Does Dental Insurance Cover Dental Implant Supported Dentures?

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Does my dental insurance cover implant supported anchored dentures — or dental implants and dentures in general?” This is a common question we get here at Renew Anchored Dentures.

General Overview of Dental Insurance and Dental Implants

insurance coverage of dental implantMost insurance companies do not cover dental implant related procedures. The same is generally true with Medicare and Medicaid. Part of our mission at Renew Anchored Dentures is to provide you with an affordable new smile. The first step in that journey is to gather as much information as possible about your financing options by coming in for a free, no-obligation consultation. Besides getting great information — including a 3D CAT Scan and an opinion on your candidacy and treatment options — you’ll walk away armed with practical information on costs and financing options.

Because of the nature of our treatment, Renew Anchored Dentures does not contract with insurance companies. This benefits our patients because we have greater flexibility in our pricing, which is based on unique clinical situations.

Despite the growing number of people needing full-mouth restorations for dental and medical reasons, most insurance companies still do not cover what they consider to be “cosmetic” (or elective) procedures. From an insurance standpoint, it is important to understand the the differences between elective and restorative dental procedures. An elective procedure involves dental work that is not necessary for medical reasons. This includes dental implants, veneers, and teeth whitening. As such, Renew’s dental procedure falls into this category.

On the opposite side, most insurance companies view “restorative procedures” as necessary for medical reasons. Examples include repairing a tooth broken by an injury, or extracting a diseased tooth.

It’s not out of the realm for “elective” procedures to have a medically-necessary component, so it’s always best to contact your insurance company directly to find out. Call the customer service number listed on your dental insurance card and a representative should be able to give you a definitive answer based on your specific coverage.

However, categorization of our services as “elective” or “cosmetic” can be misleading because we view a person’s teeth as the entry point to healthy eating and overall physiological well-being. Renew performs a dental implant-supported full-mouth restoration procedure, sometimes referred to as the restoration or rebuilding of all teeth in the upper and lower jaws. As mentioned above, procedures involving dental implants are not generally covered by most insurance companies. Full-mouth reconstruction treatment may be suitable to completely edentulous patients (missing all teeth and currently wearing traditional dentures) as well as for patients who have many missing or failing teeth, in need of multiple problems being fixed at one time.

It should also be noted that Renew does not accept Medicare or Medicaid. In fact, Medicare often does not even cover routine dental care, such as oral exams, cleanings, fillings, bridges, or crowns. (More on this later.)

All of this may sound discouraging, right? But, did you know that you might be able to deduct portions of your treatment on your federal tax return? According to the IRS, patients can deduct these types of  treatment as medical expenses on their returns if they itemize deductions. However, they can actually only deduct the amount that is greater than 7.5% of their adjusted gross income for 2018. In 2019, they can only deduct these expenses if they are greater than 10% of adjusted gross income.

Because there are several different dental insurance companies, we suggest directing specific questions to your specific provider.

Medicare and Medicaid Coverage

Another common question that we hear on a daily basis is “Do Medicare or Medicaid cover Renew’s anchored denture procedure?

Medicare, by way of definition, is a federal program that provides health coverage for people 65 and older or have a severe disability, no matter their income level. Medicaid, on the other hand, is a state and federal program that provides health coverage for people with very low incomes.

Renew does not accept Medicare or Medicaid. In fact, Original Medicare often does not even cover routine dental care, such as oral exams, cleanings, fillings, bridges, or crowns which means you are generally responsible for the full cost of your dental care unless you have other dental insurance. You may be able to get dental coverage under some Medicare Advantage plans. Medicare Advantage plans (Medicare Part C) can include extra benefits like routine dental, routine vision, and Medicare prescription drug coverage. Many seniors choose Advantage over traditional Medicare because the former covers dental, hearing, and vision — services original Medicare does not pay for.

Summary

Part of our mission at Renew Anchored Dentures is to provide you with an affordable new smile. The first step in that journey is to gather as much information as possible about your financing options by coming in for a free, no-obligation consultation. Besides getting great information — including a 3D CAT Scan and an opinion on your candidacy and treatment options — you’ll walk away armed with practical information on costs and financing options.

In sum, Renew wants to be your advocate to understanding the dental insurance system. Toward that end, we recommend that you come in for a free consultation to learn more.


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