How to Get Dental Implants Covered by Insurance: A Comprehensive Guide

dental implants insurance

If you are considering dental implants, you may be wondering if they are covered by insurance. The answer depends on your insurance policy and the reason for the implant. Generally, dental insurance plans do not cover cosmetic procedures, including implants. However, some medical insurance plans may cover implants if they are deemed medically necessary.

To determine if your insurance covers dental implants, it is important to review your policy and speak with your insurance provider. If your policy does not cover implants, there may be other options available to help make the procedure more affordable. Some dental offices offer financing options or payment plans to help patients cover the cost of implants.

It is also important to consider the long-term benefits of dental implants. While they may not be covered by insurance, they can improve your oral health and quality of life. Dental implants are a permanent solution for missing teeth and can help prevent bone loss and other dental issues.

Understanding Dental Implants

Dental implants are artificial tooth roots that are placed into the jawbone to replace missing teeth. They are made of titanium, a biocompatible material that fuses with the bone to create a strong foundation for the replacement teeth. Dental implants are a popular and effective way to replace missing teeth, and they can last a lifetime with proper care.

What Are Dental Implants?

Dental implants are small, screw-shaped posts that are surgically placed into the jawbone. They serve as the foundation for replacement teeth, such as crowns, bridges, or dentures. Dental implants are made of titanium, a biocompatible material that is strong and durable. The implant is surgically placed into the jawbone, where it fuses with the bone over time. Once the implant has fused with the bone, a replacement tooth can be attached to the implant.

Why Get Dental Implants?

There are several reasons why someone might choose to get dental implants. One of the most common reasons is to replace one or more missing teeth. Dental implants are a popular alternative to dentures or bridges because they look and feel like natural teeth. They also help to preserve the jawbone, which can deteriorate over time when teeth are missing.

Dental implants are also a good option for people who have lost teeth due to injury or disease. They can help to restore the function of the teeth and improve the overall appearance of the smile. Additionally, dental implants can help to improve speech and make it easier to eat and chew.

Types of Dental Implants

There are several types of dental implants, including endosteal implants, subperiosteal implants, and zygomatic implants. Endosteal implants are the most common type of dental implant and are placed directly into the jawbone. Subperiosteal implants are placed on top of the jawbone, but underneath the gum tissue. Zygomatic implants are used in cases where there is not enough bone in the upper jaw to support traditional implants.

The type of dental implant that is used will depend on several factors, including the location of the missing tooth, the condition of the jawbone, and the patient’s overall health. Your dentist can help you determine which type of dental implant is right for you.

Insurance Coverage for Dental Implants

Dental implants are an effective way to replace missing teeth, but they can be expensive. Fortunately, many dental insurance plans cover at least a portion of the cost of dental implants. However, it’s important to understand what is and isn’t covered by your plan.

Dental Insurance Plans That Cover Implants

Not all dental insurance plans cover dental implants, so it’s important to check with your insurance provider before getting the procedure. Here are some dental insurance plans that do cover implants:

  • Delta Dental Premier
  • Denali PPO plans
  • Cigna employee plans
  • Anthem Essential Choice Platinum

What Is Covered by Dental Insurance?

What is covered by dental insurance varies by plan, but most plans cover a portion of the cost of dental implants. Typically, the amount covered is around 50%, but some plans may cover up to 80%. Dental insurance may also cover other costs associated with dental implants, such as anesthesia, abutment, and x-rays.

Many dental insurance plans also have annual maximums and deductibles. The annual maximum is the most your insurance will pay for dental care in a year, while the deductible is the amount you must pay out-of-pocket before your insurance kicks in.

What Is Not Covered by Dental Insurance?

While many dental insurance plans cover a portion of the cost of dental implants, there are some things that are typically not covered. These may include:

  • Waiting periods
  • Copayments
  • Out-of-pocket costs
  • Pre-existing conditions

It’s important to read your plan’s policy carefully to understand what is and isn’t covered. Some plans may have exclusions or limits on coverage for dental implants.

If your dental insurance plan doesn’t cover dental implants, there are financing options available. Many oral and maxillofacial surgeons offer financing plans or loans to help cover the cost of the procedure.

Finding Affordable Dental Implant Coverage

For those who need dental implants but are concerned about the cost, there are several options available to help make the procedure more affordable. Here are some tips on how to find affordable dental implant coverage:

How to Find Affordable Dental Implant Coverage

One option is to look for dental insurance plans that cover implants. Some full-coverage dental plans provide 50 to 80 percent coverage on implants. Other plans may cover the cost of CT scans or other necessary procedures. It’s important to carefully review the details of each plan to understand what is covered and what is not.

Another option is to consider a dental discount plan. These plans offer discounts on dental procedures, including implants. Members pay an annual fee to access discounted rates from participating dentists.

Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) can also be used to pay for dental implants. These accounts allow individuals to set aside pre-tax dollars for qualified medical expenses, including dental procedures.

Finally, some dental savings plans offer reduced rates on dental procedures, including implants. These plans typically require a monthly or annual fee and may have waiting periods or deductibles.

Factors That Affect the Cost of Dental Implants

Several factors can affect the cost of dental implants, including the location of the procedure, the oral health of the patient, and the experience of the oral surgeon. The type of implant and the materials used can also impact the cost.

Patients with significant bone loss in the jaw may require additional procedures, such as bone grafts or sinus lifts, which can increase the overall cost of the implant procedure.

Tips for Reducing Dental Implant Costs

There are several ways to reduce the cost of dental implants. Patients can look for dental insurance plans that cover implants or consider a dental discount plan. Using an FSA or HSA to pay for the procedure can also help reduce out-of-pocket costs.

Patients may also want to consider traveling to a different location for the procedure. Dental implant costs can vary widely depending on the location, and some areas may offer more affordable options.

Finally, patients can talk to their oral surgeon about ways to reduce the cost of the procedure. Some surgeons may offer payment plans or financing options to help make the procedure more affordable.

Choosing a Dentist for Dental Implants

Getting dental implants is a serious procedure that requires careful consideration and planning. One of the most important decisions you’ll make is choosing the right dentist or oral surgeon to perform the procedure. In this section, we’ll discuss why it’s important to choose a qualified dentist, how to find a qualified dentist, and questions to ask your dentist about dental implants.

Why Choose a Qualified Dentist for Dental Implants?

Dental implants are a complex dental treatment that requires a high level of skill and expertise. Choosing a qualified dentist or oral surgeon can mean the difference between a successful implant and a failed one. A qualified dentist will have the necessary training, experience, and equipment to perform the procedure safely and effectively.

When choosing a dentist for dental implants, it’s important to look for someone who:

  • Has experience performing dental implant procedures
  • Has the necessary training and qualifications
  • Uses the latest technology and techniques
  • Has a good reputation in the community

How to Choose a Qualified Dentist for Dental Implants

Choosing a qualified dentist for dental implants can be a daunting task, but there are several things you can do to make the process easier. Here are some tips:

  • Ask for referrals from friends, family, or your regular dentist
  • Check online reviews and ratings
  • Research the dentist’s qualifications and experience
  • Ask about the dentist’s success rate with dental implants
  • Visit the dentist’s office for a consultation

Questions to Ask Your Dentist About Dental Implants

When you meet with a dentist for a consultation, it’s important to ask questions to ensure you feel confident in their ability to perform the procedure. Here are some questions to ask:

  1. How many dental implant procedures have you performed?
  2. What is your success rate with dental implants?
  3. What type of implants do you use?
  4. What is the estimated cost of the procedure?
  5. What is the recovery process like?
  6. What are the risks and complications associated with the procedure?

By taking the time to choose a qualified dentist for your dental implant procedure, you can ensure the best possible outcome and a successful implant that will last for years to come.


Getting dental implants covered by insurance can be a complex process that requires careful planning and research. However, it is possible to reduce the out-of-pocket costs of dental implant surgery by taking advantage of insurance benefits and exploring alternative financing options.

It is important to note that not all insurance plans cover dental implants, and those that do may have restrictions and limitations that can impact coverage. Patients should carefully review their policy documents and speak with their insurance provider to understand their coverage options and any associated costs.

Patients may also consider alternative financing options, such as dental savings plans, credit cards, or personal loans. These options can help cover the cost of dental implant surgery and may offer more flexible payment terms than traditional insurance plans.

Ultimately, the decision to pursue dental implant surgery and explore insurance coverage options is a personal one that should be made in consultation with a qualified dental professional. Patients should prioritize their oral health and seek out the care and treatment they need to maintain a healthy smile and quality of life.

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