Dental insurance is an important part of our overall health insurance. It helps us maintain the health of our teeth and gums and prevent the onset of dental problems. One of the most expensive dental procedures is the placement of dental implants, which can cost thousands of dollars. This is why it is crucial to have dental insurance that covers implants. In this article, we will look at what dental insurance covers implants, how to find the best dental insurance for implants, and what factors to consider when choosing a dental insurance plan.
If you need dental implants or are considering them, finding the right dental insurance plan that covers this procedure is crucial. In this article, we’ll discuss what you need to know about dental insurance and how to find the best dental insurance plan that covers dental implants.
Does Dental Insurance Cover Implants
Dental insurance coverage for dental implants varies depending on the insurance policy and the insurance provider. Some insurance plans may cover the cost of dental implants in full or partially, while others may not cover the cost at all.
In general, dental insurance plans classify dental implants as a type of major restorative service and may cover a portion of the cost, depending on the policy’s coverage limits. However, some insurance policies may have exclusions or limitations that could impact the coverage of dental implants, including mini dental implants. It is important to review the terms of your dental insurance policy and discuss your options with your insurance provider and dental professional to determine what is covered and what is not.
It is important to thoroughly review the terms of your dental insurance policy, including dental insurance that covers implants 100 percent, to determine what is covered and what is not. If you are considering dental implants.
Best Dental Insurance For Implants of 2023
Dental implants can greatly enhance your smile and improve your ability to eat comfortably. However, without dental insurance, the cost of this procedure can be substantial. Some dental insurance providers offer coverage for dental implants, which serve as a foundation for crowns, bridges, and dentures. Affordable Dentures and Implants is one such provider that offers affordable and accessible dental solutions. It’s important to note that some dental insurance plans have waiting periods for coverage and may not offer full reimbursement during the first year. It is crucial to thoroughly review the details of your dental insurance policy to understand the coverage offered for dental implants. To determine the best dental insurance option for you, it may be helpful to compare various insurance providers, including Affordable Dentures and Implants.
Delta Dental

Delta Dental is a leading dental insurance provider in the US. It offers a range of insurance plans for individuals, families, and businesses, covering preventive care, basic procedures, and major procedures such as implants. Policyholders have access to a vast network of over 160,000 participating dentists. Delta Dental also provides online resources to assist with coverage and dental health decisions. The company is well-established and provides competitive coverage and costs.
Delta Dental Pros and Cons
Pros:
- Large network of participating dentists
- Comprehensive coverage options
- Online resources to assist with coverage decisions
- A well-established and reputable company
Cons:
- Premium costs may be higher compared to other providers
- Some procedures may not be fully covered by insurance
- Policyholders may need to pay out-of-pocket costs for certain treatments
It’s important to consider both the pros and cons of Delta Dental and compare it with other dental insurance providers to determine the best option for you.
Guardian Direct

Guardian Direct is a subsidiary of The Guardian Life Insurance Company of America, established in 1860. It provides insurance and investment products directly to consumers. Guardian Direct offers dental insurance plans with no waiting periods, a wide network of dentists, and coverage for preventive care, basic procedures, and major services like orthodontics and implants. The cost and coverage of the plans vary based on various factors, such as location, age, and more. Guardian Direct provides its customers with a convenient online quote process, allowing them to compare plans and find the best option for their needs, including diabetes and dental care coverage. Overall, Guardian Direct offers dental insurance with a strong history, customizable plans, and an extensive network of providers.
Guardian Direct Pros And Cons
Pros of Guardian Direct:
- No waiting periods on multiple plans
- Coverage for a wide range of dental services, including preventive care, basic procedures, and major services like orthodontics and implants
- A wide network of dentists to choose from
- Convenient online quote process
Cons of Guardian Direct:
- The cost and coverage of the plans can vary based on several factors
- Annual maximums may apply
- Coverage amounts may be limited, especially for certain services.
Spirit Dental & Vision

Spirit Dental & Vision is a provider of dental and vision insurance. The company offers a range of insurance plans for individuals and families, covering preventive care, basic procedures, and major procedures such as implants. Policyholders have access to a network of participating dentists and vision care providers. Spirit Dental & Vision aims to provide affordable insurance options with comprehensive coverage. In addition to dental and vision insurance, the company also offers additional insurance products.
Spirit Dental & Vision Pros And Cons
Pros:
- No waiting periods on plans; coverage starts immediately
- Get a free quote online
- Major services like dental implants covered
Cons:
- Pre-existing conditions, including missing teeth, are not covered
- Graduated annual maximums; low annual coverage limits applied until the third year of coverage
Ameritas

Ameritas is a dental insurance company that provides coverage directly to consumers with a strong financial reputation, receiving an “A” rating from AM Best and an “A+” rating from Standard & Poor’s. Established in 1887, it has been offering dental insurance since 1959 and provides benefits from day one, with preventive visits covered at 100% when using an in-network provider. The cost and coverage of the plans vary based on several factors such as age, location, and more. The dental plans have annual maximums that can range from $1,000 to $2,500 and cover up to 20% of major procedures, like dental implants, in the first year and up to 50% after that. The cost of a plan for one person with a $2,500 maximum benefit and dental implant coverage is approximately $50 per month, depending on various factors.
Ameritas Pros And Cons
Pros:
- Several plans offer immediate coverage with no waiting period.
- Dental implants are covered up to the specified limit.
- Obtain a free quote online.
Cons:
- There are annual maximums in place.
- Coverage amounts in the first year are limited.
- The first year’s coverage amounts are low.
Cigna Dental

Cigna is a global health service company that provides dental insurance to individuals, families, and businesses. The company offers a range of dental insurance plans, including preventive care, basic procedures, and major services such as orthodontics and implants. Cigna has a large network of dentists, making it easy for its customers to find a provider near them. The cost and coverage of the plans vary based on several factors, such as location, age, and more. Cigna’s dental insurance plans are designed to provide comprehensive coverage, flexibility, and affordability, making it a popular choice for those looking for dental insurance. Overall, Cigna offers dental insurance with a global presence, a wide range of plans, and a large network of providers.
Cigna Dental Pros And Cons
Cigna Dental Pros:
- Comprehensive coverage options.
- Large network of dental providers.
- Affordable premium rates.
- Additional benefits such as orthodontic coverage.
Cigna Dental Cons:
- Limited coverage for some services.
- Limited provider network in some areas.
- Claim processing delays.
- Maximum coverage limits.
What Does Dental Insurance Cover for Implants?
Dental insurance plans vary in terms of what they cover. Some plans only cover basic procedures such as cleanings, fillings, and extractions, while others may cover more extensive procedures like implants. The extent to which dental insurance covers implants depends on several factors, including the type of insurance, the insurance company, and the policy itself.
Most dental insurance plans that cover implants will typically pay for a portion of the cost of the procedure. This amount can vary greatly, with some plans covering as little as 25% of the cost, while others may cover up to 80%. In addition, there may be limits on the number of implants that are covered per year, as well as the maximum amount that the insurance company will pay for the procedure.
It is important to note that dental insurance coverage for implants, including implant retained dentures, is typically an elective procedure, which is not considered a necessary or routine procedure. This means that insurance companies may require a waiting period before the procedure is covered, or may not cover the procedure at all.
However, there are dental insurance plans, including dental insurance that covers implants no waiting period, that offer immediate coverage for implants and some even offer 100 percent coverage. This means that there is no waiting period and the insurance company will pay for the entire cost of the procedure. If you are looking for dental insurance that covers implants immediately and 100 percent, it is crucial to thoroughly research your options and choose a plan that best suits your needs.
Cost Of Implants Without Dental Insurance
The American Dental Association reports that the average cost of a single dental implant without insurance can range from $3,000 to $4,500. If multiple implants are needed, the cost can soar to between $20,000 and $45,000. It’s important to keep in mind that dental implants involve multiple treatment steps, each with its own cost. For example, the cost of extracting a tooth, the implant itself, its placement in the jawbone, the abutment (which connects the implant to the crown), and the crown must all be considered. Additionally, a bone graft or sinus lift may be required, adding even more to the overall cost.
Cost Of Implants With Dental Insurance
The cost of dental implants with insurance depends on several factors, including the coverage provided by your plan, your deductible, and your maximum coverage limit. For example, if your plan covers 50% of the cost of dental implants and has a $2,000 annual coverage maximum, and the cost of your implant procedure is $3,000, your insurance plan will pay up to $1,500, and you will be responsible for the remaining $1,500.
Dr. Jaclyn Tomsic, a Cleveland-based oral and maxillofacial surgeon who specializes in implants, highlights the importance of being aware of additional costs beyond the surgical fee for implant placement. This includes the dentist’s fee for the crown and its replacement. Dr. Tomsic suggests spreading the dental implant work over two calendar years if your plan has annual coverage maximums so that the insurer will cover a portion of both the implant surgery and the crown.
To avoid any surprises, Dr. Tomsic recommends consulting with both an oral surgeon and a dentist. An oral surgeon can provide information about the surgical process and associated fees, while a dentist can discuss the restorative portion of the implant process and any associated costs.
How To ChooseThe Best Dental Insurance For Implants
Choosing the right dental insurance for implants can be a daunting task, as there are many options available in the market, each offering different coverage, benefits, and costs. However, with proper research and consideration of your needs, you can find the best dental insurance that suits your needs and budget. Here are some key factors to keep in mind while making a comparison of the top dental insurance for implants.
- Coverage: The first and most important factor to consider is the coverage offered by the insurance plan. Look for a plan that provides coverage for dental implants, as well as other related procedures such as extractions, bone grafts, and dental crowns. Some insurance plans also offer coverage for additional procedures such as sedation and general anesthesia.
- Network: The next factor to consider is the network of dentists and oral surgeons that the insurance plan covers. Make sure to choose a plan with a large network of providers, so you can have access to quality care and have more options for treatment.
- Deductible: The deductible is the amount you have to pay out-of-pocket before the insurance plan starts covering your expenses. Choose a plan with a low deductible, so you can save money on your treatment costs.
- Premiums: Premiums are the monthly or annual fees you have to pay for your insurance coverage. Choose a plan with reasonable premiums that fit your budget.
- Maximum Coverage Limits: Some insurance plans have maximum coverage limits, which means there is a cap on the amount of money the insurance company will pay for your treatment. Make sure to choose a plan with a high maximum coverage limit, so you can receive the full coverage you need.
- Waiting Period: Some insurance plans have a waiting period, which is the amount of time you have to wait before you can start using your coverage. Make sure to choose a plan with a short waiting period, so you can start your treatment as soon as possible.
- Customer Service: Good customer service is essential when choosing an insurance plan. Make sure to choose a plan with a responsive and helpful customer service team, so you can get the answers and support you need throughout your treatment.
In conclusion, choosing the best dental insurance for implants requires careful research and consideration of your needs. Keep these key factors in mind and make a comparison of the top dental insurance plans, so you can find the best plan that suits your needs and budget.
FAQ
The cost of full-mouth dental implants can vary depending on several factors such as location, the type of implants, the number of implants needed, the experience of the dental professional, and more. On average, full-mouth dental implants can range from $25,000 to $75,000 or more. It is recommended to consult with a dental professional for a more accurate estimate.
Dental implant insurance can provide financial benefits by reducing the cost of the procedure and offering comprehensive coverage. It can also provide peace of mind and incentivize maintaining dental health. However, the monthly premium must be considered in terms of cost-effectiveness.
Yes, some dental insurance plans cover both dental implants and dentures. However, the extent of coverage and the cost of the procedures can vary greatly depending on the specific insurance plan. It is important to review the terms of your dental insurance policy, including dental insurance that covers implants and dentures and discuss your options with your insurance provider and dental professional to determine what is covered and what is not.