Understanding All-on-4 insurance coverage can feel overwhelming when you are exploring full-mouth restoration options. The good news is that while most dental insurance plans do not cover the entire cost of All-on-4 implants, many policies provide partial coverage for specific components of the procedure. At TruSmile Now, we help patients navigate their insurance benefits and maximize their coverage to make this life-changing treatment more affordable.
At TruSmile Now, Dr. Han Choi, DDS, DABOI, FAAID, has helped hundreds of patients achieve permanent, beautiful smiles. As a Diplomate of the American Board of Oral Implantology and Fellow of the American Academy of Implant Dentistry, Dr. Han Choi is a board-certified implant specialist who handles the most complex cases, including All-on-4 and full-arch restorations. With experience managing 10 clinics and training over 30 dentists, his expertise is unmatched in the Phoenix metro area.
📋 WHAT IS ALL-ON-4 INSURANCE COVERAGE?
All-on-4 insurance coverage refers to the portion of your dental insurance benefits that apply to the full-arch restoration procedure. Most traditional dental insurance plans categorize All-on-4 as a cosmetic or elective procedure, which means they typically do not cover the implants themselves. However, many insurance companies will cover certain aspects of the treatment process.
According to the American Dental Association, dental implants are considered a safe and effective long-term solution for tooth replacement. While insurance companies recognize this, coverage policies vary significantly between providers and plan types.
Understanding your specific All-on-4 insurance coverage requires reviewing your policy documents and speaking directly with your insurance provider. At TruSmile Now, our knowledgeable team can help you verify your benefits and identify which portions of the procedure may be covered under your plan.
💰 WHAT PARTS OF ALL-ON-4 DOES INSURANCE TYPICALLY COVER?
While complete All-on-4 insurance coverage is rare, many dental plans will cover specific components of the treatment. Understanding which parts may be covered can help you estimate your out-of-pocket costs more accurately.
Tooth extractions are often covered under basic or major restorative benefits. If you need teeth removed before receiving your All-on-4 prosthesis, your insurance may pay 50-80% of extraction costs depending on your plan.
Diagnostic imaging and X-rays, including panoramic X-rays and 3D cone beam CT scans, are frequently covered as diagnostic procedures. At TruSmile Now, we provide a free consultation with 3D cone beam CT scan, which can help you avoid these initial costs entirely.
Bone grafting procedures may receive partial coverage if deemed medically necessary. Some insurance plans cover 50% of bone grafting costs when the procedure is required to support implant placement.
The prosthetic portion of All-on-4 treatment (the actual denture that attaches to the implants) may be partially covered under your plan’s denture benefits. Some policies provide $1,000-$2,000 toward the prosthesis, even if they do not cover the implants themselves.
🏥 HOW MEDICAL INSURANCE AND MEDICARE AFFECT COVERAGE
Beyond traditional dental insurance, some patients may have additional coverage options through medical insurance or Medicare. TruSmile Now is one of the few Arizona practices accepting Medicare Part B for medically necessary dental treatments.
Medicare Part B may cover certain aspects of dental care when the treatment is required due to a medical condition or accident. For example, if tooth loss resulted from cancer treatment, radiation therapy, or a traumatic injury, Medicare might provide coverage for reconstructive procedures.
Medical insurance policies occasionally cover dental implants when tooth loss is connected to a covered medical condition. Conditions like oral cancer, severe jaw infections, or congenital disorders may qualify for medical insurance coverage rather than dental coverage.
According to peer-reviewed research on implant survival rates, dental implants demonstrate excellent long-term success rates, making them a medically sound investment in your oral health and overall well-being.
Maximizing Your Insurance Benefits
To maximize your All-on-4 insurance coverage, start by requesting a complete breakdown of your dental benefits. Ask your insurance provider specifically about coverage for implants, extractions, bone grafting, and prosthetics.
Timing your treatment strategically can also help. If your insurance has an annual maximum (typically $1,500-$2,000), you might split the procedure across two calendar years to access benefits twice. For example, complete extractions and bone grafting in December, then place implants and the prosthesis in January.
At TruSmile Now, we accept most major insurance plans including Delta Dental, Cigna, UnitedHealthcare, MetLife, Aetna, Guardian, Blue Cross Blue Shield of Arizona, and Anthem BCBS. Our team will submit pre-authorization requests to your insurance company and provide detailed cost estimates before you begin treatment.
📊 UNDERSTANDING YOUR OUT-OF-POCKET COSTS
Even with partial All-on-4 insurance coverage, most patients will have significant out-of-pocket expenses. Understanding the full cost breakdown helps you plan financially for this investment in your smile and quality of life.
At TruSmile Now, All-on-4 with PMMA starts at $9,999 (with a 1-year warranty), while All-on-4 with zirconia starts at $13,999. These prices are highly competitive for the Phoenix metro area and include all components of the procedure.
If your insurance provides $2,000 in combined benefits for extractions, imaging, and the prosthetic component, your out-of-pocket cost would be approximately $7,999 for PMMA or $11,999 for zirconia. The exact amount depends on your specific coverage and treatment needs.
We offer flexible payment plans through Cherry to make treatment affordable. These financing options allow you to spread the cost over monthly payments that fit your budget, making this procedure accessible even without comprehensive coverage.
Comparing All-on-4 to Traditional Dentures
When evaluating coverage options, it helps to compare the long-term value of All-on-4 versus traditional dentures. While conventional dentures may receive better insurance coverage initially, they require replacement every 5-7 years and often need frequent adjustments, relining, and adhesive products.
All-on-4 implants, by contrast, can last 20+ years or even a lifetime with proper care. The prosthetic teeth may need replacement after 10-15 years, but the implants themselves become permanent parts of your jaw. This longevity makes the treatment more cost-effective over time, even with limited insurance support.
✅ STEPS TO VERIFY YOUR ALL-ON-4 INSURANCE COVERAGE
Taking a systematic approach to verifying your benefits ensures you understand exactly what your insurance will cover before beginning treatment. Follow these steps to get accurate information about your coverage:
Step 1: Contact your insurance provider directly. Call the customer service number on your insurance card and ask specifically about coverage for dental implants, full-arch restorations, tooth extractions, bone grafting, and implant-supported prosthetics.
Step 2: Request written documentation. Ask your insurance company to send you a written breakdown of your benefits, including annual maximums, coverage percentages for major procedures, and any exclusions related to implants or cosmetic dentistry.
Step 3: Schedule a consultation at TruSmile Now. During your $49 new patient special (includes exam, X-rays, and consultation), our team will review your treatment needs and help you understand which procedures may qualify for insurance reimbursement.
Step 4: Submit a pre-authorization request. Before beginning treatment, we will submit detailed treatment plans to your insurance company for pre-authorization. This gives you a clear picture of what they will cover before you commit to the procedure.
Step 5: Explore alternative financing. If your coverage falls short, discuss payment plan options with our financial coordinators. We work with every patient to find a solution that makes treatment accessible.
Why Choose TruSmile Now for All-on-4 Treatment
Beyond helping you maximize your insurance benefits, TruSmile Now offers several advantages that make us the preferred choice for All-on-4 treatment in Arizona. Our state-of-the-art in-house dental lab means your prosthetics, dentures, and crowns are made on-site, reducing turnaround time and ensuring precise fit.
We offer same-day emergency appointments if complications arise, and our team of six experienced doctors spans all dental specialties. This comprehensive approach means you receive coordinated care from consultation through final restoration.
Our free consultation includes a 3D cone beam CT scan, providing Dr. Han Choi with detailed imaging to plan your treatment with precision. This advanced technology helps identify potential complications before they occur and ensures optimal implant placement for long-term success.
❓ FREQUENTLY ASKED QUESTIONS
Will my dental insurance cover any part of All-on-4 implants?
Most dental insurance plans provide partial All-on-4 insurance coverage for specific components like tooth extractions, diagnostic imaging, bone grafting, and sometimes a portion of the prosthetic. While the implants themselves are rarely covered, you may receive $1,000-$3,000 in combined benefits depending on your plan. Contact TruSmile Now for a free benefits verification to understand your specific coverage.
Does Medicare cover All-on-4 dental implants?
Traditional Medicare does not cover most dental procedures, including All-on-4 implants. However, Medicare Part B may cover certain dental services when they are medically necessary due to accident, injury, or disease. TruSmile Now accepts Medicare Part B for qualifying treatments. Some Medicare Advantage plans offer dental benefits that may provide limited coverage for this procedure.
How much does All-on-4 cost without insurance?
At TruSmile Now, All-on-4 with PMMA starts at $9,999 and All-on-4 with zirconia starts at $13,999. These prices include all components of the treatment. We offer flexible payment plans through Cherry that allow you to spread the cost over manageable monthly payments, making treatment accessible even without comprehensive insurance coverage.
Can I use my HSA or FSA for All-on-4 implants?
Yes, All-on-4 dental implants qualify as an eligible expense under most Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Using these pre-tax dollars can save you 20-30% on your out-of-pocket costs depending on your tax bracket. This is an excellent way to make treatment more affordable when insurance coverage is limited.
What insurance plans does TruSmile Now accept?
We accept most major dental insurance plans including Delta Dental, Cigna, UnitedHealthcare, MetLife, Aetna, Guardian, Blue Cross Blue Shield of Arizona, Anthem BCBS, Arizona Complete Health, and many others. We also accept Medicare Part B for medically necessary treatments. Our team will verify your benefits and help you understand your coverage before you begin treatment.
How can I maximize my dental insurance benefits for All-on-4?
To maximize your benefits, consider splitting treatment across two calendar years to access your annual maximum twice. Request pre-authorization from your insurance company before beginning treatment. Ask about coverage for each component separately (extractions, bone grafting, prosthetics). Our team at TruSmile Now will help you develop a treatment timeline that optimizes your insurance benefits while ensuring the best clinical outcomes.
🏢 VISIT TRUSMILE NOW – 3 ARIZONA LOCATIONS
TruSmile Now Peoria
20542 N Lake Pleasant Rd, Suite 113
Peoria, AZ 85382
Phone: (602) 362-0447
Hours: Mon-Thu 9:00 AM – 5:00 PM
TruSmile Now Chandler
2900 W Ray Rd #3
Chandler, AZ 85224
Phone: (480) 393-0687
Hours: Mon-Thu 9:00 AM – 5:00 PM
TruSmile Now Ahwatukee (Phoenix)
4530 E Ray Rd #170
Phoenix, AZ 85044
Phone: (480) 360-4754
Hours: Mon 9-5, Tue 7am-2pm, Wed-Thu 10-7, Fri 8-3, Sat 8am-1pm
Serving Peoria, Chandler, Ahwatukee, Phoenix, Tempe, Mesa, Gilbert, Scottsdale, Glendale, Surprise, and the Greater Phoenix metro area.
New Patient Special: $49 – Includes exam, X-rays, and consultation!
We accept most major insurance including Delta Dental, Cigna, UnitedHealthcare, MetLife, Aetna, BCBS, and more. Medicare Part B accepted for medically necessary treatments.
We offer flexible payment plans through Cherry to make your treatment affordable.
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Ready to understand your All-on-4 insurance coverage? Call any of our locations or schedule online today!
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