Introduction
Are you searching for dental plans that cover implants? If so, you’re not alone. Dental implants are the gold standard for tooth replacement, but they come with a hefty price tag—often between $3,000 to $5,000 per tooth.
The good news? Some dental plans do cover implants—either fully or partially. Additionally, membership plans, financing options, and alternative insurance solutions can help reduce costs. In this guide, we’ll break down the best ways to get dental implants covered, even if your insurance doesn’t include them.
Why Are Dental Implants So Expensive?
Before we dive into dental plans that cover implants, let’s explore why implants cost so much:
✔ Surgical Procedure: A trained specialist performs implant surgery.
✔ High-Quality Materials: Titanium and zirconia implants are durable but costly.
✔ Additional Procedures: Some patients need tooth extractions, bone grafts, or sinus lifts before getting implants.
✔ Advanced Technology: 3D imaging, custom abutments, and lab fees add to the cost.
Since most traditional dental insurance plans don’t fully cover implants, finding the right plan or payment option is crucial.
Types of Dental Plans That Cover Implants
1. PPO Dental Insurance Plans
Some Preferred Provider Organization (PPO) plans offer partial coverage for implants but often include:
✅ Waiting periods (usually 6-12 months)
✅ Annual maximum limits (typically $1,000–$2,000 per year)
✅ Coverage for only parts of the procedure (like the implant crown, not the post)
Tip: Check if your PPO plan covers implant-related procedures like extractions and bone grafting.
2. Full-Coverage Dental Insurance Plans
Some premium dental insurance plans include partial or full coverage for implants. However, they:
❌ Require higher monthly premiums
❌ May have strict eligibility requirements
❌ Often cap coverage per year
3. Dental Discount & Membership Plans
If your insurance doesn’t cover implants, a dental membership plan is an excellent alternative. These plans provide:
✔ Discounted implant procedures (20–50% off)
✔ No deductibles, claim forms, or waiting periods
✔ Lower monthly costs compared to traditional insurance
Find a dentist offering membership plans at The Patient Marketplace.
4. Medicare & Medicaid
- Medicare: Does not cover implants unless medically necessary.
- Medicaid: Limited implant coverage in some states.
5. Employer-Sponsored Dental Plans
Some company health plans include dental implant coverage—check your employee benefits package for details.
How to Save on Dental Implants With & Without Insurance
1. Maximize Your Insurance Benefits
To get the most from your dental insurance:
✅ Use your annual maximum wisely
✅ Split treatment over two years to double your coverage
✅ Request a pre-treatment estimate to avoid surprise costs
2. Explore Dental Implant Financing Options
If dental plans that cover implants aren’t available, financing can help. Popular options include:
- CareCredit – 0% interest financing for up to 24 months
- LendingClub – Low-interest installment plans
- Proceed Finance – Long-term repayment options (up to 96 months)
3. Visit a Dental School for Low-Cost Implants
Many dental schools offer affordable implant procedures, performed by students under expert supervision—often at 50% off regular prices.
4. Consider Dental Tourism
Some patients travel abroad for low-cost dental implants. Popular destinations include:
- Mexico (Tijuana, Cancun)
- Costa Rica
- Thailand
Research clinics thoroughly before traveling for treatment.
Real-Life Success Story: How Lisa Saved 40% on Dental Implants
Lisa, a 50-year-old teacher, was shocked by the $6,000 cost of one implant. Since her insurance didn’t cover implants, she explored other options.
✔ Joined a membership plan and saved 30% on her procedure
✔ Used a 0% interest payment plan to split the cost over 18 months
✔ Scheduled treatment over two years to maximize her insurance benefits
“Without a dental membership plan, I wouldn’t have been able to afford my implants. Now, I can smile confidently!” – Lisa
Want to save on dental implants? Visit The Patient Marketplace today!
Common Myths About Dental Plans & Implants
1. “All Dental Insurance Covers Implants”
False! Most standard plans exclude dental implants but may cover related procedures.
2. “You Have to Pay for Implants Upfront”
Not true! Many payment plans and financing options make implants affordable.
3. “Dental Membership Plans Aren’t Worth It”
Wrong! Membership plans often provide significant discounts on major procedures, including implants.
FAQs About Dental Plans That Cover Implants
Which dental insurance covers implants?
Some PPO and full-coverage plans offer partial implant coverage.
How much do implants cost with dental insurance?
If partially covered, implants may cost $1,500–$3,000 per tooth instead of $3,000–$5,000.
Are payment plans available for dental implants?
Yes! Many dentists offer 0% interest financing for up to 24 months.
Can I use HSA or FSA funds for dental implants?
Absolutely! Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) allow you to use pre-tax dollarsfor implants.
Do dental discount plans cover implants?
Yes! Many membership plans offer 20–50% savings on implants.
Final Thoughts
If you’re looking for dental plans that cover implants, options are available—whether through insurance, membership plans, or financing. Even if traditional insurance doesn’t fully cover implants, you can reduce costs through discount plans, employer benefits, and flexible payment options.
Ready to find an affordable dental implant solution? Visit The Patient Marketplace today!
