Dental insurance – what’s covered and what’s not
- Do you have missing teeth but don’t have the savings to pay for them?
- Don’t want to explore 0% dental finance options?
- Have health insurance already and are wondering if you’re covered?
If the above sounds right, keep reading to discover if insurance for dental implants even exists…
Basic plans
✅ Dental check-ups and preventive dentistry
✅ Portion of the cost for dental treatments
✅ Accident cover, emergencies and injuries
✅ Restorative care, including crowns, bridges and dentures (Denplan)
✅ Routine x-rays
❌ Cosmetic treatments
❌ Orthodontic treatments
❌ Surgical implants
❌ Any treatment not deemed clinically necessary (AXA)
The fine print
Some insurance companies, such as Bupa, offer a 20% discount on dental treatments, including bridges and dentures.
However, Bupa also states that treatments provided by a specialist dentist registered with the GDC or a dentist with a special interest who only provides this service are not eligible for discounts.
Finding insurance that covers dental implants
Although most healthcare plans don’t cover the cost of implants, certain dental savings plans can make the process more affordable.
Certain providers and plans may not cover dental implants because they are not deemed clinically necessary; however, certain packages and upgrades can help spread the cost.
Add-ons and upgrades
- AXA Premium: 50% towards the cost of private treatment, which can be claimed after three months of membership. AXA will pay a maximum of £500 per patient a year towards the cost of implants.
- Denplan Supplementary Insurance: If you’re a Denplan member with Supplementary Insurance, you can apply for Denplan Implant Upgrade Cover. Patients can be covered up to a maximum of £20,000 per incident and £2,100 per implant fixture (following an injury only).
The cost of dental implants
Can’t afford implants? More ways to pay!
If you’re sold on dental implants as your missing tooth replacement and don’t think dental insurance will be an option for you, there are two additional ways to pay we offer here at our implant clinic in London.
- We offer 0% finance over 12 months. If you wish to increase your monthly payments, you can extend your finances over 60 months, at an interest rate of 14.9%.
- Part-paying is another option to reduce the cost of your monthly payments and avoid interest. For example, patients can pay 50% of their treatment upfront and finance the remaining 50% over 12 months with interest-free financing.
Dental finance example:
Cost of implant: £2,950
Term: 12 months (0%)
Monthly instalment: £245.83 pm
Term: 24 months (14.9%)
Monthly instalment: £141.59 pm
Term: 36 months (14.9%)
Monthly instalment: £100.78 pm
Term: 48 months (14.9%)
Monthly instalment: £80.56 pm
Term: 60 months (14.9%)
Monthly instalment: £68.59 pm
Affordable dental finance on all treatments over £995.00
