Cosmtic dental services, What dental insurance plan covers for cosmetic dental work
I was told by my dentist that I should get implants for my missing teeth since my partials are always given me fitting problems. My partials which were covered under my dental insurance never fits right. The inside of my mouth and gums get rubbed raw and starts to hurt. My dentist told me implants may be much better for me.
My insurance will not pay for implants stating that implants are consider cosmetic services therefore not covered under my plan. My dentist told me this happens a lot with the insurance companies even though implants are not cosmetic but are just more expensive. He said that is the real reason why some insurance company will not pay for implants.
I do not know what to do. I would like Implants because I know they are way better then partials but I can not afford them on my own. Are their any dental insurance plans that you know of that will cover for cosmetic services?
Wednesday, Jun. 23rd 2010 9:47 AM at 9:47 am
Here is your problem. Many dental insurance plan do not cover for implants as they are consider comedic dental services. I am not 100% sure I agree with your dentist as to the fact that the insurance companies will not cover implants because the are too expensive.
However putting that a side since it really is a mute point. Your issue is that even if you now find a dental insurance plan that will cover for the cost of implants you may still not be covered due to any missing tooth cause they may have.
So make sure if you find a dental insurance plan that states implants are covered under their plan that you confirm in your case you would be able to use that coverage.
Wednesday, Jun. 23rd 2010 9:50 AM at 9:50 am
I think you dentist is correct in what he is saying. I do not know of a dental insurance plan that covers implant services. That is not say there is not one out there that does because who knows.
However all is not lost. At least in your case you could check out a dental discount plan. A discount plan would give you at least a 15 – 20 percent off the cost of having implants.
Which is away better then nothing at all. You also do not have to worry about any missing tooth causes because preexisting is okay. At least it is something to look into.
Good luck