Does Dental Insurance Cover Implants? All You Need to Know

Dental implants are one of the most effective and long-lasting solutions for missing teeth—but they’re also expensive. While most standard dental insurance plans do not fully cover implants, some offer partial coverage, and there are strategies to reduce your out-of-pocket costs.

1. Does Insurance Usually Cover Implants?

• Most traditional dental insurance plans classify implants as a major procedure, offering 20% to 50% coverage.

• Some newer or premium plans offer up to 70–80% coverage, though they may come with higher monthly premiums.

• Coverage depends on your provider, plan type, and whether the procedure is considered medically necessary.

2. How Much Do Dental Implants Cost?

• Without insurance, a single dental implant costs between $3,000 and $6,000.

• This includes the implant post, abutment, and crown.

• Additional procedures like bone grafts or extractions can raise the total.

3. What Affects Your Insurance Coverage?

• Waiting periods: Many plans impose a 12–24 month waiting period before covering major procedures.

• Annual maximums: Most dental plans cap annual benefits at $1,000–$2,000, which may not even cover half the implant cost.

• Missing tooth clause: Some policies won’t cover implants if the tooth was lost before your coverage began.

• Medical exceptions: In cases of trauma or congenital conditions, your medical insurance may cover part of the implant cost.

4. How to Check Your Coverage

To confirm what’s covered:

• Ask your insurance provider if implants and the crown are included.

• Inquire about deductibles, coinsurance, and waiting periods.

• Request a pre-treatment estimate or pre-authorization from your dentist.

5. What If Your Plan Doesn’t Cover Implants?

• Consider implant-specific insurance plans that offer higher coverage rates.

• Use FSA or HSA funds to pay for the procedure tax-free.

• Ask about payment plans or financing through your dentist.

• Look into discount dental plans that reduce costs even without insurance.

Summary Table

Final Takeaway

Dental insurance coverage for implants is limited—but not impossible. With the right plan, timing, and preparation, you can significantly reduce costs. Check for waiting periods, annual caps, and pre-authorization requirements before starting treatment.

Want help reviewing your coverage or finding a better dental plan that includes implants?
With over 30 years of experience and access to nearly 100 carriers, THAgency will find the best solution tailored to your needs. Send your request now—fast, secure, and commitment-free.