One of the most common questions regarding implants is: “Are implants covered by insurance?”
Dental implants Perth are generally not covered by insurance because of the high costs. However, you may still be able to get implants depending on your medical coverage. You may find that most insurance companies will only pay for a fraction of the cost of the treatment. Some may also come with specific conditions.
Insurance providers in Australia will tell you how many implants you are allowed to have in a year or so.
How to check what your insurance covers?
Australian insurance companies, such as HBF, HCF, BUPA and Medibank usually cover dental implants under the category of ‘major dental’.
Major dental is typically covered under the policies of higher extras cover which generally covers surgery and emergency treatment. Major dental typically includes complex and expensive procedures like braces, crowns, wisdom teeth removal, bridges and root canals. You can also receive cover for orthodontic and endodontic works. Families and elderly people generally opt for major dental cover.
The Cost of Dental Implants
Dental implant installation requires surgery. The cost also extends to the components such as the screw-like titanium material. Specialists insert titanium into the jawbone as well as the false teeth. The price of dental implants depends on the type you need:
- Single Tooth Dental Implant – $3,999
- Single implants (unrestored) – starting from $1,999
- Single implants (Crown & Abutment) – starting from $1,999
- Implant retained dentures – starting from $4,900
- All-On-4 implant bridge – prices start at $16,000 per jaw
Why Most Insurance Companies Won’t Pay For Dental Implants
Insurance companies are still businesses. In the end, even if a procedure is still saving lives, it will cost the company a lot of money if people are to get dental insurance. Dental health is one of the most taken for granted, and it is more likely for people to need dental treatment than other major health issues. Insurance companies will be forking over hundreds of thousands if they allow policyholders to get coverages.
It is also why insurance companies would tell you that implants are “experimental” and for “cosmetic purposes only.” The following are not grounds related to health, so they are often not included in the coverage.
The Silver Lining in Dental Health
You’d be happy to know that not all insurance companies will deny financial assistance to those who need it. Medicare and The Department of Veteran’s Affairs will offer partial payments for dental implants under specific conditions.
HIF Dental Insurance, in partnership with the Australian Dental Association of Western Australia, features the SmartTeeth program that will help fund various dental services. And because it is working with an authority on dental health in Australia, you can choose whichever practicing dentist to go to.
Medibank offers different medical coverages including general dental, major dental, and orthodontics. They offer Healthy Start Extras for beginners, Essential Extras for general health, Growing Family Extras Only which is a collection of services for families including pregnancy, and Top Extras that includes various high-end services.
Members Own Health Funds provide for Hospital, Extras, General and Major Dental coverages. They also have the Child Dental Benefits Schedule that entitles children up to $1,000 in the span of two consecutive years.
HBF provides a year of preventative, restorative, orthodontics and major and dental implants coverage under its health insurance area.
Lending solutions allow people to take out loans in various payment schemes such as SuperCare, AfterPay, and Pretty Penny. These companies recognize the long-lasting benefits of dental implants, so they will release an amount that you can afford to pay back.
Are Dental Really Implants Expensive?
If you are to look at the return of investment on dental implants, you may come to realize that the pricing is as they should be. Dental implants are high-grade materials that will last even up to 30 years when properly maintained. More importantly, the health benefits are undeniable, as they could save your bone health that could otherwise deteriorate if left alone instead.