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What to consider when buying dental implant insurance

Dental Shop Staff Writer | February 18, 2015

What are dental implants?

 

Despite improvements in technology and dental care, millions of Americans suffer from tooth loss every year - and most of it is from a few major factors: gingivitis (Gum Disease), tooth decay, or injury. For a long time the only option available to people who were missing teeth was to get dentures and bridges. But now we have dental implants available. Dental implants are a replacement for tooth roots. They provide a foundation for removable or fixed replacement teeth that are made to match your natural teeth.

 

Why should I get dental implants?

 

Dental Implants have MANY advantages, some of the more important ones are:

 

  • Better speech. Sometimes when people wear poor-fitting dentures their teeth tend to slip which can cause you to slur or mumble your words. Dental implants allow you to speak without having to worry.
  • Improved look. Dental Implants look and feel like your own teeth, and because they are designed to fuse with bone, they are permanant.
  • Better comfort. Because they become fused to you, implants eliminate the discomfort dentures can give you
  • Improved self-esteem. Dental implants can make you feel better about yourself by giving you back your smile
  • Easier eating. Because dentures slide it can make chewing difficult. Because dental implants are fused to you, they function like your own teeth which allows you to eat your favorite foods without having to worry about things sliding out of place or being painful

 

Okay I want to buy, what's next?

 

So now you have decided that you want dental implants, your probably wondering where to go from here. There are a few different things you need to consider but the most important one is WHERE you want to get your dental implant work done. Other things to consider would be the ammount of coverage you are looking for, the deductible on the plan, and any limitations or exclusions.

 

I have a specific dentist I want to see

 

If you have a specific dentist you want to continue to see that is perfectly fine. You have two different options. The first option is to go to Spirit Dental find a dentist to see if your dentist is in their network. If he is, great! Then your best option is to purchase a Spirit Dental PPO plan (either gold or silver). This plan will get you these benefits:

  • 25% coverage on your dental implants IMMEDIATELY
  • No waiting 12 - 18 months like other insurance plans
  • Coverage within 5 days of applying
  • Your choice of coverage - up to $1,200, $2,500, or $3,500 worth of coverage!

 

Dentist not in the Spirit network? That's okay! Then the best option for you is to purchase a Spirit Dental indemnity plan. (Silver option only) Not sure what an indemnity plan is? The Dental Insurance Shop has put out a blog article highlighting the difference between a PPO and indemnity dental plan. If you do purchase the Spirit Dental silver indemnity plan option you will have these benefits:

  • 25% coverage on your dental implants IMMEDIATELY
  • No waiting 12 - 18 months like other insurance plans
  • Coverage within 5 days of applying
  • Your choice of coverage - up to $1,200, $2,500, or $3,500 worth of coverage!

 

I dont have a specific dentist I want to see

If you do not have a specific dentist you want to see then the best option is to purchase a Spirit Dental PPO plan(either gold or silver) in order to keep your monthly costs lower then if you were to purchase an indemnity plan for the same amount of coverage. Once you have enrolled in a plan you can visit Spirit Dental find a dentist to find a network provider near you to do your dental implants. If you enroll in either the Spirit Gold PPO or Spirit Silver PPO you will get these plan benefits:

  • 25% coverage on your dental implants IMMEDIATELY
  • No waiting 12 - 18 months like other insurance plans
  • Coverage within 5 days of applying
  • Your choice of coverage - up to $1,200, $2,500, or $3,500 worth of coverage!

 

Click here to get a quote on Spirit Dental PPO or Indemnity plans