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The Best Dental Insurance for Implants on the Marketplace

Dental implants are used to replace missing teeth. Whether you lost a tooth in an accident or you needed an extraction because of extensive damage or decay, an implant might be the ideal replacement because it looks and functions just like a natural tooth.

Unfortunately, dental implants are pricey—in fact, they could cost thousands. But does dental insurance cover implants? Yes, some providers offer plans that can help reduce the amount of money you’d need to pay when undergoing this procedure.

What insurance covers dental implants, and what are your best options to lower your cost of implants? To help you find the right dental insurance for implants, we’ve compiled a list of insurers that are worth considering.

Overview

6 of the best dental insurance plans that cover implants

Spirit Dental

Delta

Argus

Renaissance

Denali

California Dental

Are dental implants covered by insurance?

How much does insurance pay for implants?

Variations in total cost

Limits on coverage

Ready to shop for high-quality dental insurance that covers implants?

6 of the best dental insurance plans that cover implants


1. Spirit Dental

The nice thing about Spirit is their plans may come with a high annual maximum (upwards of $5,000), so that can be helpful when you need to undergo expensive treatments and procedures. Although they do have a missing tooth clause, they don’t impose a waiting period, even on major services, and they provide coverage for dental implants.

2. Delta Dental

Delta Dental offers various plans to suit your needs, so if you want a policy that will cover implants, it’s important to check the details to ensure you’ll receive this particular level of coverage. Their annual maximum may be high, which can be helpful, but there might be a missing tooth clause along with a waiting period for major services.

3. Argus

If Argus plans are available in your area, you might be able to sign up for a policy that covers a portion of the cost of dental implants. Plans might have no waiting periods, no deductibles, and no pre-existing condition exclusions, making them a good choice if you’re looking for coverage for major services. However, even though they offer plans with an unlimited annual max, there might be a cap on certain procedures.

4. Renaissance

Renaissance offers plans that cover a percentage of the cost of dental implants, and they may have a high annual maximum that can also help ensure you’ll save money when needing major services. However, there may be a deductible that you’ll need to cover each year, so that’s one out-of-pocket expense to keep in mind.

5. Denali

With a high annual maximum (up to $6,000) and plans that cover a percentage of major services, Denali can be another smart choice when shopping for dental insurance that covers implants. Plus, they offer plans without waiting periods, and you may be able to choose from a large network of dentists, which can be useful if you’re hoping to find more affordable providers.

6. California Dental

California Dental offers a plan that can help cover the cost of dental implants, even if your teeth are already missing when you sign up. This insurer provides affordable options with low premiums, no deductibles, low copays, and no waiting periods. And you can also find plans with an unlimited annual max. 

Are dental implants covered by insurance?

There are dental plans that cover implants, and they might help you save a lot of money in the event that you or someone in your family needs one or more dental implants.

Not all providers and plans provide this level of coverage, though, so it’s important to shop for insurance carefully. For example, a basic plan that doesn’t include coverage for major services won’t help you pay for dental implants. On the other hand, a policy that includes major services might cover implants.

Note: A dental policy might have restrictions regarding pre-existing conditions. If that’s the case and you’re already missing a tooth when you enroll, you might not be eligible for implant coverage.

How much does insurance pay for implants?

Different insurance plans offer varying amounts of coverage for implants. For example, if a plan classifies implants as a major service, and major services are covered at 50%, the insurance would cover half of the cost.

Variations in total costs

An implant procedure is expensive because it involves several steps, on top of the cost of the implant itself. Also, the final price will depend on factors like where you’re located, the dental professional you use, and how extensive the procedure is (e.g. if you also need a bone graft or a tooth extraction). But, again, if your insurer is covering at least part of the cost, you may still end up saving a substantial amount.

Limits on coverage

There may be limits on how much the insurance will provide, and there might be out-of-pocket fees that you’ll be expected to pay. So, when shopping for dental implant insurance, consider the annual maximum, which is the total amount that your insurer will pay each year to help cover the cost of care. And look for other fees like copays, deductibles, and coinsurance that will also play a role in how much you’ll owe.

Bottom line: When comparing different dental implant insurance options, read the fine print to estimate how much you might save.

Ready to shop for high-quality dental insurance that covers implants?

When it comes to how to get dental implants covered by insurance, it’s all about carefully researching the companies that provide this specific type of coverage. We’ve outlined a few of the top options, but you can quickly and easily compare various plans in your area by using the Direct Benefits Marketplace.