Does Insurance Cover The Cost of Dental Implants?

What are dental implants?  

Dental implants are artificial replacements for natural teeth. Made of titanium, they are designed to be placed in the jawbone to act as a replacement for the root of a tooth. In some cases, other materials such as zirconia may be used. 

What are the pros of having dental implants?   

Dental implants offer many benefits, including: 

• Improved appearance – Dental implants look and feel like natural teeth, so they can greatly improve your appearance. 
• Improved function – Dental implants allow you to eat and speak more easily than with dentures or bridges. 
• Improved oral health – Dental implants do not require reduction of surrounding teeth, as is necessary with bridges. This helps to preserve healthy tooth structure. 
• Improved self-esteem – Dental implants can give you back your smile and help you feel better about yourself. 

What are the risks of dental implants? 

As with any other dental surgery, there are some risks associated with dental implants, including: 

• • • Infection at the implant site 
    • Nerve damage 

• • • Sinus problems 
    • Allergic reactions to implant material 
    • Failure of the implant to bond with the jawbone 

However, these risks are generally low and can be minimized by working with an experienced implant dentist. In addition, proper oral hygiene and regular dental visits can help reduce the risk of complications. 

 

How much do I pay for dental implants? 

The cost of dental implants varies depending on a number of factors, including the number of implants needed, the type of implant used, and the location of the implant. In general, dental implants can range anywhere from $1,000 to $3,000 per tooth. 

How Dental Insurance Coverage Works

Dental insurance in Australia operates uniquely, and having a good grasp of how it functions is crucial to navigating your oral health needs effectively. Here’s what you should know:

1. Inclusion in Extras Policies: Dental coverage in Australia is typically not available as a standalone “dental-only” insurance plan. Instead, it is a part of private health insurance extra policies. These additional policies bundle dental coverage with other healthcare services, such as pharmaceuticals, physiotherapy, chiropractic care, mental health, and optical services.
2. Coverage for Preventative and General Dental Care: Dental insurance mainly helps pay for check-ups, X-rays, fixing cavities, pulling out teeth, and treating tooth problems. These services fall under the category of general dental coverage. The coverage extent depends on the specific extras policy you choose, and it often comes with annual limits.

3. Major Dental Procedures: Dental treatments like dental implants, crowns, bridges, dentures, and veneers are not what dental insurance usually covers in Australia. They call these the “big tooth jobs,” you might have to wait for at least a year before they help pay for them. This means you must hold the insurance for a specified period before accessing coverage for major dental work. Additionally, these procedures are often subject to annual limits set by the insurance scheme.

Are dental implants covered by insurance? 

Most insurance do not cover dental implants. However, there are few insurance plans that may cover a portion of the cost of the implant or the crown (tooth-coloured cap) used to restore the implant.    

If your insurance company covers half of the cost for dental implants, you will have to pay remaining amount from your pocket. In most cases, basic dental insurance policies do not offer any cosmetic coverage at all and are just limited to basics like teeth cleaning and routine check-ups. 

If your insurance isn’t covering dental implants, you may want to consider looking into a dental implant financing plan. 

Many dental implant financing plans offer low monthly payments and no interest rates. This can be one of the best options for those who need dental implants but do not have the cash to pay for them upfront. 

Financing a dental implant procedure can be a great way to get the treatment you need without breaking the bank.  Speak to your dentist today to learn more about your financing options. 

What is the procedure for getting dental implants? 

The dental implant procedure typically involves three steps: 

Step 1: The implant dentist will place the implant in the jawbone. This is done through a minor surgical procedure.  

Step 2: Once the implant has bonded with the jawbone (a process that can take several months), the implant dentist will place an abutment, or connector piece, on the implant.  

Step 3: Finally, the implant dentist will place a dental crown (artificial tooth) on top of the abutment. The crown is made to match the colour and shape of your natural teeth. 

What is the best way to care for dental implants? 

Good oral hygiene habits are important for maintaining healthy dental implants. Be sure to brush and floss your teeth at least twice a day and visit your dentist regularly for cleanings and check-ups. In addition, avoid smoking, which can increase the risk of implant failure. 

Who can get dental implants?  

Most people having missing teeth due to injury, disease, or tooth decay are candidates for dental implants. However, you must know that dental implant may not be meant for everyone. To be an ideal candidate for dental implants, you must meet the following criteria: 

• • • You must have enough jaw bone to support the implant.  

• • • You must be in good overall health.  
    • You must have healthy gums.  
    • You must be willing to commit to good oral hygiene habits and regular dental visits.  
    • You must be a non-smoker.

Payment Options for Patients Not Covered by Private Dental Insurance

If you don’t have private dental insurance, there are ways to make paying for dental care easier. Here are some usual payment options:

• Financing through a Dental Office: Many dental offices offer in-house financing or payment plans. This allows patients to spread the cost of their dental treatments over several months. Typically, there is little to no interest charged, making it a convenient option for those who require dental care but don’t have insurance.
• Credit Cards: Patients can use their credit cards to cover dental expenses. Some credit cards even offer promotional 0% interest rates for a certain period, providing a short-term financing option. However, it’s important to manage credit card debt responsibly.
• Dental Savings Plan: Dental savings plans are membership-based programs that provide discounts on various dental services. Members pay an annual or monthly fee and receive reduced rates for dental treatments at participating providers.
• Personal Loan: If you need cash for dental work, you can loan it from your bank. Personal loans have set interest rates, allowing you to repay in instalments. It is best to explore different loan options to find the one that is suitable to you.
• Healthcare Flexible Spending Account (FSA): This is a pre-tax savings account that can be used for qualified medical and dental expenses. Money contributed to an FSA is deducted from the patient’s paycheck before taxes, which can result in significant savings. However, FSAs have annual contribution limits, and any unused funds may be forfeited at the end of the plan year, so it’s essential to plan accordingly.

Dental implants improve your smile and self-confidence. While they are typically not covered by insurance, the cost of dental implants is worth it for many people. Be sure to work with an experienced implant dentist and follow good oral hygiene habits to ensure long-lasting success. If you want our specialist to carry out the dental implant procedure on you, contact us. Call us on (03) 9999 3328  or drop an email at . to book an appointment. Care Family Dental provides cost-efficient full mouth dental implants in Australia, with a heart for seniors through free implant options.

FREQUENTLY ASKED QUESTIONS 

Can I get an insurance policy that covers dental implants? 

The short answer is yes; you can get an insurance policy that covers dental implants in Australia. To get coverage for dental implants, you must purchase a dental insurance policy that specifically covers them. Not all policies do, so be sure to check the fine print before you buy. There are a few different ways to go about this. First, you could ask your current insurance provider if they offer a policy that covers dental implants. If they don’t, they may be able to refer you to another company. Another option is to search for policies online or through an independent broker. This can be an excellent way to compare rates and coverage.   

My insurance does not cover dental implants; what to do? 

Dental implants, in most cases, aren’t covered by insurance policies. However, some ways to finance dental implants if you need them. There are a few different options for payment plans which can help make the cost of dental implants more affordable. You may ask your dentist what payment plan might work best for you based on your financial situation. There are also several government and charity assistance programs that may be able to help cover the cost of dental implants. 

Are dental implants worth the time, money, and effort? 

Dental implants are definitely worth the time, money, and effort. Not only do they look beautiful and natural, but they also last a long time as they are durable. Implants are made of titanium, a biocompatible material that fuses with bone over time. This creates very strong support for the tooth that can withstand the daily wear and tear of chewing. In addition, implants are ideal for anchoring dentures, making them much more secure and comfortable than traditional ones. If you’re considering dental implants, be sure to talk to a dentist about whether they suit you.  

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