Because dental implants are becoming the standard of care for tooth replacement – more and more dental insurance companies are beginning to cover the procedure. Even if your insurance plan didn’t reimburse for implant treatments in the past, it may be different this year or next.
About Dental Insurance
Modern Dental Insurance as we know it took effect in the 1960-70s. Before this, dentistry was usually only available to the wealthy or in an emergency situation. Now, preventative care has become so widespread that most of us see our dentist on a routine basis for non-emergency preventative and maintenance care.
Oddly enough, the amount of dental coverage benefits has not increased since the 1970’s. The usual maximum coverage amount by Dental Insurance companies exhausts itself at around $1,500, the same amount it was over 30 years ago. Inflation alone would suggest that this amount should be closer to $10,000. Because of the cost of living increasing over time insurance it is not what it used to be. Relying on dental insurance to cover all your dental needs not only creates more health risks and complications down the line but also an increase financial burden.
Many types of dental insurance plans include waiting periods, pre approvals, or only a set percentage of reimbursement for specific types of procedures. Although you may find yourself getting frustrated with your dentist or your insurance company, it’s actually all dependent on the type of plan that you or your employer negotiated through the HR department when creating your benefit plan. If for any reason you feel that your plan does not cover a procedure that you think it should, the best approach is to discuss those concerns with your employer’s HR department.
When it Comes to Your Health It is Your Decision NOT the Insurance Company’s
While Dental Insurance may not cover all of or certain types of procedures, this should never determine what type of treatment that you receive. It is your dentist’s responsibility, as a healthcare professional, to recommend the best treatment for your own individual dental needs. While you will be presented with options as to what treatment you receive, it should be your decision what type of dental therapies that you have completed, not your Dental Insurance. By allowing dental coverage to determine what type of services you receive, you may be restricting yourself from receiving optimum care. Ask Dr. Michael Negru what your treatment options are, and why each one would be recommended over the others.
If quality and affordable dentistry is your objective you have found the perfect office!