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Suite 3, 10 Mindarie Dr

ELLENBROOK

56 Mornington Pkwy

SOUTH PERTH

65B Angelo St.

BELMONT

171 Belmont Ave

MOOROOKA

132 Beaudesert Rd

 

Mindarie

08 9305 9990

 

Ellenbrook

08 9296 9970

 

South Perth

08 9361 5544

 

Belmont

08 9277 3837

 

Moorooka Brisbane

07 3848 3193

Does Insurance Cover The Cost Of Dental Implants?

implant dentist perth

One of the most common questions regarding implants is: “Are implants covered by insurance?”

dental treatments perth are generally not covered by insurance in Australia. However, you may still be able to get some assistance for dental 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.

Your private health insurance provider will be able to tell you exactly how many implants you are allowed to have in a year or so.

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 coverage 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 $6,000
  • All-On-4 implant bridge – prices start at $19,000 per jaw

Dental Insurance That Covers Implants

You may have to do some extra digging if you’re looking for dental insurance that covers implants. Some dental insurers consider implants to be a cosmetic procedure, and may not cover them. However, there are a few insurers out there that do provide coverage for implants.

It’s important to remember that even if your dental insurer covers implants, there may be caveats. For example, they may only cover a certain percentage of the overall cost. Or, they may only cover implants if they’re being used to replace a tooth lost due to an accident or injury.

Before you sign up for any dental insurance plan, be sure to read the fine print carefully. That way, you’ll know exactly what’s covered and what isn’t..

Does HCF Cover Dental Implants?

Most people are not aware that HCF actually covers dental implants in their Extras cover. This is a great way to get the smile you’ve always wanted, without having to worry about the cost.

However, there are a few things to keep in mind with HCF coverage. First, you’ll need to have been with HCF for at least 12 months in order to be eligible. Secondly, HCF will only cover a certain percentage of the overall cost – usually between 50-75%.

But if you’re looking for dental insurance that covers implants, HCF is definitely worth considering.

Does BUPA Cover Dental Implants?

Bupa is another good option when it comes to dental insurance that covers implants. Like HCF, Bupa will cover a certain percentage of the cost (usually between 50-75%), and you’ll need to have been with them for at least 12 months to be eligible.

One thing to keep in mind with Bupa is that they may require you to get pre-approval before they will cover the cost of your implants. So be sure to check with them before you proceed with the procedure.

Does Medibank Cover Dental Implants?

Medibank is yet another option for dental insurance that covers implants. They have a few different levels of cover, so you’ll need to choose the one that’s right for you.

Like the other insurers, Medibank will only cover a certain percentage of the overall cost. But they also have a lifetime limit on their cover, so be sure to check with them to see how much they will actually cover.

If you’re looking for dental insurance that covers implants, these are three good options to consider. Be sure to read the fine print carefully before you sign up for any plan, so you know exactly what’s covered.

Why Most Insurance Companies Won’t Pay For Dental Implants

Insurance company 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 Veterans 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 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 include 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 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 it 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.