Will Medical Insurance Cover My Dental Implants

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I’ve lost quite a few teeth over the years, several not replaced, and have three dental bridges, all of which are over 30 years old. Because of this, I’ve had a hard time eating. I’d like to replace everything and get a dental implant denture. Will my medical insurance cover this because it is affecting my health?

Stephanie

Dear Stephanie,

Implant Overdentures

Dentists get this question a lot. While it is true that not having teeth affects your overall health, medical insurance almost always has a dental exclusion in their policies. This is unfortunate because while many people have health insurance, not nearly as many have dental insurance. All that being said, you need teeth. If you’re removing or lost all of your teeth, the best replacement would be dental implants. It sounds like you already know that though. What you may not know is how important they are.

Once your teeth are gone, your body senses there are no longer there. Always striving to be efficient with its resources, it will then resorb the minerals, which your jawbone no longer needs to support your teeth, in order to use them elsewhere. Unfortunately, this begins to shrink your jawbone. In as soon as ten years, you’ll start to notice it is hard to keep your dentures in. A short time after that and it will become impossible. This is known in dentistry as facial collapse. Once this happens, you won’t even have denture teeth to eat with. Talk about impacting your health!

The solution to this is having implant-supported dentures, as you’ve expressed. The dental implants signal to your brain you still have teeth. Because of that, it leaves the minerals intact, thereby protecting your jaw.

Paying for Implant Supported Dentures

While your medical insurance won’t cover the cost. There are some ways to make this easier. First, most dentists don’t make you pay for the whole procedure upfront. Instead, you’ll cover the surgical part first. Then, when you’ve had time to heal and the bone has integrated with the implants, your dentist will then do the denture and you can pay the second part.

I realize, for many people even, that can be challenging. Some dentists let you pay it out as you go. Those who don’t almost always offer Care Credit, which is a medical credit card. They’ll pay for your procedure upfront and then you pay them out. They have low-interest payment plans and you get to choose which plan you go with.

This blog is brought to you by Marietta Dentist Dr. Cristi Cheek.

Store Bought TMJ Device

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I’m in the middle of cancer treatments, which comes with thousands of dollars in medical bills. I think it’s the stress but I suspect I’ve started grinding my teeth again because my TMJ is acting up. When I first had it, the dentist made me this device. I no longer have the device but noticed the stores have something similar that’s a one size fits all. Could I just get that? I don’t have a lot of money right now and I need to deal with this jaw pain.

Harriet

Dear Harriet,

a woman holding her jaw from TMJ pain

First, let me say I’m sorry for what you’re going through. I know several people with cancer and it’s not an easy treatment plan to deal with. You’re in our thoughts. Second, I understand the cost issue. Here’s what I’m going to suggest.

If the absolute only thing you can afford is the store bought mouthguard, get that. It’s better than nothing and will at least protect your teeth from the grinding. However, because of its poor quality, you will grind through it and need to purchase them multiple times until you stop grinding.

However, TMJ devices are a tad different than just a mouth guard. While a mouth guard protects you from grinding, the TMJ device will reposition your jaw to a healthy position if it’s out of alignment. The store-bought device will not do that.

See your dentist to find out if the jaw pain is from the grinding or something to do with alignment. If it’s grinding and you want to stick with the store bought device, go ahead. If it’s alignment, you’ll need professional treatment.

There are insurance policies that will at least cover it partially. If your insurance won’t cover it, you can try Care Credit. It’s a medical credit card that allows you to get the treatment and then pay off the cost in low-interest payments. No-interest plans are also available.

Dental Care and Cancer

Most doctors will let you know this, but it is extremely important you keep up your regular dental care during your cancer treatments. Chemo and radiation play havoc on teeth. You’ll have unexpected cavities, even if you’ve never had any before if you don’t get regular treatment.

A small bit of prevention will protect you from needing dental crowns or worse.

This blog is brought to you by East Cobb Dentist Dr. Cristi Cheek.