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Finding Dental Insurance That Covers Implants - Dental Insurance Tips

By Susan Braden

Dental Insurance For Implants

Finding dental insurance that covers implants is challenging. This procedure is classified as cosmetic dentistry, which a lot of dental insurance plans will not cover.

Below, we will talk about this procedure, how much it typically costs with and without dental insurance and an insurance alternative that can help you save money on this dental treatment.


What Is a Dental Implant?

A dental implant is an artificial tooth root that is surgically placed into your jaw. On this root, a dentist is able to put a replacement tooth or bridge.

This surgery is used to replace missing teeth. It is often used to replace one or two missing teeth, but can also be used for full mouth reconstruction. Dental implants can also be used as an alternative to dentures.

How Much Is a Dental Implant with Insurance?

Dental Implants can cost anywhere between $1,600 and $8,200 per tooth without dental insurance. This pricing may vary. The cost of dental implants depends on many variables (i.e. the location of the tooth, the number of teeth, etc.).

Because most dental insurance plans do not cover this cosmetic worth, we are unable to give an estimated cost of how much a dental implant is with insurance.

Keep in mind though that some dental insurance plans may pay for part of the procedure, like any needed tooth extractions or crowns for the implants.

For more information on pricing rates, see our 1Dental fee schedule, which includes average pricing of treatments without dental insurance.

Check Your Existing Coverage, If Any

Thoroughly check your existing coverage to see if it might include implants. If it does not include implant savings, then you may want to search online for a plan that might cover the procedure. Bear in mind, however, that you cannot avoid out-of-pocket expenses entirely when considering oral treatments, especially for what is typically considered cosmetic dental work.

Investigate your existing policy to see if you already hit your annual maximum, which is the most amount of money your policy will pay per year. Otherwise, you might be responsible for the full cost of the treatment out-of-pocket. You may also want to investigate the reimbursement option on your existing plan. Understand how the process works with your particular insurance company, and use it wisely. If you find difficulty sifting through these terms and conditions, you may want to call the company and a few others to clarify your questions and compare coverage options.

Your dentist may also be a helpful resource as well for recommending plans that will cover implants. If you are unable to determine if your current policy covers the procedure, your dentist may know this as well.

Learn about Affordable Dental Plans

Implant Coverage Limitations

Be careful, however. If your current policy says it covers implants, it may have hidden exclusions or exceptions. Still an “exclusion” clause for implants does not necessarily mean that absolutely zero benefits to will apply to the procedure.

Classify your implant procedure as a “restoration” rather than “surgical therapy,” because some insurance companies will only reimburse you for “restoration” procedures. Look at your current plan and examine its alternate benefit clause. Always double-check that you are referring to the procedure you need by its correct ADA code, because the smallest differences between procedures could mean the difference between any coverage for your implants and full payment out of your own pocket.

Alternative to Insurance

If you still cannot find a way to receive benefits for your implant surgery, you may want to look into the affordable alternative of discount dental plans. Often for specialty procedures such as implants, you can receive a contracted percentage off of your preferred treatment with these dental plans, without deductibles or maximums. Whichever type of plan you need to help you pay for implants, you can find multiple insurance alternatives online.

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