Dental Insurance That Covers Implants Immediately

Does insurance cover dental implants? In short, yes. Many insurance companies offer insurance plans covering dental implants, but these plans often have 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, covering major services from the first day of your dental plan’s start date. We offer affordable dental insurance that covers implants immediately.  

Use Spirit Dental to get dental implant insurance

Our dental plans that cover implants offer valuable support whether you're paying for one or more implants. Plus, our dental implant insurance plans 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 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 because we provide dental insurance with no waiting period. Plus, our plans have a one-time $100 deductible and annual maximums as high as $5,000.

Note: Spirit doesn't cover implants for teeth that are missing before enrolling in a policy.

How to get dental implants covered by medical insurance 

There are some health insurance plans that cover dental implants, but usually only under specific circumstances. Your health insurance might cover dental implants 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 severe 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 doesn’t provide the amount of support you need, don’t worry. You can enroll in dental plans that cover implants 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 insurance that covers implants?

If you don't have dental insurance that covers implants, you might be able to afford the 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).

Frequently asked questions about dental insurance that covers implants

If you need dental implants, you may have questions about dental insurance that covers implants. At Spirit Dental, we know how important it is to have dental insurance that covers dental implants, so we have answered a few of the most common questions we hear about 

Are dental implants painful?

Dental implant procedures are typically performed under local anesthesia, so you should not feel pain during the procedure. However, some discomfort and swelling may occur after the procedure, which can be managed with over-the-counter pain medications or as prescribed by your dentist.

Your dentist or oral surgeon will provide instructions on managing any discomfort or pain after the procedure. It's important to follow these instructions and communicate with your dental provider if you experience severe or prolonged pain.

How much do dental implants cost?

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?

Yes, dental implants are covered by some insurance plans, but choosing the right plan is key. How much can you save when enrolled in dental insurance that covers implants? Well, it depends on the dental implant insurance 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 offer major restorative dental insurance, including implants. These can give you the support you need for various procedures and might even help you save up to 50%. Considering how expensive implants can be, you may save hundreds or thousands of dollars with a policy that covers them.

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

Is there a downside to dental implants?

While dental implants are generally considered a safe and effective tooth replacement option, there are some potential downsides to be aware of:

  • Cost: Dental implants can be more expensive compared to other tooth replacement options, such as dentures or dental bridges. The cost of dental implants may vary depending on factors such as the location, the complexity of the case, and the materials used. Finding dental insurance that covers implants, like a Spirit Dental plan, can help you cover a large portion of these costs.
  • Surgical procedure: Dental implant placement requires a surgical procedure, which may involve some risks, such as infection, bleeding, nerve damage or sinus problems, although these risks are rare and can often be mitigated with proper planning and skilled surgical technique.
  • Healing time: The process of dental implant placement typically involves a healing period of several months for the implant to fuse with the jawbone, known as osseointegration, before the final crown or prosthesis can be attached. This healing time may vary depending on the individual and can sometimes require multiple appointments.
  • Oral hygiene maintenance: Dental implants require regular oral hygiene maintenance, including thorough brushing, flossing, and regular dental check-ups, to ensure their long-term success. Poor oral hygiene can increase the risk of implant failure.
  • Potential complications: Although rare, complications such as implant failure, bone loss, peri-implantitis (inflammation around the implant), or issues with the prosthetic crown or prosthesis may occur and may require additional treatment or replacement.

It's important to note that the benefits of dental implants, such as improved aesthetics, function and durability, often outweigh the potential downsides for many patients. Consulting with a qualified dental professional can help you understand the potential risks and benefits of dental implants and determine if they are the right tooth replacement option for you based on your individual needs and circumstances.

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

Consider signing up for a Spirit Dental insurance plan that covers implants, major services, preventive care, and basic services. It's easy to get dental insurance quotes online, and if you like what you see, you can apply right away. It only takes a few minutes. You can also compare dental insurance plans to make sure you are getting the best coverage for you.

Have questions about our dental insurance plans with implant coverage? Contact us anytime to get the answers you need.