What insurance covers dental implants?

Dental implants have become a preferred and effective solution for American citizens today to treat lost teeth and improve oral health. However, the cost of getting this process done must be expensive for many people. And some people are those who have a burden of loans and borrowings. Dental insurance plays a role in reducing or managing this expense. Here, we will know what insurance covers dental implants procedures in the USA and what the benefits of this coverage are.

Many dental insurance companies offer coverage that provides a base for crowns, bridges, and dentures, but there may be a waiting period. It is necessary to understand that dental insurance plans cover very little expense for dental implants in the first year.

The best dental insurance Companies for implants in 2024 is:

CompanyPolicy NameMonthly Cost
GuardianDiamond $58.40
Ameritas Primestar total$62.54
Spirit DentalPinnacle Network$54.69
Dental insurance Companies for implants

Which dental insurance has the best coverage?

We have already told you that it is essential to understand dental insurance plans well, and even more important is to understand what insurance covers dental implants provide. Hence, this gives you the advantage of spending according to your budget before getting dental implant treatment.

Understand the points mentioned below and contact your dental insurance company to learn and discuss them.

  • Waiting period for dental implants and dental care
  • Dental implant care percentage limit
  • Annual or lifetime benefits
  • Also, know that if you go outside and get services outside your dental plan provider network, it will cost you more.
  • These plans do not cover cosmetic procedures.
  • Also, ask that if you do not have any teeth present before taking out the dental policy, then dental implant treatment will not cover those teeth.
  • Whether your dental insurance company decides that the price of your dental implants is reasonable or not, the policy will cover your expenses.

How many types of dental insurance plans are there?

Dental insurance plans in America are divided into two parts:

  • Dental PPO (Preferred Provider Organization)

Through dental PPO plans, you can choose your favorite dentist. While a dental PPO allows you to choose your dentist, there may be limitations on coverage for dental implants.

  • Dental HMO (Health Maintenance Organization)

Dental HMO plans always come with more affordable premiums but require strong networks and limited coverage for most dental implants.

How do you get dental implants covered by medical insurance?

Let’s understand through points what insurance covers dental implants:

  • Coverage of dental implants:

Coverage limits for dental implants may vary depending on a life insurance policy. Some aspects of dental implant coverage are below:

  • Diagnostics and consultation

Most of the insurance plans cover the initial diagnosis and consultation fees for X-rays and examinations to determine the value of the dental implant.

  • Surgical stage

The surgical phase of the dental implant, which includes the cost of your implant placement, is covered by dental insurance. This step is necessary for the stability of the implant and the long-term success of the surgery.

  • Prosthetic Restoration

Insurance plans often cover dentures placed over the prosthetic phase, such as crowns, bridges, or implants, to ensure the restoration process is well-completed.

  • Annual maximums and waiting periods

However, dental insurance plans set annual coverage limits for the maximum amount paid for dental procedures in a year. You should know these limitations and whether they apply to dental implant procedures. Additionally, some insurance plans have a waiting period before covering other procedures with dental implants.

  • Pre-existing Condition

Dental insurance providers may already have different policies covering lost teeth. Some plans may cover dental implants for pre-existing conditions, so check your insurance policy and find out about the coverage from your insurance provider.

  • Alternative treatment options

Dental insurance plans may provide coverage for alternative treatments like dentures and bridges. Coverage limits for these options may vary depending on the insurance plan.

  • Out-of-budget spending

Along with taking dental insurance, the patient should know that he may also have to pay a part of the dental implant cost that may include deductions, co-payments, and any expenses that exceed your coverage limit for the year.

The best dental insurance plans in the USA in 2024:

AnthemBest dental Insurance for root canals and crowns
GuardianBest dental insurance for Dentures 
AmeritasBest dental insurance for older citizens on Medicare 
CignaBest dental insurance for Orthodontics
HumanaBest cheap dental insurance
Spirit DentalBest dental insurance for preventive care
Best dental insurance plans

Dental insurance in the US can help patients by covering the cost of dental implant procedures. But you should also be aware that coverage varies depending on life insurance, such as by checking the dental policy carefully, understanding the coverage details, and talking thoroughly with your dentist and insurance provider.

Getting prior approval from your insurance company for dental implant procedure coverage helps you manage your dental health and its expenses. By getting complete information about your insurance coverage, you will feel confident and clear in your thoughts regarding dental insurance.


How much does dental insurance cost?

A full-coverage dental insurance policy costs $49 per month. A good dental insurance plan costs about $24 per month.

How much do you pay for dental insurance?

This may depend on different reasons:
1. Your age
2. your gender
3. your state
4. The policy plan you chose
5. Your chosen plan
6. deductibles
7. the maximum policy you hold

What does dental insurance cover?

1. Preventive and routine care
2. Basic dental care
3. Major dental care

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