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 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.