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. We offer affordable dental insurance that covers implants immediately.
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:
How much can you save when you're enrolled in dental implant insurance? 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.
Look for dental plans that specify they cover major services, 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 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, it's best to enroll in a comprehensive plan that covers a range of basic and major services. Insurance plans that cover dental implants are essential.
With Spirit Dental, plans that cover implants offer valuable support whether you're paying for one or more implants. Plus, we can help you afford the appointments and treatments you might need before and after the procedure.
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.
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.
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).
Consider signing up for a Spirit Dental insurance 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 dental insurance plans with implant coverage? Contact us anytime to get the answers you need.