Dental insurance policies cover some basic oral health needs, such as filling a cavity, as well as routine care of check-ups and cleanings. However, it’s important to remember that insurance companies are in the business to make a profit. It is up to you to ensure your needs are being proactively met for your long-term oral health. Because insurance companies seek to cover ‘basic’ needs with the least expense to them, Dental Implants are often not covered by many group insurance policies.
Dental Implants are an upfront expense, meaning the total cost occurs at the time of treatment. For example, the treatment fee for those who select Dental Implants is higher than those who opt for a three unit crown & bridge. However, Dental Implants are designed to last your lifetime. Therefore, future expenses are not incurred.
Insurance companies realize the probability that you will change insurances in time. By providing coverage for only the crown-&-bridge, they are hoping they won’t be covering you for future needs that may include a broken bridge, root canals and replacement crowns. And, if you are on their plan when these incidences occur, there is a limit to what they’ll cover in any given year, regardless.
The fact that Dental implants are not covered by many policies has nothing to do with their effectiveness. It has more to do with what gives these companies (not you) the best deal. When health care decisions are made based upon what is in your long-term best interest rather than the bottom-line of an insurance company, your oral well-being will serve you well through an overall healthier you!