Coverage for Dental Implants?
There is generally No coverage for implants.
We did find THREE Individual Plans from Dental for Everyone that will cover implants!
- Delta Dental No Wait plan and
- Renaissance Dental Max Choice Plan
- Click on the button below to get quotes and details.
- Check out alternatives to Implants
- For a quick look at the schedule for what the percentage paid is click on the relevant link. Delta or Renaissance or just scroll down the page.
- Check out Medicare Advantages plans – some may offer $400/quarter that rolls over quarterly, but not annually and may also offer “essential extra’s” like a $500 flex card
Try turning your phone sideways to see the graphs & pdf's?
Liberty Dental Plan!
Liberty Dental DHMO plan features large group type benefits, but is not rated by age or zip code, and individuals and/or groups with no participation requirements!
No Annual Maximums, No Claim Forms, Coverage for Pre-Existing Conditions, No Waiting Periods, Orthodontia, Dental Implants and More.
Brochure and Enrollment Kit
- Liberty Provider Directory
- Liberty Dental Enrollment Forms
- Copayment Schedule of Benefits
- Implants Page 7
- Liberty Online Provider Directory *
*When using the online provider link, select the CA-400 plan (not to be confused with the CA-400-R Plus) from the Benefit Plan /Network drop down. You will have to scroll down about half way to find it. Then select Zip Code, Country, State and City and click on the Search button.
- One of our colleagues on how Dental for Everyone Works.
- Some of our webpages on dental
- VSP Vision
Dental Implant Picture
Dental implants (ADA Codes) may be thought of as artificial tooth roots which allow the fabricated teeth to be firmly attached to the mouth. One may consider the jaw bone as a piece of wood and a dental implant as a screw
Learn more from REAL Dentists:
Write implants off your Taxes – using Health Savings Accounts
The average cost of placing a single dental implant ranges from $1,600 to $2,200, not including the cost of a restoration. Redd Road *
Implants may be covered under health insurance, if there is a “medical necessity” like cancer, major accident or skeletal deformity. View sample Delta policy page 40 #32.
You can include in medical expenses the amounts you pay for dental treatment. This includes fees paid to dentists for X-rays, fillings, braces, extractions, dentures, etc. including artificial teeth (IRS Publication 502 Page 5 & 7)
Implants are done when one doesn’t want a bridge because it more permanent and look better even in the back of the mouth and in view of this it’s considered cosmetic.
Unfortunately, implants are not generally a covered benefit. However, it is possible that Delta would provide an allowance for the covered benefit. It’s best that the enrollee ask their dentist to submit a pre-determination to Delta so that Delta can determine the covered benefit (if any) and the enrollees responsibility for payment in advance.
The replacement of lost or stolen dentures, crown and bridge work, dental procedures and charges incurred as part of implants (placement or removal) and prosthetic devices placed on implants (fixed or removable, for example: bridges, crowns) are not covered. Smile Saver Brochure
- Delta Dental offers implant coverage for both groups and individuals:
Be sure to put in our AGENT # 2094784
Delta Dental – Covered CA Plans
- Delta Dental PPO Premium Plan covers implants at 50%, after a 12-month waiting period.
- Delta Dental Individual & FamilyTM Delta Dental PPOTM Family Dental Plan 669 KB
- Delta Dental PPOTM Children’s Dental PPO for Small Businesses 790 KB
- Delta Dental PPOTM Family Dental PPO for Small Businesses 794 KB
- Delta Dental Individual & FamilyTM DeltaCare® USA Family Dental HMO 872 KB
- DeltaCare® USA Children’s Dental HMO for Small Businesses 837 KB
- DeltaCare® USA Family Dental HMO for Small Businesses 848 KB
That's why the premium is very low or ZERO!
- Set a phone or Skype Meeting
- #Intake Form - We can better prepare for the meeting
- HMO - Narrow Networks?
- Do I just sign up with a Medicare Advantage Company and automatically get * Parts A & B or do I have to get those from Medicare.Gov * VIDEO
- Get Quotes, Full Information and Enroll
- MANDATED wording!: Think Advisor * ‘‘We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.’’
- We disagree with the above wording, as we can use the same tools on Medicare.gov as they do!
- FYI a 4.27.2022 HHS Office of the Inspector General report found that MAPD plans denied 13% of prior authorizations that would have been covered under original Medicare (Conversely, Medi Gap, just follows what Medicare pays.)
- 88% of MAPD enrollees are happy
MAPD plans often include Dental & Part D - Rx Prescriptions and often have NO premiums! How is that possible? The Federal Government pays them around $700/month to handle your medical care. You must continue to pay your Medicare Part B premium of about $170/month. It's best to apply when you turn 65 for the supplement plans or advantage plans, as that's the main "Open Enrollment" period, guaranteed issue for any plan.
Medicare Advantage Plans also have an annual open enrollment now known as AEP Annual Election Period October 7 to December 15th.
Additional Coverage is important as Medical Bills are increasing Seniors Credit Card Debt or leading to possible bankruptcy?
- Dental care reduces likelihood of hospitalization for people with diabetes or coronary artery disease Medical Press 5.6.2022
- The 2022 State of America’s Oral Health and Wellness Report Commissioned by Delta Dental Plans Association
- What drives buyers of individual Delta Dental plans?
- Why Buy Dental Insurance? VIDEO
- What dental Insurance... should I buy???
VIDEO the dentist attempts to give you some guidance about things to consider before buying a dental insurance plan, finance plans available, negotiating with your dentist
- Sacramento Truck driver sudden dealth from tooth infection Sacramento Bee 1.31.2017
- Health Savings Accounts?
- Video - how bad sugary drinks are for you
Gum Disease Treatment
With gum disease treatment, we can clean out the infection around your tooth, and hopefully the tooth will heal. Sometimes we might splint the loose tooth or teeth to natural teeth that are stable. This can help stabilize the loose teeth and give them time to heal. Then you’ll still have your natural tooth for longer, potentially the rest of your life. This costs significantly less than a dental implant. And Pinhole ® Gum Therapy can be used to restore the natural contour of your gums.
Caveats: For a tooth that is designated “hopeless,” the success rate is lower than that for dental implants. And because we’re preserving your natural tooth, it will continue to look as it had, so if you’re unhappy with the appearance of this threatened tooth, it might not be the best choice. Plus, sometimes the infection is so serious that we want to remove teeth to better control the risk that the infection could spread to other parts of your body.
Root Canal Therapy
Caveats: Whether a root canal is appropriate or not depends on the state of your tooth. If the tooth root is damaged, a root canal is not recommended. Sometimes an infected tooth can be a serious risk and needs to be extracted right away. Extraction is best for badly damaged or seriously infected teeth.
Dental bridges are fully fixed in your mouth. They’re not loose and won’t slip out, so your diet won’t be impacted, and they can look as good as dental implants. Plus the dental crowns on neighboring teeth can be very helpful if they have been damaged.
Caveats: Dental bridges don’t stimulate your jawbone and gums the way a dental implant does. This may not matter, but it can potentially cause collapse of the gums under the replacement tooth. And if the supporting teeth aren’t fully healthy and strong, they may be put at risk by having a dental bridge placed over them. That’s because two teeth are now being asked to do the work of three. Because of this restriction, we only recommend dental bridges in limited situations where they don’t cause much increased risk to your natural teeth.
What about Dentures?
We didn’t mention removable partial dentures because they aren’t as good as dental implants. Removable dentures don’t look or function like natural teeth, and they can be uncomfortable, even damaging. This is especially true of removable partial dentures, which rarely work well enough to help you chew naturally. Removable partial dentures also collect food and plaque around them, encouraging tooth decay. Those secured with metal wires and hooks can erode teeth, increasing the risk of tooth loss.
An exception is The Denture Fountain of Youth®, which replaces all your natural teeth. This type of denture looks natural and encourages better biting and chewing function. While not as good as implant-supported dentures, they are close. Kuzma *
Links & Resources
- American Academy of Implant Dentistry – Implants vs Dentures & Bridges They have nice explanatory pictures too!
- Dental Implant Cost Guide
- Health Savings Accounts?
- Denture FOY Fountain of Youth VIDEO’s High End Dentures – Better than what your Parents wore
- Interviews – Testimonials VIDEO –
Dental Plans & Related Pages
- Covered CA & More
- Dental Implants
- Blue Cross Dental
- Blue Shield Dental & Vision
Anthem Blue Cross