This is a question most often asked by patients. Dental insurance usually does not pay for dental implants as they are typically classified as a cosmetic procedure and therefore are not covered. However, some insurance providers may help pay for other procedures involved in dental implantantion – tooth extraction, bone grafting, the implant itself, the abutment, and the crown/bridge or dentures. Check with your insurer what portion of the cost, if any, they are able to cover. Even if a fraction of the cost is covered, it may help you in the long run. Every penny counts!
Talk about your options with your dentist. Let them know the dental implants are not affordable to you at this point. Did you know that you can also opt for a payment plan? Speak to your dentist about other financing options they may offer. This way you do not have to deal with the insurance company at all. Your dental clinic might have all the solutions ready for you.
Also, you need to know that dental professionals usually sell their services in bundles – for example, the various X-rays which you have done during the whole course of treatment are typically bundled with a specific procedure (e.g. bone grafting) and are not charged separately. Ask for separate bills – you might be able to get reimbursement for specific procedures.
Last but not least, you can ask your dentist for a temporary solution for your tooth loss until you can afford the full dental implant procedure. They might be able to offer you some temporary tooth replacement.