Delta Dental is one of the largest dental insurance providers in the United States, covering millions of individuals and families. Many people who require dental implants often wonder if their insurance will cover the cost. In this article, we will discuss what Delta Dental pays for implants from different perspectives.
Coverage for Implant Procedures
1. Delta Dental Coverage: Delta Dental offers various dental plans, including both individual and group plans. Coverage for implant procedures can vary depending on the specific plan selected.
2. Plan Details: It is important to review the details of your Delta Dental plan to understand the coverage for implant procedures. Some plans may cover a percentage of the implant cost, while others may cover a fixed dollar amount.
3. In-Network Dentists: Delta Dental has a network of dentists who have agreed to provide services at discounted rates. If you choose an in-network dentist for your implant procedure, you may receive more coverage.
4. Preauthorization: Delta Dental may require preauthorization for implant procedures. This means that you should contact Delta Dental before the procedure to ensure coverage and estimate the out-of-pocket costs.
Coverage for Implant Components
1. Implant Post: The implant post, which replaces the root of the tooth, is typically covered by dental insurance. Delta Dental may cover a percentage or a fixed amount for the implant post.
2. Abutment: The abutment, which connects the implant post to the dental crown, may also be covered by Delta Dental. The coverage amount can vary depending on the plan.
3. Dental Crown: The dental crown, which is placed on top of the implant post, may have coverage under Delta Dental. Similar to the abutment, the coverage amount can differ among plans.
Out-of-Pocket Costs
1. Deductibles: Many Delta Dental plans have an annual deductible that needs to be met before coverage begins. The deductible amount can vary depending on the plan.
2. Coinsurance: Dental implant procedures may have a coinsurance requirement, which means that you will be responsible for a percentage of the costs. Delta Dental plans typically pay a percentage of the allowed amount, and the remaining balance is the coinsurance.
3. Maximum Benefit: Delta Dental plans often have a maximum benefit amount, which is the highest amount they will pay for dental procedures in a given year. Implant procedures may count towards this maximum benefit.
Delta Dental Regions and Coverage
1. Delta Dental companies operate in different regions, such as Delta Dental of California, Delta Dental of New York, and Delta Dental of Florida. Each region may have variations in coverage and reimbursement rates.
2. Regional Fee Schedules: Delta Dental assigns fee schedules for dental procedures based on the region. The fee schedule determines the amount Delta Dental will pay for each procedure, including implant treatments.
3. Reimbursement Rates: The reimbursement rates for implant procedures can vary across different regions. It is essential to check with your specific Delta Dental region for the most accurate information about coverage and reimbursement.
Frequently Asked Questions
Q: Does Delta Dental cover implant surgery?
A: Delta Dental plans may cover dental implant surgery, but coverage can vary depending on the plan and region. It is recommended to review your specific plan details for accurate information.
Q: Are there any waiting periods for implant coverage?
A: Waiting periods for implant coverage vary among Delta Dental plans. Some plans may have waiting periods before coverage is available for implant procedures. Review your plan details for more information.
Q: Can I choose any dentist for my implants?
A: Delta Dental has a network of dentists, and coverage can vary depending on whether you choose an in-network or out-of-network dentist. It is recommended to check with Delta Dental for coverage details.
References:
1. Delta Dental. "Implant Coverage." Delta Dental. Accessed November 20, 2021.
2. Delta Dental Plans Association. "Your Dental Benefits: A Complete Resource." Delta Dental. Accessed November 20, 2021.
