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What Dental Insurance Covers Implants
Alfred Said:
What is the best dental plan for getting implants?We Answered:
Most of the people answering this question don't know what they're talking about.I've had two employer sponsored dental plans and they both covered implants. Aetna and Metlife. They usually cover about 50% of the implant cost. They also cover the restorative part. Unfortunately they cap yearly coverage at around $1200.00 so if you want to use the insurance to it's fullest advantage you have the implant done in the latter part of the year and have the crown done the following year.
If you're purchasing insurance on your own it would probably be too expensive to take out a policy that covers implants.
If you're employed and your employer offers a medical spending account you may want to put money away for next year and plan the
implant for after the first of the year. It's before tax money so no taxes are paid on it and you can access the full amount after Jan 1st of next year.
Doris Said:
what individual dental insurance is good?We Answered:
By the time that kind of coverage kicks in, you're at least three years into the plan and have paid for well above full "retail" value of those treatments in premiums, plus whatever portion of the fee that the plan doesn't cover. You'll end up paying triple or quadruple for your dental work.For individuals it makes more sense to save some money every month instead, and use it to pay their own way. While some dental work is extremely expensive, cleanings, fillings, and so on are relatively affordable. It's just a matter of priority.
Zachary Said:
Dentists/dental assistants- insurance help?We Answered:
If your insurance won't cover the implants, you could look into a discount dental plan to cover your implants. The premiums are usually less expensive than insurance. I have located a website that you can use to compare discount dental plans, as I only have personal experience with Ameriplan. I will list both below as sources for you. I would compare each plan's monthly premium, number of local providers, and the savings you would receive on your implants. I wish you the best of luck.Joel Said:
Insurance problem.m a dental doctor, I did some implants of a patient almost a year ago,?We Answered:
You have no obligation to file an insurance claim on his behalf. Additionally, once six months are past, most insurers won't accept the claim.You need to put his account through collections. Sue him for it. He lied, about the insurance. Now he'll have to pay.