Does Dental Insurance Cover Dental Implants in Washington DC?
Dental implants are often a preferred choice for adults who have experienced tooth loss. Not only do dental implants provide a strong foundation for both fixed and removable teeth, they also improve general mouth comfort because they become part of you. In essence, dental implants are a great replacement alternative when natural tooth roots have been lost. The cost of dental implants, however, is a common deterrent and one that keeps many people away from having them.
While most insurance plans do not cover dental implants, more and more plans are adding coverage for implants. It will help you to understand exactly what is deemed a dental implant. A dental implant is defined as a support for a bridge or denture that has been surgically placed into bone. If this is a type of procedure you have discussed with your dentist, it is important to contact your insurance company to know for sure if they have an expressed inclusion or exclusion of dental implants in your insurance plan. In many instances, the answer can and will rely upon the difference between a medical necessity and a cosmetic preference.
Having the cost of dental implants covered under your insurance plan will depend on the plan as well as the cause of the tooth loss. While the majority of insurance companies exclude dental implant procedures if they are for cosmetic purposes, others will consider a medical necessity. If your dental implants are deemed medically and dentally necessary, some insurance companies may provide full or partial coverage.
If the tooth loss was due to a tumor or other traumatic event such as a car accident, where reconstructive implants are medically necessary, your dentist may be able to argue the case is a medical and dental necessity and have the procedure approved.
To see if your company is one that currently offers dental implant coverage, check the National Association of Dental Plans. There, you can search their directory of dental plans by state.