We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info. Dental implants replace the root of your tooth with permanent, screwlike posts and artificial teeth that can look exactly like real ones. Dental implants feel and work just like natural teeth and are made to last for several decades. Dentures, by comparison, may need to be replaced after as few as five years. Dental insurance for implants may cover some or all of the associated costs. The best dental insurance for implants offers affordable options from companies with good reputations, have industry experience, and offer coverage tailored to your specific dental needs. Best Dental Insurance for Implants Best Dental Insurance for Implants Final Verdict Compare Providers How to Choose What Is Dental Insurance for Implants? What Does Dental Implant Insurance Typically Exclude? What Are the Expected Costs of Dental Implant Insurance? Is Paying for Dental Implant Insurance Worth It? Methodology Why We Chose It Delta offers multiple dental policies, is available nationwide, and provides quotes online. Pros and Cons Pros Dental implants covered by many plans Coverage tailored to your needs Cons Annual maximums and deductibles Pre-existing conditions not always covered 50% coverage for major procedures like dental implants Overview Delta Dental, founded in 1954, has grown into a well-known dental insurance provider that currently insures more than 80 million Americans. Plans are designed for individuals, families, retirees, and businesses. You can choose from among PPO, HMO, and Direct Dental Plans with varying coverage options and deductibles to accommodate your needs. Delta Dental plans vary in cost and coverage depending on where you live, but you can apply for a free quote online by heading to the Delta Dental website and entering your zip code in the site's Cost Estimator tool. There are three types of plans for individuals that you can purchase to cover implants: For a further example of pricing, we can look at the Delta Dental PPO Plan. This plan covers 100% of routine and preventive diagnostic procedures, 80% of basic procedures like fillings, root canals, and extractions, and 50% of major procedures like bridges and implants. Note that waiting periods, annual maximums, and deductibles apply, and these can drastically reduce the amount of coverage you can use toward implants. Not all policies cover pre-existing conditions such as missing teeth, so don't expect to be able to purchase insurance for dental implants if your teeth already are missing. The amount you will pay for a dental insurance plan with Delta Dental depends on where you live, your age, the number of people you need coverage for, and the plan you select. However, basic PPO plans can start at around $20 per month. Why We Chose It Denali Dental plans can be tailored to cover your needs, are available in many states, and the coverage amounts increase each year. Pros and Cons Pros Secure a higher level of coverage the longer you wait Major services like implants covered in both plans Tailor your dental insurance coverage Cons $6,000 maximum for individual and family plans Prices varied around the country Not available in 16 states Denali Dental has been insuring people for dental care for more than 60 years. This coverage is underwritten by Renaissance Life & Health Insurance Company of America, which boasts an "A" rating for financial strength from AM Best. This company offers two variations of coverage that includes dental implants: Implants are included in the major procedures category, which means you’ll have only limited coverage for this area of your dental health each year. Also, note that an annual maximum applies for individual and family plans and that a one-time lifetime deductible of $100 to $200 will apply as well, depending on the plan you have. The amount you’ll pay for a plan varies widely depending on who you’re buying coverage for, the plan you select, and where you live. The premium for an individual Denali Summit Plan can range from $51 to $116. Why We Chose It We chose Spirit Dental & Vision because coverage starts immediately, and there is no waiting period. 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, not covered Graduated annual maximums; low annual coverage limits applied until the third year of coverage Overview Based in St. Paul, Minn., Spirit Dental & Vision has been providing its services for more than 20 years. This coverage is underwritten by Ameritas Life Insurance Corp, which boasts an A rating from AM Best and an A+ rating from Standard & Poor’s for financial strength. Spirit Dental & Vision offers coverage that includes dental implants as well as other major services. A dental insurance plan for an individual with $1,200 in coverage the first year, $2,500 in coverage the second year, and $5,000 in coverage the third year and beyond can start at $60 per month.All plans have an annual deductible of $100. Spirit also is known for having coverage that doesn’t require a waiting period, although coverage for implants doesn’t apply to teeth that already were missing. Pricing varies depending on factors such as how many people are on your plan and where you live. Why We Chose It Ameritas offers plans for major procedures that provide coverage up to the limits, and you can get a free quote online. Pros and Cons Pros No waiting period on multiple plans Implants included up to coverage limits Free quote online Cons Annual maximums Limited first-year coverage amounts Low coverage the first year Overview Ameritas offers dental coverage directly to consumers with an A rating from AM Best and an A+ rating from Standard & Poor’s for financial strength. This company was founded in 1887 and started offering dental insurance in 1959. Benefits start from day one with many of its insurance plans, and preventive visits are covered at 100% when you use an in-network provider. Like other providers, however, Ameritas offers plans that vary widely in terms of coverage and cost depending on your age, where you live, and other factors. Annual maximums apply to the company dental insurance plans, which may be as low as $1,000 and up to $2,500, based on the quotes we received. Also, its dental plans cover up to only 20% of major procedures such as dental implants for the first year and up to 50% after the first year. Cost depends on an array of factors, but a dental plan for one person with a maximum benefit of $2,500 per year, including dental implants, can be around $50 per month. Why We Chose It Cigna is a highly rated company with two group plans for employers to offer that cover implants. Pros and Cons Pros Strong financial ratings Well-known company Premier group benefits plan Cons Limited plan details available on website Implants not covered by all plans Implant limits Overview When it comes to group dental insurance coverage, it’s hard to beat Cigna Dental. Coverage that includes dental implants is available for employers to purchase for their employees, and it comes in two forms: The exact benefits are difficult to obtain since these are group plans implemented by employers and quotes are not available. Employers must connect with an insurance agent to determine how much it will cost for each employee. Some limitations apply to implants, including that you are limited to one replacement of a crown, inlay, or prosthesis over an implant every five years. The surgical addition of an implant is also limited to one per year, and the replacement of current dental implants is limited to one every 10 years. All of our best dental insurance providers for implants have different pros and cons. Some have large networks of nationwide providers and others offer tailor-made policies. Some companies are backed by larger insurance companies with strong financial ratings and others offer low deductibles. Overall, we recommend checking out Delta Dental Insurance. The company offers four different plans for implants, is available nationwide, and you can apply for a free quote online. It’s always a good idea to explore your options to determine if dental insurance for implants is the way to go for you. First, assess your needs and determine if implants are the best choice or if you should consider some other options such as dentures. Then, get some prices for implants with and without insurance. Dental insurance that covers 50% of your implants still may save you thousands of dollars. It’s important to shop around and compare the different plans and companies so you know that you’re getting the coverage you need at the best available price. When comparing dental insurance for implants, you want to get a fair comparison, so compare and contrast deductibles, monthly payments, services and procedures covered, waiting periods, and in-network providers. Make sure coverage is offered in your state and research the company’s reputation, reviews, and ratings. There are several important consideration points to keep in mind when choosing dental insurance for implants. Consider how easy it is to apply, get a quote online, how you can manage your account, and if the company offers any extra perks or discounts. Keep the following in mind when choosing dental insurance for implants: Dental insurance for implants is important because many basic dental insurance policies don’t cover major procedures or surgery to replace newly missing teeth. Since dental implants are expensive, having that extra coverage for a percentage of the cost can help make dental implants considerably more affordable. There are two main types of dental implants. According to the American Academy of Implant Dentistry, endosteal implants are placed in the jawbone, and subperiosteal implants are placed under the gum but above the jawbone. Endosteal implants often are preferred, but subperiosteal implants make more sense for patients who don’t have enough healthy jawbone and don’t want to endure another procedure to improve their jawbone strength for endosteal implants. Dental insurance typically excludes procedures for cosmetic procedures such as teeth whitening and complicated oral surgeries that need to be handled in a hospital setting. While the insurance plans we highlighted do cover dental implants, it’s important to consider how much this coverage will help. Many dental insurance plans have annual maximum limits of a few thousand dollars, which will cover only so much when you’re planning a pricey dental implant procedure. Deductibles also can apply, as well as coinsurance or copayments that require you to pay more out-of-pocket outside of your monthly insurance premiums. Many dental implant insurance policies won’t pay for implants for teeth that already are missing when you sign up. In the same way that you can’t buy homeowners insurance once your house is already on fire, you can’t buy dental implant insurance for teeth that already are missing. How much you’ll pay for dental insurance depends on how much coverage you want, your age, and other factors. Also, on top of your monthly insurance premiums, you may need to pay coinsurance or copayments when you visit a dentist, and you’ll likely face an annual out-of-pocket maximum for coverage. Each plan covers a percentage of preventive, basic, and major procedures, after which you’ll pay out of pocket. For example, the least expensive plan, Denali Ridge, covers 100% of preventive care but only 80% of diagnostic care and 50% of major dental work. Note that deductibles also apply for these plans and could range from $100 to $200 or more, depending on the plan you select. Paying for dental insurance with the hope of getting coverage for dental implants can be worth it, but it all depends on your unique situation and how much dental work you need. With annual maximums on policies coming in as low as $1,000 in some cases, it’s important to make sure you select a dental insurance plan that offers enough coverage to actually help with the cost of dental implants. Many policies cover only a percentage of major services, so you’ll need to be prepared to pay for the rest of your implant surgery yourself. Having some coverage is usually better than having none. Plus, dental insurance can kick in to pay for preventive care like cleanings and X-rays, as well as any fillings work you need to be done over the course of the year. Before you pay for a dental insurance plan, make sure to shop around among plans to find the best deal. You should look for a plan with a high annual maximum coverage amount, low copayments and out-of-pocket costs, and a monthly premium you can afford. When carefully selecting the best dental insurance for implants, we compiled a list of the top 20 dental insurance plans to find companies that offer coverage for dental implants. We compared waiting periods, the annual maximum coverage amounts, and evaluated if those amounts were fair and reasonable. We looked for dental insurance providers that boast strong independent rankings for solid financial strength and a good industry reputation for quality service. Lastly, we assigned categories to the best dental insurance for implants companies. Article Sources Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in oureditorial policy. PR Newswire. "AM Best Affirms A (Excellent) Ratings for U.S.-Based Renaissance Benefits Insurance Companies." Standard & Poor's. "RatingsDirect: Ameritas Life Insurance Corp." AM Best. "AM Best Affirms Credit Ratings of Ameritas Life Insurance Corp. and Its Subsidiary." American Academy of Implant Dentistry. "Types of Implants & Techniques." Related ArticlesBest Dental Insurance for Implants of 2022
Best Overall : Delta Dental Insurance
Runner Up, Best Overall : Denali Dental
Overview
Best for No Waiting Period : Spirit Dental & Vision
Best Value : Ameritas
Best Group Benefits : Cigna Dental
Final Verdict
Compare the Best Dental Insurance for Implants
Company Plans (#) Coverage Limit Deductible Providers In-Network Waiting Period Delta Dental Insurance Best Overall 3 Varies Varies Enter zip code to find providers Usually 12 months Denali Dental Runner Up 2 $6,000 $100-$200 Contact for details None Spirit Dental & Vision Best for No Waiting Period Multiple Up to $5,000 $100 Contact for details None Ameritas Best Value Multiple $2,500 Varies Enter zip code to find providers None on some plans Cigna Dental Best Group Benefits 2 Varies Varies Contact for details Contact for details Guide to Choosing the Best Dental Insurance for Implants
Do You Need Dental Insurance for Implants?
Comparing Dental Insurance for Implants
Choosing Dental Insurance for Implants
What Is Dental Insurance for Implants?
What Does Dental Implant Insurance Typically Exclude?
What Are the Expected Costs of Dental Implant Insurance?
Is Paying for Dental Implant Insurance Worth It?
Methodology
FAQs
What makes dental implants medically necessary? ›
When you need to preserve a diseased tooth with proper oral hygiene, and it hasn't helped, dental implants can be considered medically necessary. There are a few reconstructive dental services that we can bill to your insurance that will be covered, such as extraction or orthodontic services for fractured teeth.
Can you insurance your dental implants? ›Although this will be dependent on your insurance provider, cosmetic dentistry is not usually covered by dental insurance. As is the case with most dental coverage plans, insurance tends not to cover implant dentistry. This is down to the argument that there are cheaper methods to replace missing teeth.
What is some of the best dental insurance? ›- Best Overall: Cigna.
- Runner-Up, Best Overall: Renaissance Dental.
- Best for No Waiting Periods: Spirit Dental.
- Best Value: Humana Dental Insurance.
- Best for Families: UnitedHealthOne Dental Insurance.
- Best for Seniors: Physicians Mutual.
- Best for Orthodontics: Delta Dental.
Again, titanium is the best dental implant materials because it is biocompatible. This means it is right and closely matched the human body. It can also fuse with the human bone. The two pieces system allows for a customizable implant that solves low bone deficiencies.
Does Medicare ever pay for dental implants? ›The Medicare law doesn't allow for coverage of dental care or services needed for the health of your teeth, including cleanings, fillings, dentures and tooth extractions. This also includes dental implants.
Why are tooth implants not covered by insurance? ›Implants also don't qualify as a cosmetic treatment, even though no other tooth replacement looks and feels more like natural teeth. The main reason that insurance companies will not cover dental implants is the cost. Remember, an insurance company is just like any other business; its primary goal is to make money.
Does my Cigna dental Plan cover implants? ›As of 2022, plans with surgical dental implant coverage are available. Prior authorization may be required for certain specialty care treatments like dental implants. Only those procedures that are medically necessary and listed on the plan's Patient Charge Schedule (PCS) are covered.
Can you get government grants for dental implants? ›The NHS doesn't usually pay for dental implant treatment although there are exceptions to this. They will pay for implants if the patient shows that there is a clear medical need. In other words, they will not pay for something which you have chosen to have for lifestyle reasons.
What are the 3 types of dental implants? ›There are three common types of dental implants that you can choose from Endosteal, subperiosteal, and zygomatic. Endosteal is the safest and most common, followed by subperiosteal, and then zygomatic being the last and most complex. It is rarely used.
How much is a full set of dental implants? ›Full Mouth Implants
The cost for this type of implant-supported dentures can vary from $7,000 to $90,000. The average cost for full mouth implants is about $34,000. A top or bottom set of dentures can cost about $3,500 to $30,000. Full mouth dental implants are strong and secure.
What is the best dental insurance for low income? ›
- Careington. Careington Dental Insurance isn't technically insurance — it's a dental savings plan. ...
- Dentalplans.com. ...
- UnitedHealthcare. ...
- Medicare. ...
- Medicaid. ...
- Indemnity Plans. ...
- Preferred Provider Organizations (PPOs) ...
- Table or Schedule of Allowances.
Dental services
Medicare doesn't cover most dental care (including procedures and supplies like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices). Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
- Smiles for Everyone. Smiles for Everyone has a mission to provide free dental care to those in need, both in the US and around the world. ...
- The Dental Lifeline Network. ...
- Dentistry from the Heart. ...
- Missions of Mercy. ...
- Give Kids a Smile. ...
- America's Dentists Care Foundation. ...
- Give Back a Smile. ...
- Medicaid.
- Best for size of dental network: UnitedHealthcare.
- Best for comprehensive coverage: Cigna & Aetna (tie).
- Best for member satisfaction: Kaiser Permanente.
- Best for low-cost plans: Humana.
The procedure itself takes 1 to 2 hours and the healing time is 3 to 6 months. During this time the titanium alloy (the same material used in joint replacement) implant will heal around and merge with the surrounding bone tissue.
Are dental implants worth it? ›In the longer term, dental implants can be a cost-effective solution, and of course, they'll look and feel fantastic. Regular maintenance is essential, and you must see your dentist for dental examinations and hygiene appointments. It's crucial to make sure you brush at least twice daily, and you floss once-a-day.
Does insurance cover bone graft? ›Traditional dental insurance typically covers bone grafts if they are medically necessary, but rarely covers dental implants or related procedures. Dental saving plans, on the other hand, often do cover implants.
Are veneers covered by insurance? ›Note that veneers are expensive, and the procedure isn't usually covered by dental plans. Before you decide to get veneers, have your dentist request a pre-treatment estimate from Delta Dental with proper documentation (written and x-ray evidence) to explain why a veneer was recommended.
What is a flipper tooth? ›A flipper tooth is a removable retainer that fits along the roof of your mouth (palate) or sits on your lower jaw, and has one or more prosthetic teeth attached to it.
Does Cigna dental have a missing tooth clause? ›Missing Tooth Limitation For teeth missing prior to coverage with Cigna, the amount payable is 50% of the amount otherwise payable until covered for 12 months; thereafter, considered a Class III expense.
Does Cigna Cover tooth extraction? ›
Non- Participating Providers can bill you for amounts exceeding Covered Expenses. Benefits covered by your Dental Plan include Preventive & Diagnostic Care such as Oral Exams, Cleanings and X- Rays. Your Plan also includes Basic Restorative Care such as fillings and simple extractions.
How much is a full set of dental implants in Turkey? ›...
How much are dental implants in Turkey?
Treatment and cost compare | Dental Implant Cost in the US | US Dental Implant Cost in Turkey |
---|---|---|
Total Cost | $ 3750 | $ 650 |
There are No Federal Grants for Dental Implants
If you see any kind of discussion about there being federal programs to cover the cost of dental work, it's not legit.
The All on 4 dental implants technique places a complete row of fully functioning replacement teeth on just four implants. This life-changing procedure gives you a permanent and secure replacement for dentures for your upper and/or lower jaw, and can last you a lifetime.
How many teeth can you put on one implant? ›An implant is rarely used to replace multiple teeth on its own, but it can be combined with another to replace up to six teeth. That means an implant on its own can support a max of three artificial teeth.
What is the most commonly used dental implant? ›Endosteal implants
This is the most common type of dental implant. It's shaped like a small screw, cylinder, or blade. It goes in your jawbone and holds one or more replacement teeth, which are also called prosthetic teeth. Your doctor may recommend an endosteal implant if you already have dentures or bridges.
With the aid of new, breakthrough technology, dentists now have access to antibacterial dental implants. During fabrication, the implant is coated with a gel made from silica and antibacterial agents. In addition to preventing bacteria growth, the materials used encourage osseointegration (bone fusion).
Are dental implants considered a medical procedure? ›Dental implants are medical devices surgically implanted into the jaw to restore a person's ability to chew or their appearance. They provide support for artificial (fake) teeth, such as crowns, bridges, or dentures.
Are dental implants necessary? ›Dental implants are not always necessary, but they can be a good option for people who are missing one or more teeth. Implants can provide support for artificial teeth (called crowns) and help keep your mouth healthy. If you have tooth loss that is not severe, you may be able to get by with a dental bridge or dentures.
Does Medicaid cover dental implants in Colorado? ›Does Medicaid Cover Dental Implants in Colorado? Colorado offers limited dental care coverage under the Medicaid program. Implants usually aren't covered unless they are medically necessary.
Does Virginia Medicaid pay for dental implants? ›
All states cover dental implants through Medicaid when adult patients have a medically necessary reason.
What they don't tell you about dental implants? ›Dental implants are secured permanently to your jawbone; hence, they can't fall off. The Procedure Is Quite Painless- Having titanium on your jawbone sounds painful; however, the procedure causes little pain. There is minimal post-operative pain, and you can go back to work in a relatively short time.
What are the 3 types of dental implants? ›There are three common types of dental implants that you can choose from Endosteal, subperiosteal, and zygomatic. Endosteal is the safest and most common, followed by subperiosteal, and then zygomatic being the last and most complex. It is rarely used.
How long does dental implant surgery take? ›The procedure itself takes 1 to 2 hours and the healing time is 3 to 6 months. During this time the titanium alloy (the same material used in joint replacement) implant will heal around and merge with the surrounding bone tissue.
When should you not get dental implants? ›If you have suffered from diabetes or leukemia you may not be an ideal candidate for dental implants. Or, if you have had radiation to the head or neck. These illnesses can slow down the healing process after dental implant surgery. Your dentist can evaluate each individual patient and decide on a case to case basis.
Can you get a temporary tooth while waiting for an implant? ›There are many options for temporary tooth replacement while you wait for your implant post to heal and your bone to integrate with it. If you have any questions about how dental implants work, or if you are a viable candidate for the procedure, speak to our expert dentist.
Can dental implants cause problems years later? ›This procedure has a success rate, and the implants can last for a lifetime with proper care. However, occasionally, something may go wrong, and you can develop an infection years later. One of the most common dental implant complications is peri-implantitis, an infection that affects the gum tissue.
How can I get a free dental makeover? ›- Smiles for Everyone. Smiles for Everyone has a mission to provide free dental care to those in need, both in the US and around the world. ...
- The Dental Lifeline Network. ...
- Dentistry from the Heart. ...
- Missions of Mercy. ...
- Give Kids a Smile. ...
- America's Dentists Care Foundation. ...
- Give Back a Smile. ...
- Medicaid.
Household Size* | Maximum Income Level (Per Year) |
---|---|
1 | $18,075 |
2 | $24,353 |
3 | $30,630 |
4 | $36,908 |
For a dental implant on a single tooth, you can be charged somewhere between $1,000 and $4,000. The median cost for a dental implant is $2,500. Given that the procedure runs smoothly and that you won't need additional dental repairs, getting a whole mouth of dental implants will set you back around $25,000.