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Are Dental Implants Covered by Insurance in Canada?

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When it comes to a lost tooth, there are options available to help: dental implants. These serve as artificial teeth that operate just like your natural teeth. However, there’s a common question associated with having a dental implant installed: Are dental implants covered by insurance in Canada?

There isn’t one simple answer to this question. Whether implants are covered by your insurance is greatly determined by the plan you have and the specific coverage it offers depending on your insurer’s policy. Generally, though, implants—or at least some of their cost—are covered to some extent. It’s important to read through your policy or contact your insurer to clarify your situation and find out whether they’ll cover the cost of an implant.

Due to the factors that are involved when it comes to dental insurance, you should discuss your options with your dentist before making a final decision relating to your oral health.

What Are Dental Implants?

Simply put, dental implants are artificial teeth designed to replace a lost or missing tooth, with several steps involved with the installation process. An artificial tooth root is installed in your jaw just under the gum line to serve as a strong anchor point for a tooth to be placed on top. This artificial root eventually fuses with the bone to act as a base for a crown or bridge later on. 

These implants are a long-term solution to a missing tooth that can last for many years if cared for and maintained properly. However, the surgery is a complex procedure that requires you to have healthy gums and bone density before beginning. In some specific situations, a dentist may need to perform other preparatory procedures before the implant is installed so they can ensure that things go smoothly.

Dental implants offer all kinds of benefits, though. They’re strong and long-lasting, and look and feel just like your natural teeth. They can offer improved appearance by replacing a missing or damaged tooth and can help prevent further dental diseases or conditions from developing. This makes them a popular choice for replacing a missing tooth!

Does Insurance Cover Dental Implants?

Unfortunately, there is no one-size-fits-all answer to this question. The extent of your coverage greatly depends on your specific plan or policy and the details included. In general, many plans do cover some or all of the cost of dental implants, but there are often restrictions involved. The Canadian Government typically doesn’t provide dental insurance—instead, it’s often offered by private insurance or through employee benefit packages.

It’s important to look into your policy to determine what’s covered and how much of the cost will be taken care of. Oftentimes, a package will offer coverage for cleanings, X-rays, and fillings, but has certain limitations when it comes to more advanced procedures like implant installation.

There are some factors that are taken into consideration to determine whether or not a policy will cover the implant, like:

  • The reason for the implant, and whether it’s a cosmetic or medical need
  • What type of implant will be installed 
  • The patient’s medical history

For example, insurance plans may cover an implant that’s necessary due to injury or disease, but not if it’s simply for cosmetic purposes. They may also take into consideration the location of the dentist’s office and who will be performing the procedure. Due to how many factors are involved with the installation of a dental implant, it can vary whether or not the insurance policy will cover an implant.

This makes it extremely important to discuss your options with your dentist. They can also give you a quote so you have additional information to provide your insurer. By discussing payment information and options with your dentist, you can make an informed decision about the implant.

Are Children Covered by Dental Insurance in Canada?

Typically, children are covered by some form of provincial program that is publicly funded. For example, the Alberta Child Health Benefit provides some free dental services for children aged 17 and younger. 

Additionally, children may be covered by their parents’ employee benefits package or through a private insurance plan. It’s important to note, though, that even if a child is covered by their parents’ dental insurance, there may be limitations on what services are covered. We recommend you review the details of your individual plan so you can find out what’s covered.

What Affects Dental Coverage in Canada?

Typically, the most important factor to consider is your specific plan. Some plans offer full coverage, while others only cover cleanings or fillings. 

Another factor that comes into play is your specific medical history. Certain medical conditions can make it more likely to develop complications due to the surgery, and this could affect your coverage.

And finally, the cost can vary. Some plans have a limit to their percentage of coverage, where they’ll pay for some or most of the implant’s cost but may require you to foot the bill for the rest. It’s always a good idea to speak with both your dentist and insurance provider so you can prepare for possible out-of-pocket costs.

A close-up of prosthetic teeth, a crown, and a bridge used in prosthodontics.

Alternatives to Dental Implants

When it comes to replacing a missing or damaged tooth, there are alternatives to dental implants. For example, bridges can be installed—these are artificial teeth placed between 2 existing teeth that serve as anchors. These are typically made of porcelain and are often more affordable than implant surgery.

Another option that exists is dentures, which are removable artificial teeth. These can be held in the mouth through a variety of ways and are custom-made for your specific oral needs, and are often the most affordable option for replacing missing or damaged teeth. Both dentures and bridges are excellent ways to replace a tooth, but they often aren’t as long-lasting as dental implants.

Reach Out to Your Trusted Dental Team 

When it comes to implant installation and insurance, the most important thing is to be informed before making a decision. You should openly communicate with your dentist and ask questions, and research your specific insurance plan in full. By learning what will be covered and having answers to any questions you may have, you can make the best decision for your oral health.

Schedule an appointment with us here at Symmetry Dental today to speak with an educated and caring professional about your options for dental implants!

Dr. Saleema Adatia, Calgary dentist

Written by Dr. Saleema Adatia

Dr. Saleema Adatia earned her Doctorate of Dental Medicine (DMD) from Tufts University in 2006. Since then, she’s been committed to serving her patients’ needs with the utmost passion. Dr. Adatia has owned and operated Symmetry Dental since 2013 and has integrated high-quality services with friendly care into the philosophy of the practice.

With a goal of providing the best patient care possible, Dr. Adatia ensures that her practice stays up to date with the latest dental technologies and techniques. Her personal passion for dentistry stems from a desire to create a positive impact on each patient’s quality of life. Whether that means treating people’s pain or restoring function and beauty to their smiles, the goal is always the same: to help make patient’s lives just a little bit better by working together in harmony.

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