Financial Aid for Dental Implant in Ontario?

Are you a beneficiary of an insurance scheme? If so, the chances are high that you have taken insurance on your car, house or business but haven’t taken one for your dental care. Well, statistics indicate that most people in Canada do not have dental implant insurance cover. Such a cover is essential because dental implants are expensive and can result in financial constraints if you do not have an insurance cover. Read through to know the importance of a dental insurance cover.

The lack of dental implant insurance has forced many people to adopt desperate measures when faced by dental implant procedures. For instance, I have an acquaintance who had to take a second mortgage on his house to foot a staggering bill of $ 8,600 after undergoing a dental implant. Therefore, for you to be safe, you should not take chances and gamble with both your physical and financial health. Do not hesitate to take a dental implant insurance cover.

You should never overlook your oral health for whatsoever reason. Always make regular visits to the dentist to keep both your teeth and gums in top notch condition. Neglecting your oral health can predispose you to other life-threatening diseases such as respiratory problems and diabetes. Unfortunately, the lack of dental insurance prevents most Canadians from visiting the dentist regularly.

Are you wondering the nature of this procedure that can cause irreparable damage on your finances? Well, dental implants are procedures that are done out of necessity and can impact greatly on both your quality of life and smile. It can be an artificial tooth that is anchored to your jaw and is used to hold a replacement tooth. Therefore, a dental implant will assist in holding your artificial tooth in place after undergoing the procedure.

Did you know that dental implants are not covered by insurance in Canada? Insurance covers do not include dental implants because the procedure is usually regarded as a cosmetic procedure. As a result, the coverage that may be offered may only cover a fraction of the entire cost. However, you may at times experience a rude shock since in some cases; no coverage is offered at all.

After finding out that your insurance policy does not cover dental implants, you may be forced to look for other avenues. One such avenue that might offer you solace is seeking financial aid for a dental implant. With that regard, I have personally come across dentists that offer a myriad of financing options when it comes to dental implants. If you are undergoing financial distress and are unable to pay out of pocket, then that may be the best option for you. The financing options that are offered by a majority of dentists will allow you to pay only a small amount upfront and the remaining balance over some time. Even though it may be a costly option since you’ll end up paying more over time, it will enable you to undergo the procedure albeit with limited financial resources. All dentists may not offer such an option. However, you will not miss a dentist offering a pocket-friendly option on closer look.

If you have additional financial resources, you may consider setting up a health spending account (HSA). Such an account will indeed come in handy when you are faced with the need to undergo a dental implant. Additionally, a health spending account (HSA) will act as a ‘health allowance’ that gives you a chance to undergo dental implants as well as other approved medical expenses.

From the above revelations, it is quite obvious that getting a dental implant insurance cover can be an arduous task. It is especially so in Canada where most insurance companies consider such medical procedures for cosmetic surgeries, hence opting not to cover them. The good news is that you can set up a Health Spending Account (HSA) that will cushion you from financial uncertainties when faced with a dental implant procedure.