost. And although these financial aspects are fully justified with the titanium high cost and its fusing with jawbone aimed at the bone loss prevention complicated dental work, this brings little relief to the disappointed patients. Still, dental implant insurance can make the high-quality teeth replacement mission manageable. But even this is a quite tricky issue.
To start with, it is quite challenging to simply find a plan with a dental implants coverage. But even when you spot the insurance companies feeling ready to pay off from 10% to 60% for your dental braces fabrication, you are most likely to realize that they are not going at all to offset the related oral surgeons' work. The other ones willing to fully offset all the expenditures usually impose the unbearably high premiums and / or some other restrictions.
So, how can one find a really worthy dental implant insurance plan? And what additional aspects should he consider?
Obviously, no traditional dental insurance cover such a money-consuming dental treatment, simply considering it to belong to a cosmetic dentistry field. That is why you will have to choose from certain full and even extra coverage dental plans.
What is more, do not assume all dental insurance plans that offset the implantation treatment equally being a dental implant insurance. The thing is that such insurance plans are very likely to be restricted to more affordable missing teeth replacement options, such as a dental bridge or even dentures.
So, carefully check this and some further discussed aspects prior to signing for a dental implant insurance to avoid the unjustified expenditures.
Consider that some dental implant insurance plans are designed to pay off the actual teeth implants fabrication plus materials used, but exclude the related dental work from their list of their coverage. And this is the serious issue, since a truly worthy dental implant insurance plan must pay off the expenditures for the following dental services.
To start with, ensure that the dental implant insurance plan you are about to sign for not only provides the dental implants fabrication coverage, but also offsets the related placement and also restoration work.
Secondly, make sure that this plan provides the dental implants guarantee, which includes the alternative treatment options coverage, whenever the cosmetic appliance fails to integrate into your jawbone given that the placement procedure gets adequately performed. In addition, some dental implant insurance plans offer the implant replacement, whenever the integration is not full. Consider that these guarantees are generally subject only to those clients, who regularly attend not only maintenance, but also oral hygiene appointments at the same dental care provider, who delivered their dental implant procedure.
Thirdly, a worthy dental implant insurance plan should provide you with the repair coverage whenever the implants breakage is related to the external oral damage.
And finally, the emergency treatment coverage is one of the greatest bonuses a dental implant insurance can possibly offer.
The trickiest aspect about the dental implant insurance premiums is that they usually get individually estimated depending not only on the client's current dental plus general health condition, dental implants type required plus number of his teeth subjected to the replacement, but also whether he is a smoker or not.
That is why you should expect to personally meet not only with your insurance company representatives, but also your general physician and dentist, who will assess your general and dental health condition, prior to signing your dental implant insurance contract.
Apart from the related dental services coverage limitations, many dental implant insurance plans are based on the PPO or closed panel dental coverage principle, which means that your insurance company has an agreement with the oral surgeons, who provide their implantation services for a discount cost. This way, you are most likely to be limited to a certain network of dental care providers, who participate in the program.
Apart from that, you should expect the offset waiting period to be long enough and start with a six months mark. In addition, no dental implant insurance plan will pay for the pre-existing condition management. What is more, the treatment exclusion period starts with a year long timeframe.
These dental implant insurance limitations oftentimes force the patients to look for the more affordable dental implants options, which range from the dental students' plus young oral surgeons' services and numerous government supported or NGOs programs or even dental tourism. One can find much more detailed information on the cheap dental implants matter in one of my previous articles.
And finally, remember that a dental implant insurance might still be a sensible decision in some individual cases. So, take your time to consider all the benefits offered and also potential limitations yet prior signing your dental implant insurance contract. Be healthy and wealthy!