Finding dental insurance that covers dental implants can be time-consuming. If you have ever lost a tooth accidentally, you definitely understand why you need dental insurance that covers implants. The good news is that many dental insurance carriers provide coverage for dental implants. The bad news is that many of these policies require a lengthy waiting period before the insured can benefit from this coverage.
Understanding Dental Implants
Dental implants are artificial roots for a tooth. They are placed inside the gums and hold the tooth. An individual tooth or a group of teeth (known as a bridge) can be attached to a dental implant. Dental implants are instrumental in replacing a tooth that was knocked out prematurely in an accident. If you see a dentist soon enough, she can insert the dental implant into the gum and secure the tooth.
While you may be relieved to find out that many plans cover dental insurance, it is disheartening to know that many of these same plans impose a 12-month waiting period before you can receive this type of service. If you are looking for insurance that covers dental implants now, it is unlikely that you want to wait for a year before taking advantage of these services. Even though it is difficult to wait for an extended period of time, it is nearly impossible to avoid.
Also, you'll need to remember your annual maximum if you ever require dental implants. If you have a lot of dental work done, you can reach your maximum insurance payout quickly. Keep in mind that, if you are maxed out for your dental insurance, your policy will not pay the cost of your dental implants.
Medicare dental coverage does not cover as many procedures as you are probably used to, so you may want to invest in supplemental dental insurance.