Dental Insurance That Covers Implants: Comprehensive Guide to Coverage and Options

by | Jun 18, 2024 | Dental Implants

Dental patient

Dental health is a crucial component of overall well-being, and dental implants have become a popular solution for those seeking to replace missing teeth. However, the cost of dental implants can be a significant barrier for many people. This is where dental insurance that covers implants can play a vital role. This blog will explore personal and government insurance options for dental implant coverage, selecting the right insurance, and various payment options available. We’ll also delve into specific payment plans offered by Boutique Dental Care, such as DentiCare, AfterPay, Humm, and SuperCare.

Understanding Dental Insurance That Covers Implants

Dental Insurance That Covers Implants materialsDental implants are a long-term solution for replacing missing teeth. They involve surgically placing a titanium post into the jawbone, which acts as a root for the replacement tooth. This highly effective procedure offers a permanent solution compared to other dental treatments like bridges or dentures.

Dental insurance is essential for managing dental care’s high costs, particularly dental implant procedures. Dental insurance that covers implants can significantly reduce out-of-pocket expenses, making these treatments more accessible.

Types of Dental Insurance Coverage

Understanding the different types of dental insurance coverage available can help you make an informed decision about managing the costs associated with dental implant treatments. Let’s explore personal and government insurance options that can cover dental implants.

Personal Insurance

Personal or private health insurance can offer substantial benefits for dental implant procedures. Many private health insurance policies include major dental cover, which can help offset the cost of dental implants. Here’s a closer look at what private health insurance can offer:

  • Major Dental Procedures Coverage: Most comprehensive plans will cover a portion of the cost of major dental procedures, including dental implants.
  • Waiting Periods: Many private health insurance plans have waiting periods before you can claim for major dental treatments. It’s essential to check these details with your health insurance provider.
  • Annual Limits: Private health insurance policies often have annual limits on the amount you can claim for dental treatments. Ensure you understand these limits to plan your treatment schedule accordingly.

Government Insurance

In Australia, public health insurance through Medicare typically does not cover dental implants. However, there are exceptions and additional schemes that can provide support:

Some states and territories offer public dental services that might include limited coverage for dental implants, especially in cases of severe dental health issues.

Choosing the Right Dental Insurance

Selecting the right dental insurance is crucial to ensure you receive coverage for dental implant procedures. Here are some key factors to consider when choosing a dental insurance plan.

Assess Your Needs

Understanding your dental health needs is the first step in choosing the right insurance. If you anticipate needing dental implants, look for policies covering major dental procedures.

Compare Health Insurance Companies

Dental Insurance That Covers Implants amountNot all health insurance companies offer the same level of coverage. Compare different providers to see which offers the best dental insurance covers implants. Pay attention to:

  • Coverage Details: Ensure that the policy explicitly mentions coverage for dental implants.
  • Costs and Premiums: Compare the costs, including premiums, deductibles, and co-payments.
  • Customer Reviews: Look at reviews and ratings to gauge the reliability and customer satisfaction of the insurance provider.

Starting Cost of Dental Implants

Understanding the cost of dental implants is crucial. On average, dental implant costs in Australia can range from $3,000 per tooth. These costs can vary based on the complexity of the dental implant procedure and the materials used.

Payment Options for Dental Implant Treatments

Various payment options are available to help make dental implant treatments more affordable. Explore the different payment plans and financing options that can ease the financial burden of dental implants.

Payment Plans

Boutique Dental Care offers several payment plans to make dental implant treatments more affordable:

  • DentiCare: A flexible payment plan that allows you to spread the cost of your dental treatment over time without interest.
  • AfterPay: A popular option that lets you pay for your dental treatments in four equal instalments, interest-free.
  • Humm: Another flexible payment solution that offers both short-term and long-term payment plans, allowing you to choose the best option for your financial situation.
  • SuperCare: This service enables you to access your superannuation funds to pay for dental implants and other major dental procedures, making it easier to afford the necessary treatments.

Other Financing Options

In addition to the payment plans offered by Boutique Dental Care, you might consider other financing options:

  • Personal Loans: Some patients opt for personal loans to cover the cost of dental implants. This option can be viable if you have a good credit score and can secure a low-interest rate.
  • Credit Cards: While using credit cards can be convenient, be mindful of high interest rates. It’s essential to plan your repayments to avoid accumulating debt.

The Dental Implant Procedure: Step-by-Step

Undergoing a dental implant procedure can significantly improve your oral health and restore missing teeth. It’s important to understand the detailed process involved in this major dental procedure. Here’s an expanded step-by-step guide to what you can expect during a dental implant treatment:

Initial Consultation and Assessment

Dental Insurance That Covers Implants discussionThe first step in the dental implant procedure is an initial consultation with your dentist. During this appointment, your dentist will:

Evaluate Your Oral Health: A comprehensive oral examination will assess your overall dental health and determine if you’re a suitable candidate for dental implants. This includes checking the condition of your gums, the quality of your jawbone, and the presence of any dental issues that need to be addressed before the implant procedure.

Diagnostic Imaging: X-rays and 3D imaging (such as a CT scan) will be taken to get a detailed view of your jawbone structure and to plan the precise placement of the dental implants.

Medical History Review: Your dentist will review your medical history, including any medications you’re taking and any health conditions that could affect the success of the implant surgery.

Discussion of Expectations: You’ll discuss your expectations, treatment goals, and concerns. This is also an opportunity for your dentist to explain the dental implant procedure in detail and answer any questions.

Treatment Planning

Once the initial assessment is complete, your dentist will create a customised treatment plan tailored to your needs. This plan will outline:

Number of Implants Needed: The plan will specify how many dental implants are required to replace missing teeth. Sometimes, a single implant may suffice, while multiple implants may be necessary in others.

Implant Placement Strategy: The exact placement of each implant will be determined based on the diagnostic imaging results. This ensures that the implants are positioned for optimal stability and function.

Timeline and Phases: The treatment plan will detail the timeline for each phase of the dental implant procedure, including any necessary preparatory treatments (such as bone grafting) and the expected healing periods.

Preparatory Procedures

In some cases, preparatory procedures may be necessary to ensure the success of the dental implants. These can include:

Tooth Extraction: If you have damaged or decayed teeth that need to be replaced with implants, these teeth may need to be extracted first.

Bone Grafting: A bone graft may be required if your jawbone lacks sufficient density to support the implants. This involves transplanting bone material to the implant site to create a stable foundation.

Sinus Lift: For implants in the upper jaw, a sinus lift may be performed to increase the amount of bone available in the sinus area.

Implant Placement Surgery

The core phase of the dental implant procedure involves the surgical placement of the implants:

Anaesthesia: Local anaesthesia or sedation will be administered to ensure your comfort during the procedure.

Incision: A small incision is made in the gum tissue to expose the jawbone.

Drilling: A drill creates a hole in the jawbone where the implant will be placed.

Implant Placement: The titanium implant post is carefully inserted into the prepared hole. The implant acts as an artificial root for the replacement tooth.

Stitching: The gum tissue is sutured closed over the implant, and a healing cap may be placed to protect it during the healing process.

Osseointegration and Healing

Following the implant placement, a critical healing period known as osseointegration occurs:

Bone Integration: The jawbone will naturally integrate with the titanium implant over several months through osseointegration. This creates a strong, stable foundation for the replacement tooth.

Follow-Up Visits: Regular follow-up visits with your dentist are essential to monitor the healing process and ensure that the implant integrates properly with the bone.



Abutment Placement

Once osseointegration is finalised, the next step involves placing an abutment:

Exposure of Implant: The gum tissue is reopened to expose the top of the implant.

Abutment Attachment: A small connector called an abutment is attached to the implant. This abutment will hold the replacement tooth (crown) in place.

Healing Cap: Sometimes, a healing cap is placed over the abutment to allow the gum tissue to heal around it.

Crown Placement Process

The placement of the crown marks the concluding phase of the dental implant procedure:

Impression Taking: Impressions of your teeth and abutments are made to curate a crown that closely matches the natural teeth in shape, size, and colour.

Crown Fabrication: The crown is meticulously curated in a dental lab based on these impressions.

Crown Placement: When the crown is finalised, it is firmly affixed to the abutment, finalising the implant treatment. This provides a replacement tooth that looks natural and functions effectively.

Care and Upkeep After Dental Implant Surgery

Following your dental implant surgery, it’s vital to maintain excellent oral health to prolong the life of your implants:

  • Oral Hygiene: Maintain optimal oral hygiene by brushing your teeth twice daily, flossing regularly, and using an antimicrobial mouth rinse.
  • Routine Dental Appointments: Visit your dentist regularly to ensure your implants and overall dental health are in good condition.
  • Healthy Habits: Refrain from smoking and reduce your intake of sugary foods and beverages to avoid complications and promote the enduring success of your implants.

Dental implant surgery offers a thorough and reliable method for replacing missing teeth. Although it requires several steps and significant investment, the transformative results can greatly enhance your quality of life. Obtaining a vibrant, confident smile is achievable with appropriate dental insurance coverage for implants and available payment plans.

Maintaining Oral Health Post-Implant

After dental implant surgery, maintaining excellent oral health is crucial for the long-term success of your implants and overall dental well-being. Dental implants need the same level of care as your natural teeth if not more, to ensure they remain functional and aesthetically pleasing. Here’s an expanded guide on how to maintain oral health post-implant:

Long-Term Oral Care Strategies

It’s crucial to adhere to a strict oral care regimen to ensure the durability of your dental implants. Implement the following key practices daily:

Brush Frequently: Brush your teeth with a soft-bristled toothbrush and non-abrasive toothpaste co. Focus on thoroughly cleaning around the implant area to eliminate plaque accumulation.

Floss Regularly: Daily flossing is essential to remove food particles and plaque between teeth and the implants. Opt for floss suitable for dental implants, or use an interdental brush to clean difficult-to-reach spots.

Utilise Antimicrobial Mouthwash: Adding an antimicrobial mouthwash to your regimen can help decrease the bacterial load in your mouth, thus reducing the risk of infections at the implant site.

Consistent Dental Visits: Keep up with regular dental appointments to have your implants and overall oral health evaluated. These visits allow for professional cleaning and the early detection of potential issues.

Professional Dental Cleanings: Ensure that you get your teeth professionally cleaned by a dental hygienist regularly to address plaque and tartar that regular brushing and flossing might not remove.


Dental Insurance That Covers dental ImplantsSecuring dental insurance that covers implants is essential in making dental implant treatments more accessible and affordable. Whether you opt for personal insurance, government schemes, or flexible payment plans, understanding your options can help you make an informed decision. The price of dental implants can be significant, but with the right insurance and payment plans, achieving a healthy, complete smile is within reach.

If you’re considering dental implants and need guidance on insurance and payment options, contact Boutique Dental Care, Chatswood NSW 2067, at (02) 9054 5281. Our team is here to help you navigate the process and ensure you receive the best possible care. Don’t let the cost of dental implants hold you back from achieving optimal oral health and a confident smile. Call us today to learn how we can assist you in your dental journey.

Note: Any surgical or invasive procedure carries risks. Before proceeding, you should seek a second opinion from an appropriately qualified health practitioner.