Dental Insurance That Covers Implants in 2020 // No Waiting!
Seeing the price for dental implants can easily make you pull your hair out and figuring out how to pay for it can be even more painful.
Well, I’ve got news for you:
Dental savings plans are a better alternative to dental insurance that covers implants, and you can get a dental plan instantly without any waiting periods.
In this post, I am going to explain to you why a dental savings plan or dental discount plan is your best option when looking to get dental implant services or have dental implant surgery.
What Are Dental Implants & How Do They Work
I like to think of dental implants as replacement teeth, sometimes you may only need one or two, and some people may need several teeth replaced.
How The Process Works
When you go to get a dental implant, the doctor is going to take some x-rays and molds of your teeth to determine the correct layout of your bite and mouth.
Once this process is complete, the dentist will schedule the first round of surgery, and then the implants will be fitted into their permanent spot.
Usually, it can take up to 6 months for the implants to completely fuse to your bone.
You are probably going to need to wait for the healing process to complete before you can get your crown or bridge put permanently into place.
The process is going to vary based on each individual's situation and needs.
A great benefit of getting a dental implant is that they have a success rate of up to 98% and with proper care, they can last a lifetime.
This process takes time and having the best dental implant insurance or plan is very important.
A Dental Plan, Not Dental Insurance For Implants
Your best bet is going to be a dental savings or discount plan and Not dental insurance, here is why:
No Waiting Periods
Unlike dental insurance, there are no waiting periods required with a dental savings plan, this means that you are covered for any procedure from day one.
Another great benefit is that there aren’t any annual deductibles that need to be paid before your coverage goes into effect.
No Annual Limits
The biggest downside to a dental insurance policy is that there are annual maximums.
This means that once you hit that annual maximum, you will no longer have any coverage for the rest of the year and will have to pay out of pocket 100%.
You will not have this issue with a dental savings plan since there are not any annual maximums.
No Pre-Authorizations Before Treatment
You also don’t have to reach out to anyone before you have a procedure completed, this is important to note because you can easily find yourself unable to get a procedure if the insurance company doesn’t approve it.
This product is hassle-free, and no claims forms will be required because savings happen at the dentist's office when having the procedure.
Everyone Is Approved
There isn’t any guessing when it comes to purchasing a dental savings or discount plan.
Everyone is going to be approved for this plan from the start no matter your pre-existing medical conditions.
Hopefully, you are able to see why the best dental insurance for implants is actually not insurance at all.
When it comes to getting the most savings on your dental implant, you want to get a dental savings plan from day one.
The Cost Of Dental Implants
You will quickly find that not all dental implants cost the same amount and this can be contributed to several factors like:
I am sure you are thinking “uhh what,” but yes, if your dentist is renting an office in a location where the rent is high, they might be charging more for their service to cover costs.
Your dentist could also be purchasing your dental implant from a supplier who charges more and my send those charges over to you.
I would recommend reaching out to a few of the doctors in the network to compare initial pricing.
The Number of Implants
Like anything that you buy, the more of it you get, the higher the price is going to be, and this holds true with implants as well.
If you find yourself in need of more than one implant the cost is going to increase; however, your doctor may recommend a more cost-effective option like a bridge.
The Implant Type
If your dentist goes for something constructed out of titanium you are going to be looking at a higher price.
I recommend discussing the different material options with your dentist to see which option will give you both quality and the best price.
Your Dentist’s Years Of Experience
The more experience a dentist has, the higher they are probably going to charge to complete a procedure.
In my personal opinion, I say to always go with the most experienced when you can because you want something like this done the first time correctly.
So, What can you expect to pay on average?
The average cost for an implant is going to be between $1,000 to $3,000 for just one implant, then you will need to pay around $500 to $3,000 for the abutment and crown.
This means in total, you will be looking at anywhere between $1,500 to $6,00 for just one implant.
Needing more than one implant can range from $3,000 to $30,000 and in some cases up to $100,000 in coverage.
It’s easy to only think about the actual implant itself, but it is essential to think of additional fees that you might need to pay such as x-rays, extractions, bone grafts, etc.
The reason the price is so high is mainly that you are having surgery and there is a complete process for getting a dental implant; you can’t just get it done in one visit.
Dental Savings Plans vs Dental Insurance
This is an age old battle; however, if you've never stayed around to see it to the end, we make it very clear:
There is no better option than going with a dental savings plan for any of your dental needs, especially if you have been trying to find dental insurance that covers implants.
There isn’t a way to get low cost dental implants, but you can lower your total cost by purchasing a dental plan.
Most of our plans come with additional benefits as well such as hearing and vision as well.
You don’t have to hold off getting the coverage and having better dental health, check out the different plans and get covered today.
Thanks For Reading My Post... Before You Go!
What did you think of my post? Did I miss anything?
Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 11 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.