How to Get Dental Implants Covered by Insurance?
Dental implants are a long-term solution for missing teeth, but they can be expensive. Many patients wonder, how to get dental implants covered by insurance to reduce out-of-pocket costs.
The average cost of a single dental implant ranges from $3,000 to $6,000, and full-mouth implants can cost $20,000 to $50,000. Unfortunately, most dental insurance plans classify implants as a cosmetic procedure, meaning coverage is limited.
However, there are ways to get dental insurance to pay for implants—from choosing the right policy to leveraging medical insurance for specific cases.
This guide explains how to maximize insurance coverage for implants, find affordable alternatives, and explore financing options.
Does Dental Insurance Cover Implants?
Most standard dental insurance plans don’t fully cover implants because they are considered elective procedures. However, some plans partially cover implant-related procedures, such as:
✔ Tooth extractions before implant placement
✔ Bone grafting (if necessary for jawbone support)
✔ Abutments and crowns placed on the implants
Check with your insurance provider to see if they cover any implant-related costs.
How to Get Dental Insurance to Pay for Implants
Although most plans don’t cover implants directly, here are strategies to maximize your insurance benefits:
1. Choose a Dental Insurance Plan That Covers Implants
Some premium dental plans offer partial coverage for implants.
Look for plans that include:
✔ 50% coverage on major procedures (including implants)
✔ Annual maximums of $1,500 or more
✔ No waiting periods or exclusions on implants
Recommended Dental Insurance Providers That Cover Implants:
- Delta Dental PPO – Covers 50% of major procedures after the deductible.
- Cigna Dental 1500 – Offers partial implant coverage with an annual maximum.
- Aetna PPO Plans – Some higher-tier plans include implant benefits.
2. Use Your Medical Insurance for Implant Coverage
In some cases, medical insurance may help pay for implants if they are needed due to:
✔ Tooth loss from an accident or injury
✔ Severe infection requiring tooth extraction
✔ Bone loss that affects jaw function
Check your medical policy for coverage on oral surgeries and reconstructive procedures.
3. Get a Pre-Approval & Submit an Insurance Claim
Before scheduling an implant procedure:
✅ Ask your dentist for a pre-treatment estimate
✅ Submit a claim to your insurance provider
✅ Provide documentation showing medical necessity
Pre-approval increases your chances of getting some coverage for implant-related costs.
Ways to Save on Dental Implants Without Insurance
If your insurance won’t cover implants, here are cost-saving options:
1. Join a Dental Membership Plan
A dental membership plan provides discounted implant procedures without insurance.
✅ Save 30-50% on implants and related treatments
✅ No waiting periods, deductibles, or annual limits
✅ Immediate access to lower costs
Example Savings: A single dental implant that costs $5,000 could be reduced to $3,500 with a membership plan.
Find an affordable dental membership plan at The Patient Marketplace.
2. Use Flexible Financing & Payment Plans
Most dentists offer financing to make implants more affordable.
✔ CareCredit – 0% interest for qualified applicants.
✔ Sunbit – Low-interest monthly payment plans.
✔ In-house financing – Some dentists allow low monthly payments.
Ask your dental provider about financing options to spread out the cost.
3. Visit a Dental School for Discounted Implants
Dental schools offer discounted implant procedures performed by students under professional supervision.
✔ Savings of 30-60% compared to private dental offices
✔ High-quality care at a lower price
4. Consider Mini Dental Implants
If traditional implants are too expensive, mini dental implants cost half as much and require less invasive surgery.
✔ Faster healing time and lower cost
✔ Best for small teeth or areas with limited bone
Ask your dentist if you’re a candidate for mini implants to save on treatment.
Why Dental Implants Are Worth the Investment
While dental implants are expensive, they offer long-term benefits that outweigh the initial cost.
✅ Permanent solution for missing teeth
✅ Prevents bone loss and facial sagging
✅ Improves chewing, speaking, and confidence
✅ No slipping or discomfort like dentures
Unlike bridges or dentures, implants can last a lifetime with proper care!
Success Story: How One Patient Got Insurance to Cover Implants
Meet Lisa, a 48-year-old who lost a front tooth in an accident. Initially, her dental insurance wouldn’t cover implants, but her medical insurance partially covered the cost due to the accident.
Initial Cost Estimate: $6,000 for a single implant.
Her Solution: Lisa’s dentist submitted a claim under her medical insurance, and she used CareCredit to cover the rest.
Final Cost: $2,500 total—a 60% savings!
“I thought implants were out of reach, but by using my medical insurance and financing, I made it affordable!” – Lisa, 48
FAQs About Getting Dental Implants Covered by Insurance
Will dental insurance pay for implants?
Most basic dental insurance plans don’t cover implants, but some premium plans provide partial coverage.
How do I get my medical insurance to cover implants?
Your medical insurance may cover implants if they’re needed due to an accident, infection, or reconstructive surgery.
Can I use both dental and medical insurance for implants?
Yes! You can combine benefits from both policies to reduce out-of-pocket costs.
Where can I find affordable dental implants?
Check The Patient Marketplace for discounted membership plans at trusted dental offices.
Final Thoughts: Get Dental Implants Covered & Save on Costs
Dental implants are a major investment, but insurance and cost-saving strategies can make them more affordable.
How to Get Dental Implants Covered by Insurance:
✔ Choose a premium dental plan that includes implants
✔ Use medical insurance if implants are medically necessary
✔ Join a dental membership plan for major discounts
✔ Explore financing and payment plans
Want affordable dental implants? Visit The Patient Marketplace to find cost-saving options today!
