What Insurance Covers Dental Implants – Top Dental Insurance Carriers for Dental Implants

What insurance covers dental implants? Have you ever wondered? It can be difficult to understand what dental and health insurance covers, particularly for specialized procedures like dental implants.

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Patients frequently inquire as to whether their insurance will pay for dental implants; however, this will depend on your specific insurance plan and the kind of implant care you receive. Dental implants can completely change a person’s smile and restore enjoyment in eating. Without dental insurance, however, the cost of dental implants might also empty your bank account.

Dental insurance often covers the process that serves as a foundation for crowns, bridges, and dentures, albeit some may have waiting periods.

What Insurance Covers Dental Implants

What are Dental Implants?

Dental implants are titanium alloy prosthetic tooth roots. The implant, which resembles a screw in shape, is inserted into your jawbone to fuse with the surrounding bone.

The implant is a strong foundation for one or more crowns; artificial teeth, once the bond has formed. If you have a badly broken or missing tooth, dental implants can help. They may last a lifetime and have extremely high success rates.

If you have any pain when wearing dentures or have trouble chewing your food, having dental insurance that covers implants can be quite helpful.

Top Dental Insurance Carriers for Dental Implants

The following is a list of insurance providers that offer dental implants:

  • Guardian.
  • Ameritas.
  • Spirit Dental.
  • Delta Dental.
  • MetLife.
  • Humana.
  • Cigna.
  • Denali Dental.
  • Aflac.

These are some of the best insurance companies.

Cost of Dental Implants Without Dental Insurance

Dental implants can drastically alter a person’s smile and bring back their enjoyment of food. However, the cost of dental implants could also wipe out your bank account if you don’t have dental insurance.

Dental insurance frequently covers the procedure that forms the basis for crowns, bridges, and dentures. However, some may have waiting periods.

Cost of Dental Implants with Dental Insurance

The amount that insurance pays for a dental implant is determined by your plan’s maximum coverage limitations, deductible, and amount of coverage.

If you require a minor dental implant operation and have already surpassed your annual deductible, the price is $3,000. In that scenario, you would be responsible for the remaining $1,500 in dental coverage, with the plan covering up to $1,500.

Factors that Affect the Cost of Dental Implants

The following factors affect the rate of dental implants:

  • Number of implants needed.
  • Location of your tooth or teeth.
  • The type of implant placement.
  • The materials.
  • Overall oral health.
  • Location of the clinic.
  • Preliminary procedures.

These are among the numerous factors that can influence the cost.

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How to get Dental Implants Covered by Insurance

Here are detailed steps on how to get dental implant insurance:

  • Research Dental Insurance Plans: To begin, look into dental insurance policies that include implant coverage. Seek out insurance providers who make mention of implant coverage in their benefits summaries or policy details. Some top companies that offer this include Aflac, Humana, Cigna, etc.
  • Examine Coverage alternatives: Evaluate the dental implant coverage alternatives offered by each. Be mindful of waiting periods, coverage limitations, and exclusions for particular implant kinds or pre-existing diseases.
  • Examine Work-Sponsored Plans: Examine the available coverage alternatives if your work provides dental insurance. Compared to individual insurance, some employer-sponsored plans could provide greater coverage for dental implants.
  • Examine Policy Documents Carefully: Go through the terms and conditions, coverage specifics, and any exclusions or limits of the policy documents thoroughly before enrolling in a dental insurance plan. Ensure that you are well aware of what is and is not covered.
  • Speak with Your Dentist: Your dentist can offer important advice and details regarding dental implant insurance coverage. They can provide you with advice based on your unique dental needs, estimate the cost of the procedure, and explain it to you.

You can now pay your premium to activate the policy. Insurance plans may update the terms of coverage from time to time, so it is critical to keep up with any changes that can impact your coverage.

Frequently Asked Questions

Below are some frequently asked questions.

What Drawbacks are there to Dental Implants? 

The lengthy healing period associated with dental implants is one of its main drawbacks. To place the implants, the dentist must first make sure you have enough bone mass in your jaw. If not, you will require a bone graft procedure.

Are you Sedated to Receive a Dental Implant? 

A patient may be anesthetized during oral surgery, which is necessary to receive a dental implant. Anesthesia comes in a variety of forms that can be applied. The number of implants to be placed and the patient’s comfort and choice all play a role in the decision.

Is a Dental Implant Appropriate for a 70-year-old?

When thinking about implants, age is not a limiting factor. Nonetheless, before receiving implants, elderly patients may need to have certain health issues resolved. Among them could be uncontrolled diabetes or another long-term illness.


No two smiles are the same. Speaking with your dentist is the only method to receive an accurate dental implant estimate. Don’t allow the final cost to deter you from investing in a lifetime of tooth loss treatment that looks natural.

Even though they could be expensive, they are well worth the money.