Dental Insurance to Cover the Cost of Dental Implants

Consider a few things. Have you spoken at length with your dentist
about the procedure, what it involves, and getting down to the nitty
gritty, what it will cost, including taxes, down to the last penny? If
you presently do not have any kind of dental insurance, bear in mind
that once you sign a policy with a company many plans clearly state
that you must wait a year before you go ahead with any dental work. An
option is to look to a dental HMO as many do not have any waiting
periods whatsoever (or some do but it might be only a matter of months
as opposed to a year). If you have an insurance policy that covers
dental work then congratulations, but look at your policy very closely
and carefully as many policies cover such procedures as regular check
ups, cleanings, fillings and extractions but not cosmetic procedures
such as orthodontics and dental implants. Don't find yourself in a
no-win situation by not doing your homework ahead of time.

Check you policy and see what it does (and does not) cover before you
schedule an appointment for dental implant surgery. Some insurance
policies do not cover conditions that were pre-existing before the
policy began (for instance, broken or missing teeth), while others pay
a certain amount or in some cases, pay for the "least expensive
alternative treatment" (abbreviated to LEAT), according to the
guidelines set down by the insurance company.

If you are considering choosing a new insurance plan and/or selecting
one for the first time, you need to ask yourself a number of relevant
questions found below.

First of all, if it is a plan that is offered by your workplace, are
you as an employee allowed to pick your own dentist or will he/she be
chosen for you? Secondly, is the kind of dental treatment you choose
to undergo decided upon by yourself as the patient and the dentist, or
there is a third party involved in the decision making process?
Thirdly, does the insurance plan in question cover such services as
diagnostic, emergency and preventative care? Preventative care would
cover such things as fluoride treatments and sealants. Also would
full-mouth x-rays be covered by the plan? (One a year? Two?)

The next question would be, what kind of routine dental work is
covered under the policy? Are these types of dental work done-
bridges, braces, crowns, root canals, treatment for periodontal
disease and oral surgery? Does the insurance plan cover dental
implants, dentures or treatment for temporomandibular disorders? If it
does then how much does it cover in terms of percentages? Is emergency
dental work covered by the dental plan? Finally, does the plan address
referrals that come from dental specialists? Can a specialist be
chosen by the patient or not?

Did you find this article useful? You can learn a lot more about
Dental Implants at dental-tooth-implant.com dental-tooth-implant.com