Does Dental Insurance Cover Implants?

Whether or not dental insurance covers dental implants depends on the individual plan. Some dental insurance companies will cover dental implants, while others will only partially cover them. The best plans depend on your specific needs and financial situation. 

Delta Dental, Denali Dentali, and Cigna Group Dental are some insurance companies that can help cover your dental implants.

Note: Some dental implants are more expensive than others. This can impact insurance coverage. 

 Our experts at NewMouth recommend the following dental insurance companies:

5 Best Dental Insurance Plans for Implants

Some dental insurance plans stand out against the rest when looking to get dental implants. The right dental insurance plan for you depends on your specific needs and financial situation.

1. Delta Dental: Best Dental Insurance For Accessibility 

Delta Dental is the largest dental insurance provider in the U.S. It offers comprehensive coverage in all states and territories. Their PPO Individual Premium plan partially covers dental implants and other services such as teeth cleanings, x-rays, and other preventive care. 

Coverage Limit: Varied

Pros

• Dental implants are covered on many plans
• Includes an extensive network of dental care providers
• Available all over the U.S. and its territories
• Offers discounts through participating dentists

Cons

• Long waiting periods for dental implants (up to 12 months)
• Annual maximums and deductibles
• Some plans only cover 50% of major procedures, like dental plans

2. Denali Dental: Best Dental Insurance Overall Runner Up

Denali Dental is available widespread in 34 states and has been operating for 60 years. Every year you’re on one of their plans, your coverage amount increases. Both plans they offer cover major procedures, like dental implants. 

Coverage Limit: $6,000

Pros

• The longer you’re on a plan, the higher level of coverage you obtain
• Major services, like implants, are covered on both plans that they offer
• Ability to tailor your insurance coverage to your specific needs
• Premiums are relatively love

Cons

• Prices greatly vary from state to state
• Not available in 14 states

3. Cigna Group Dental DHMO: Best Dental Insurance For Group Coverage 

Cigna covers dental implants and offers group plans. They also cover implant-supported dentures, including dental repair, placement, restoration, and removal.

Additionally, Cigna covers Health Maintenance Organizations (HMOs). Each plan has global emergency and urgent dental care coverage, available 24/7. 

Coverage Limit: Varied

Pros

• No annual maximums or deductibles
• Covers several types of dental implants
• No claim filing when you visit a network dentist (they’ll file it automatically)
• Large network of over 309,000 locations
• Covers two teeth cleanings per year
• Well-known company with high ratings

Cons

• Not available nationwide
• Implants aren’t covered on all plans
• Limits on certain implants you can get

4. Spirit Dental: Best Dental Insurance For Fast Approval 

Spirit Dental insurance for implants is one of the best dental insurance providers if you need fast and guaranteed approval. Coverage includes dental cleanings, exams, fillings, implants, crowns, and braces and begins the day after electing a plan.

Receiving care from in-network providers can save you up to 32% per procedure. You can use the online plan finder tool to find nearby offices that provide dental implants.

Coverage Limit: $5,000

Pros

• Approval guaranteed
• No waiting periods for most procedures
• One-time deductible of $100  
• Covers three cleanings per year
• Covers dental implants and major dental services
• Available in all 50 states
• Offers individual and group dental insurance plans
• Free online quotes

Cons

• Does not cover missing teeth for dental implants
• Low annual coverage limits applied until 3 years of coverage

5. Ameritas: Best Dental Insurance For the Price

Ameritas is a well-trusted company that has been selling insurance for over 60 years. They cover 100% of preventive visits when you use an in-network provider. They offer various plans, which cover various services at different prices.

Coverage Limit: $2,500

Pros:

• No waiting period on multiple different plans
• Dental implants covered up to the coverage limit
• Free quote available online 

Cons:

• Low and limited first-year coverage
• Annual maximums
• Plans cover up to only 20% of major procedures for the first year 
• Plans cover up to only 50% after the first year

Comparing Dental Insurance Plans

Tips for Choosing the Right Dental Insurance for Implants

When looking for dental insurance, it’s important to find a plan that’s customized to your specific needs. 

Here are some helpful tips to consider:

1. Choose a Plan with a Short Waiting Period

Most providers have a 12-month waiting period for specific dental implant coverage. If you need implants urgently, choose an insurance plan with no waiting periods. 

2. Research the Plan’s Deductible Amount

Decide whether you want to pay a lifetime or annual deductible. Before signing up, ensure you understand the provider's policies regarding deductibles.

3. Learn about the Plan’s Annual Coverage Limits 

This is the maximum amount the provider pays for their insurer in a given year. Unless you choose a provider with no maximum coverage, find out how much your insurer will pay for your implant(s). 

4. Don’t Forget about Co-Pay Costs 

This refers to the amount you’ll pay out of pocket after a particular procedure. The amount is usually calculated based on percentages. Most dental insurance plans will cover 50 to 80% of the costs, especially for new clients.

Summary

• Whether or not an insurance company covered dental implants depends on the insurance company and the plan that your choose.
• Choosing the right dental insurance company for you depends on your specific needs and procedures needed.
• There are other options if you don’t have insurance; however, the costs vary.