Dental implants are surely the best solution for replacing a tooth because the dental implants have a 90 to 95% success rate and the implanted tooth looks and feel just like natural teeth. However, people avoid getting dental implants because it is expensive than getting a bridge or dentures. The cost for a single dental implant ranges from $500 to $6,000 depending on the quality of the implants. Besides, even most of the dental insurance plans consider dental implants as the cosmetic and so they don’t cover the procedure. Thus, individuals who wish to obtain this expensive dental implant done will need to look for some popular dental plans available in their area that provide coverage for dental implants, and which dental plans will turn out to be the best option for them.
Some of the Dental insurance providers offering dental insurance plans that provide coverage for dental implants are:
Delta Dental Insurance is the U.S. leading dental insurance provider offering dental coverage to nearly 62, 000 enrollees in all 50 states and Puerto Rico. The insurance carrier has been in business for over 50 years having an “A-Excellent” rating from A.M. Best and having contracts with dentists of around 348,000 locations. Currently, the company is offering four types of dental plans namely, Dental PPO dental plans, Dental HMO plans, Fee-for-Service dental plans, and Dental Discount Plans.
Individuals may also qualify for group coverage through an employer or through the Marketplace. The monthly premiums for Delta Dental vary plan to plan and location. Individuals may qualify for dental implants coverage if they either have a Delta Dental PPO™ plan or Delta Dental Premier® plan. Depending upon the policy, individuals may have waiting periods ranging from six to twelve months. However, individuals are advised to ask for a pre-treatment estimate first, because this will help them know their coverage, and also whether they will exceed their maximum or not, and will also include the amount which individuals will be responsible to pay and their payment options.
Spirit Dental is an online marketplace for individual and group dental plans that offers two dental plans, Spirit Network Dental Insurance, and Spirit Choice Dental Insurance. Both these dental plans offer coverage for dental implants. Individuals purchasing this dental plan should know that their plan will become effective within three days, so these plans have a short waiting period compared to other options. Individuals will have a one-time, lifetime deductible of $100 and the annual maximum coverage is $5,000. The monthly premiums of these plans vary from state to state. There is a vital exception in the plan if individuals have lost their teeth before signing-up for these plans, then Spirit Dental will cover for those implants.
It is an online marketplace that has been around since 1999 offering dental savings plans like dental discount plans, which is an alternative to dental insurance. The company works with over 30 health insurance carriers like Aetna, Cigna, etc. Individuals can receive access to a network of discounted dentists after paying $80 to $200 per year. According to the company’s representative, there are no waiting periods and annual or lifetime caps. Individuals enrolled in these options can save 20% to 55% of the dental implants costs. However, people need to carefully sign for a plan as canceling a plan is difficult for the company.
It is one of the oldest health insurance companies with a history dating back to 1887 and having one of the five largest networks in the country. According to the company’s website, their network of dental care providers charge around 25% to 50% less than their normal rates. The company offers a few dental plan options like PrimeStar® Protect 1000, PrimeStar® Protect Network 1000, PrimeStar® Protect 2000, and PrimeStar® Protect Network 2000. All these plans offer 50% coverage for dental implants after the first year of the dental plan. However, the maximum annual benefit may be under $2,000, which might not be sufficient for costly dental procedures. These plans do not have lifetime caps except for child orthodontics. Though the company offers a unique dental rewards program for individuals who spend less than a certain amount in a year, the remaining amount can roll over for future procedures, which can prove handy for costly treatment like dental implants.
Cigna Dental Insurance
Cigna is a major health insurance company with having a history of more than 225 years and having a network of over 90,000 dentists at over 286,000 locations. The insurance carrier is covering over 15 million U.S. customers. This health insurer is offering three types of individual dental plans namely, Cigna Dental 1500, Cigna Dental 1000, and Cigna Dental Preventative plan. Unfortunately, all these three dental plans do not offer coverage for dental implants but individuals having a group plan through their employer may be in a better position to have more coverage. Cigna group dental plan Cigna Dental Care® (DHMO) offers dental implant coverage but with some restrictions.