Dental implant plans are insurance policies that cover implants. Since implants are considered to be cosmetic, they were not covered in recent years under most dental insurance plans. With an insurance policy that covers these, there is no need to pay full price. Depending on the company providing the policy, they may cover a specific percentage of the implants and accompanying procedures or they may simply pay a flat reimbursement fee. There are several different types of plans that include this procedure, each varying in provisions and terms. They are available from employers in some cases. There are also individual plans that can be purchased in addition to a main dental plan or as a secondary coverage.
Finding implant dental plans is fairly simple. Since so many people are getting rid of their outdated dentures or traditional bridges and replacing them with implants, insurance providers are beginning to offer coverage for them. In their efforts to compete for more business, they're also offering more attractive reimbursement amounts or coverage percentages. In nearly every state, there are at least five or more choices for individual coverage. Some employers have elected to add basic cosmetic procedures to coverage options.
When looking for implant dental plans, there are a few important things to consider. First, decide which compensation type is preferred. There are plans that offer a flat-fee reimbursement or ones that cover a percentage of the procedure and materials used. If plans are based on a percentage, there are usually a limited amount of approved dentists. Insurance companies that use a percentage basis don't want to pay 40% of the fees a famous cosmetic dentist charges, but rather 40% of the bill from an affordable dentist. In reimbursement plans, policyholders are generally free to choose their own dentist, as the compensation is a simple flat rate.
Comparing various dental implant plans requires some research and invested time. With so many different providers, each having different rules and compensation plans, there are several choices to consider. It is important to know what the annual cap amount is, if applicable. The cap amount is a number in the form of dollars that cannot be exceeded in the coverage year. For example, some companies that cover a high percentage of a procedure may set a cap amount of $1,500. This means that any services exceeding this number will be the personal responsibility of the policyholder. There are many more considerations for dental implants plans, so take the necessary time to research and understand them before enrolling.