How to Get Dental Implants Covered by Medical Insurance – Dental implants have become the go-to solution for missing or damaged teeth, due to their long lifespan and natural aesthetic.
Unfortunately, the cost can often be prohibitive; so it can be an obstacle for many individuals – you might be asking: “Can my medical insurance cover dental implants?” In this blog we’ll look into ways dental implants may be covered under medical coverage.
How to Get Dental Implants Covered by Medical Insurance – Details
Dental implants are titanium posts surgically implanted into the jawbone to act as artificial roots for replacement teeth and bridges.
While usually covered by medical insurance policies, their coverage could sometimes play an influencer role.
Why Medical Insurance Over Dental Insurance?
Dental procedures typically fall under dental insurance policies; however, in certain instances involving medical issues or accidents that necessitate dental implants, your health insurance may cover these expenses instead.
Circumstances that Favor Medical Insurance Coverage
Understanding which situations medical insurance might cover dental implants will increase your odds of getting coverage. Some of these scenarios include:
Accidents: If the need for dental implants arises due to an incident such as a car crash or fall and not from dental disease or decay, medical insurance may cover their expense.
Medical Conditions: Certain birth defects that result in missing teeth could make this procedure medically necessary and prompt health insurance providers to cover it as an expense.
Surgery Necessities: In cases in which both dental and medical surgeons need to collaborate on treating certain forms of cancer or tumors, medical insurance might cover part or all of an implant procedure.
Steps to Secure Coverage for Dental Implants
Navigating the insurance landscape can be intimidating. Here’s a way to increase your odds of finding coverage:
Consult Your Dentist and Physician: Beginning by discussing your situation and need for implants with both your dentist and physician. They can advise whether this procedure falls under medical necessity.
Detailed Documentation: Documentation is key in order to explain why dental implants are necessary, including photos, X-rays and written explanations from healthcare professionals.
Pre-authorization: Before beginning any procedure, obtain pre-authorization from your insurance provider to ensure they agree in principle to cover it.
Appeal if Necessary
Even when you believe you have a valid claim, an insurance company might initially deny it. Don’t give up; don’t become disheartened! Appeal their decision using healthcare provider guidance as guidance in building an impressive case.
Overall, dental insurance typically covers dental implants; however, medical coverage might also apply in certain instances. By understanding your situation and being familiar with how the system works, the odds of your medical insurance paying for dental implants increase drastically.