Are Dental Implants Covered by Insurance?

Sometimes, an event occurs in someone’s life that results in a tooth or multiple teeth becoming unusable or otherwise in need of replacement. In this case, a patient will typically seek out a dentist to have dental implants placed into their mouth.

It’s a straightforward procedure that involves placing a metal post into the gums that is given time to set into the jaw bone, and from there, a false tooth that looks and works just like the real thing is placed on top. The question is though, just how much do dental implants cost? Depending on where you are receiving your service, a single dental implant can range from $1500 to $8000, not chump change by any means.

However, receiving dental implants is essential to returning normal function to your life in the departments of eating and being able to smile without any insecurity. So, is there a way insurance will cover the procedure?

Insurance Companies & Dental Implants

Most run of the mill medical insurance companies will refuse to cover dental implants in their basic plans as they consider them to be an elective and “cosmetic” procedure. Anyone who actually needs a dental implant knows that that is far from the truth, but it doesn’t mean they’re out of options.

There are ways to have the entirety or at least a major portion of the surgery covered so long as proper due diligence is done beforehand.

Typically, teeth that are entirely missing before the policy was purchased aren’t eligible whatsoever to be covered by any insurance plan.

Types Of Insurance To Look For

Indemnity Dental Insurance

One method of having your implants subsidized is to look for indemnity dental insurance, although this is only a route you can take if you can afford to pay out of pocket initially and then have some of the procedure reimbursed to you at a later date.

Dentists are very flexible and can make a payment plan while you wait for the insurance company to review your claim. A deductible is paid on the insurance, and then the insurance company will pay for a portion of the surgery ranging from 50-80% of the average costs and 100% of the preventative care.

It’s essential that you do your research and know exactly what kind of dental implant procedures will be covered before you go all the way, as you don’t want to be saddled with a massive bill after discovering they don’t want to cover your dental implants due to a technicality.

Specific Dental Insurance

There are insurance providers that offer plans that cover all aspects of dental care from cleaning to bridges to inlets, and even dental implants themselves. These plans all come with a monthly premium, and the most commonly chosen companies have something in the realm of a $100 deductible.

The only implants they won’t cover are those for teeth that are already missing before the policy comes into effect.


In short, if you think you might need dental implants in the near future or that it’s highly likely some harm might come to your teeth in the coming years, it’s recommended that you get specific insurance that covers dental implants far before the teeth show any signs of needing the surgery. The premiums are usually quite agreeable, and you could end up saving yourself thousands of dollars when you need it most.

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