Insurance coverage for implant

[IwillbeatPD]

Hey guys!

First of all, my implant is still fine but just thinking ahead.

Last time I had my implant done, my insurance company initially told me it was covered over the phone, and long story short...because they told me that I was able to get them to cover the surgery-with much fighting. However, turns out they DO NOT cover the implant surgery.

As I look 10,20,30 years down the road, wondering what you all recommend when I eventually need a replacement. I'm 39 so I'll have whatever company insurance at the time. If it's the same as now, assuming it won't be covered. Few questions:

1. Are insurance companies more likely to cover an implant replacement compared to a new implant? How does that impact insurance coverage?

2. If I know my current insurance plan won't cover it the next time around, is there anything I can do in the interim to avoid paying out of pocket?

Any advice is appreciated!

[Mikel7]

Stabler is the one to give you a correct answer on this and she is going to be out for a little while.....She should be back by end of September I think.

[Pfract]

 IwillbeatPD :

Love the attitude and the foresight you are having. I am Canadian, so i can't answer you on this unfortunately. But in your position what i would do is start with your insurance provider, ask this exact question and see what they say. From there, ask for and review their policy on that exact coverage and double check that.

Do the same for a bunch of insurance companies that you could possibly be dealing with. Also, something you can do that sort of mitigates the effects of an "insurance company" not paying for your next replacement surgery is to open a savings bank account and "save monthly X ammount of dollars for Y amount of years, roughly based on the life expectancy of your implant" that would cover your procedure + hospital stay. And since the surgery is probably far away, you could save say 100/150/200 USD a month? Just a suggestion, but it has served my right for other things i wanted to do.

That way you would be covered on your own, worst case scenario. MY two cents