Dental Implant Insurance: What You Need to Know

Does insurance cover dental implants? In short, yes. Many insurance companies offer plans that help pay for implants but these plans often come with limitations and restrictions.

While other insurers might only provide partial coverage for implants and major services, or impose long waiting periods that can delay your procedure, Spirit Dental does things differently. You can find comprehensive plans without waiting periods, so major services are covered from the first month.  

How much do dental implants cost without insurance?

Dental implants are expensive. On average, a single implant might cost more than $2,000. The procedure involves multiple appointments, and there are costs associated with any exams and dental care you receive before and after you get the implant. It adds up fast!

Prices for dental implants vary based on several factors including:

  • Your location
  • The dental professional you use
  • The type of implant received
  • The tooth being replaced
  • Whether or not an extraction is needed
  • Other procedures required 


Are dental implants covered by insurance? Choosing the right plan is key

How much can you save when you’re enrolled in dental insurance with implant coverage? Well, it depends on the plan you sign up for, as well as the out-of-pocket fees you’ll be responsible for (e.g., copay, deductible, coinsurance). 

A basic dental plan might not cover implants. Also, some plans might have pre-existing condition exclusions that could make you ineligible for implant coverage. And there might be limitations based on whether or not an implant is considered cosmetic—if an implant is classified as a cosmetic treatment that isn’t covered, you’d have to pay for it all out of pocket. 

What insurance covers dental implants?

Look for dental plans that specify they cover major services, including implants. These can give you the support you need for a variety of procedures, and might even help you save upwards of 50%. Considering how expensive implants can be, you may save hundreds or thousands with a policy that covers them.  

Remember, there are several steps involved in getting an implant, so you need to think about more than just the cost of the procedure, anesthesia, and implant itself. In addition to exams, you might need X-rays, a bone graft, gum treatment, or a tooth extraction. If you want to get as much support as possible in most or all of these areas, it’s best to enroll in a comprehensive plan that covers a range of basic and major services. 

Use Spirit Dental to get dental implants covered by insurance

With Spirit Dental, you can receive valuable support when paying for one or more implants. Plus, we can help you afford the appointments and treatments you might need before and after the procedure. 

Our Choice and Network plans are perfect for those who want to get the highest quality dental care at a reasonable price. You can find coverage that fits your budget, and we offer guaranteed acceptance

On top of that, you can start using your insurance right away, without worrying about annoying waiting periods. Plus, our plans have a one-time $100 deductible, along with annual maximums as high as $5,000.

Note: Spirit doesn’t cover implants for teeth that are missing prior to enrolling in a policy. 


How to get dental implants covered by medical insurance  

Dental implants might be covered by your health insurance if the procedure is medically necessary.  

What makes dental implants medically necessary? Well, if you lost a tooth in an accident or because of a serious illness, as a couple of examples, your health insurance might step in and help cover the cost of getting an implant. 

Whether or not your medical insurance will help depends on the type of plan you’re enrolled in. If this insurance won’t provide the amount of support you need, don’t worry. You can enroll in a dental plan at any time of the year. And you might be able to use the medical and dental plans together to reduce the amount you’ll be responsible for. 

What if you don’t have dental implant insurance? 

If you don’t have the right coverage, you might be able to afford this procedure by asking your dentist about payment plans or financing options. Or, you might be reimbursed after you pay for an implant if you have a dental indemnity plan. 

Also, if you need an implant for a medical reason, you might be reimbursed with the help of a health reimbursement arrangement (HRA), flexible spending account (FSA), limited care flexible spending account (LCFSA), or health savings account (HSA).   

Want to get dental insurance that covers implants? Spirit Dental has the plan for you

Consider signing up for a Spirit Dental plan that covers implants and major services, as well as preventive care and basic services. Get a free quote online, and if you like what you see, you can apply right away. It only takes a few minutes.

Have questions about our plans? Contact us anytime to get the answers you need. 



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