Dental Blog / Dental Insurance That Covers Implants

Dental Insurance That Covers Implants

Updated June 2022

When you need to replace one or more teeth, your dentist might recommend dental implants. Unlike dentures that you need to take out of your mouth to clean, a dental implant will be set permanently in your jaw, so it will be like having a real tooth. You’ll be able to chew and speak normally, and you’ll be able to brush and floss like you’ve always done. 

One downside to getting a dental implant, however, is the cost. If you’re on a tight budget and need to pay for an implant totally out of pocket, you might be reluctant to undergo this procedure. 

Are dental implants covered by insurance?

You can certainly find dental insurance that covers implants, but it’s important to keep in mind that not all dental plans cover this procedure. For example, some insurers categorize implants as a cosmetic procedure and, therefore, provide little to no support. 

Even if you find a plan that includes implants, it’s wise to look at the fine print so you’ll know exactly what you’re getting. There are multiple steps involved in placing an implant, from the exam and X-rays to the procedure, implant, and crown. Plus, if you need to undergo a treatment (e.g., a bone graft or tooth extraction) to prepare your mouth for an implant, you’ll need to consider the cost of that too. 

Note: Your medical insurance might help cover the cost of a dental implant in certain cases, such as when it’s medically necessary. And, depending on the reason for the implant, you might even be able to get help from both your medical and dental insurance policies. 

Full coverage dental insurance plans

Signing up for a full coverage dental plan might be the best way to get the most support when paying for dental implants. This type of policy typically helps cover the cost of preventive care, basic services, and major services.   

Limits on dental implant insurance coverage

Getting dental implants with insurance can help you save money, but there might be limitations on how much the insurer will pay. 

  • One thing to watch out for is a missing tooth clause. Some insurers won’t cover a dental implant to replace a tooth that was lost before the policy took effect. 


  • Another thing to consider is the percentage of the cost that the insurer will cover. For example, if implants are deemed a major service that’s covered at 50%, you’ll be responsible for the balance.


  • Look for the out-of-pocket costs (e.g., copays, deductibles, coinsurance) that you’ll be responsible for. And keep in mind that your plan’s annual maximum can limit the amount of money the insurer will spend on your care. 

Remember, dental implant procedures involve multiple appointments, during which your dentist will prepare your mouth, insert the implant and crown, and ensure your mouth heals properly. It can all add up fast.

How to get dental implants covered by insurance

Many dental insurance companies offer plans that cover implants. However, the coverage amounts vary, with some plans offering much more than others. 

It’s wise to shop around and carefully compare dental implant insurance plans before deciding on the one that fits your needs and budget. You can do so easily by visiting the Direct Benefits Marketplace and searching for policies that are available in your area. 

Implants vs dentures coverage

There are pros and cons to weigh when it comes to dental implants and dentures, as well as implant-supported dentures. Your dentist can help you decide which solution is best for you based on your needs and preferences. 

No matter which treatment you choose, having the right insurance can help you save and give you peace of mind. But, again, not all plans will cover these treatments, so be sure to read the details carefully before enrolling. 

Common questions about dental implants insurance coverage  

What are dental implants? 

A dental implant looks like a small screw, and your dentist will put it into your jaw during a surgical procedure. An abutment is then placed on top of the implant, followed by a custom crown that will look, feel, and function like a natural tooth. 

The whole procedure is done in stages, so it can take time, but once you have your implant, it will be long-lasting if you take good care of it. 

How much do dental implants cost?

Dental implants can cost thousands. Here are some average prices to give you an idea of what you might need to pay out of pocket if you don’t have insurance:

  • A single implant to replace one tooth might cost $1,500 to $6,000. 
  • If you need to replace up to four teeth, it might cost upwards of $10,000. 
  • Full mouth implants might cost over $34,000. 

Keep in mind that the final cost will depend on factors like the type of implant and crown, whether you need any other treatments, and the dental professional you use.