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If your dental insurance offers coverage for dental implants, it may come with the stipulation that you have to have the policy for a set period of time before it will cover this procedure. Additionally, you may have to be free of pre-existing conditions in order for them to pay for the cost of the implants. You need to be very familiar with your current insurance policy before you agree to have dental implant surgery. You do not want to be halfway through the procedure thinking that your insurance will cover it when in all reality, they will not.

Also, dental implants are usually considered cosmetic surgery unless there are extenuating circumstances requiring the procedure. The sad reality of this is that it has been proven that implants are better for your overall health, but the insurance agencies regulating your policy do not see it that way. They prefer that you go with the less expensive solution, even if you've broken or knocked out a tooth that could not be saved.

You can purchase dental implant insurance from a private carrier if you need to, but be aware that the premium could be expensive and that the insurance may only pay for a portion of the procedure. The premiums could be based on a fixed rate per treatment or a percentage of the overall procedure, leaving you with the difference to pay. Always check with your current dental insurance provider to see if they offer this type of coverage. If they do, take it. It will be well worth the money in the event that you need to have a dental implant procedure.