How to get dental implants covered by insurance?

Dental insurance policies vary, but many can cover most, if not all, of your dental coverage. When it comes to getting dental implants, you will want to know what could be covered.

Fortunately, with companies like DentalPlans and Spirit Dental, this whole process is super easy. You can find a dental plan online and start using the coverage once you get your ID card. We’ll talk more about this below.

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Does Insurance Cover Dental Implants?

Unfortunately, most dental insurance policies do not cover tooth implants because most companies categorize them as a “cosmetic procedure.” Although if you have gotten dental implants, you know that it’s more than just a cosmetic choice — it can be a life-changing and mouth-saving choice.

But on the upside, many insurance companies are beginning to see the importance of dental implants. They are starting to see the long-term health benefits of getting implants. As of right now though, it’s probably unlikely that your insurance company will cover the cost of dental implants surgery. However, you can still file a claim in an attempt to get some sort of reimbursement.

If you need to get dental implants, your best option is probably using medical insurance, but even then, you will probably have some out-of-pocket expenses. Under many medical insurance plans, implants are considered essential in restoring the jaw for eating and speaking.

How To Find Dental Insurance That Covers Dental Implants?

Finding the right dental insurance can be a little overwhelming, so here are some simple steps you can take to get you started.

Check Your Current Dental Insurance Policy

Start by reviewing your current dental insurance policy. Look through all of the benefits to see whether or not it covers dental implants.

Tip: if it’s a digital copy of your insurance policy (which most companies can provide) use the “Find on this page” feature (use Ctrl + F on a PC or Command + F on an Apple computer). In the search box that appears, simply type “dental implants” and hit Enter and it will show you every place in the policy that mentions dental implants.

You should also check what your annual maximum is, which is the max amount of money your policy can pay each year. And as we mentioned before, you may be able to file a claim for a reimbursement, but this is also something you first look at in your policy.

When in doubt, call your insurance company and speak with a representative to get clarification.

Talk With Your Dentist

Your dentist is a great resource of dental-related info, including reliable dental insurance plans. They may be able to recommend plans that may cover your dental implants.

Indemnity Dental Insurance

There’s a type of dental insurance plan where you pay for your implants out of pocket and the insurance company reimburses you for the care. And usually, dentist can set up a payment plan with you in the interim. This type of insurance is called “indemnity dental insurance,” a “fee-for-service” plan, or “traditional dental insurance.”

With this type of plan, there are no exclusive networks or approved providers — you can visit any dentist. You pay a deductible on the policy and then the insurance company can cover part of the rest. Usually they will cover 50-80% of the “reasonable and customary” dental costs and then 100% of the preventative care.

Basically, after you get dental care, you submit the dentist bills to the insurance company for them to review. If approved, they will then reimburse some or all of your costs. Just make sure you know what the insurance company will cover before getting a dental implant as not every implant procedure may qualify for reimbursement.

Do a simple Google or Bing search for these terms and you should be able to find companies offering these plans.

Remember, dental insurance and medical insurance are just two options for spending less on your dental implant procedure. Another one is to get an affordable dental plan.

Through this type of plan, you can get a percentage off the total cost of your dental care while not being required to pay a deductible or work under a maximum. Plus, signing up involves no paperwork hassles, no health restrictions, no annual limits, and no waiting.

Even if it seems like your dental insurance says will cover implants, the fine print might state otherwise. To be sure, you can call the insurance company, speak with your dentist, or consider a dental savings plan.

Cost Of Dental Implants With Insurance

So once you find dental insurance, what will your dental implants cost after that?

Well, one dental implant can cost anywhere between $1,600 and $8,200 without any dental insurance. And of course, the amount will vary depending on how involved the surgery is, where the implant is being placed, and the number of implants needed.

If you don’t have insurance, you’ll want to save around $8,000 dollars.

Those are scary numbers, and dental insurance may not cover much of the total amount. But because of the variances in policies and implant procedures, the best way to figure out what your dental implants will cost with dental insurance is to call your insurance company.

Spirit Dental – Best Dental Insurance For Implants

Speaking of reliable insurance companies, Spirit Dental provides a fast and easy way to get dental coverage. Let’s cover the details.

How It Works?

It’s a pretty simple and straightforward process.

  1. Sign up for a plan on Spirit Dental’s website (it literally takes a few minutes)
  2. In roughly 10 business days, you’ll get an ID card in the mail
  3. When your plan starts (i.e. the effective date), you can start using your ID card, you can start using your new insurance plan at every checkup

These plans cover cleanings, regular checkups, and also more major procedures, like bridges, crowns, inlays, and dentures. This company is great because there’s no waiting and acceptance is guaranteed. You’ll get coverage within your first month.

Every plan has a monthly premium, which can vary depending on where you live, the plan you select, and whether you choose what is called a Choice plan or a Network plan. Also, each plan has a $100 deductible.

Coverage Limitations

Although it would be nice is dental insurance companies covered every expense no questions asked. But that’s just not the case with any company.

With Spirit, they won’t cover implants that were missing before getting a policy. Also, if a Spirit customer is missing one or more teeth before their policy’s effective date, Spirit won’t cover for any device that replaces those teeth. One exception to this is if this devices also replaces natural teeth that were lost or removed after being insured.


So now you know how very expensive dental implants can be without insurance. But most importantly, you know how to save money and find out if your dental insurance policy will cover your implants.