How Much Does A Tooth Implant Cost With Insurance?

Dental implants can understandably be life changing! But before you consider them, it’s important to know just how much coverage will your insurance provide.

Dental implants are an effective solution when it comes to having to replace your teeth. Dental implants are artificial tooth roots that provide support to bridges, crowns, or dentures. According to statistics, over half a million people in the United States opt for dental implants every year.

Dental implants are considered to be an investment in many parts of the world. However, before you go ahead with the treatment, you should check if your medical or dental insurance provides coverage for dental implants.

Dental implants procedure is likely to be costly, hence without dental insurance coverage, an implant can get out of your budget. In general, dental insurance most likely won’t cover the full cost of dental implants.

We’ll be sharing an overview about dental implant insurance and what your best options are for getting dental implant coverage.

Does Dental Insurance Cover Implants?

Dental implants can turn out to be quite heavy for your wallet. Despite that, the cost of implants might be worthwhile as they can typically last you a lifetime. They function like your how your neutral tooth would, allow you to have a better smile, have confidence, and the most important of it all, allow you to eat comfortably.

Teeth implants in general cost much more than bridges, simply because of the involvement of surgery and the cost of individual implants. Your dentist has to undergo specific training and equipment used to perform the surgery – hence why placing implants requires serious work.

If you need to get dental implants to replace a tooth or a particular set of teeth, but the expanse of it is more than your budget, you should consider signing up for dental insurance. Most dental insurance plans provide coverage for some parts of the dental implant procedures.

As mentioned earlier on, aside from dental implants being an investment for your oral health, they’re a source to improve your self-confidence, However, you should still understand what’s involved in your treatment plan and how much you will have to pay out-of-pocket.

Every person has their reasons for wanting dental implants, but the cost of it matters to everyone in the same way.

Ask Your Dental Insurance Provider

First and foremost, ask your dental surgeon to provide you with an individual treatment plan for your teeth implant procedure. Once you’ve received the treatment plan details, contact both your medical and dental insurance provider to understand what aspects of dental implants do they provide coverage for.

However, be mindful to cheek the maximum yearly limit on your insurance because the total fee for your implant may most likely be higher. If that’s indeed the case, you might be able to split the dental implant treatment within different time periods in a year, so that you stay in the limit and only have to pay as least as possible out-of-pocket payments.

If you were to find out that your insurance doesn’t provide coverage for dental implants at all and only cover dental treatments at a minimal cost, don’t be disheartened. According to the American Academy of Implant Dentistry, you should try asking your insurance provider to cover your dental implant treatment ast the cost of a dental bridge or traditional dentures.

The American Association of Oral and Maxillofacial Surgeons (AAOMS) explained that both dental and medical insurance is potentially able to cover some parts of the dental implant procedure, however, it all depends on the nature of your tooth damage/loss and your insurance plan.

For example, if you faced medical complications due to your tooth loss, a part of your medical insurance may provide some coverage of the treatment. Moreover, if you have dental insurance, it may even provide coverage for the crowns that will eventually replace your natural tooth in the dental implants treatment.

Hence, speak to your oral surgeon about how intense your dental implant procedure will be. You’ll even require anesthesia during your dental implant surgery. All of these factors are likely to be added to the final cost.

How Much Do Dental Implants Cost?

Almost every patient receives a customized dental implant treatment, which depends on their frequency of appointments, procedure and the cost of their dental implants. Unlike some of the other tooth replacement costs and procedures, dental implants are very much customized for an individuals’s teeth and mouth – hence why they look as natural as real teeth.

The costs of dental implants are understandably high. It’s vital that you consider opting for a dentist who has expertise in the field of dental implants, as you would want to look your very best, especially after spending so much money on them.

Other teeth replacement treatments may seem more favourable to you as their costs are definitely lower than the cost of dental implants, but they may not last as long and you may have to visit your dentist for touch ups every once in a while.

According to The New York Times, the typical cost for a single dental implant is likely to be in between $3,000 to $4,500.

Dental Implants Insurance

Bridgework and dentures is a possible way of replacing a missing or damaged tooth, but for consumers who are able to afford a more costly teeth replacement procedure, prefer the dental implant treatment.

The main hurdle to having more people opt for dental implants, is the expense that comes alomsgdie the treatment. Many people make sure that they have dental insurance that covers implants, even if it’s not covering the full costs, before opting for dental implants.

We’ll be sharing some dental insurance companies that offer good and competitive rates for dental implants coverage as compared to others.

Let’s dig in!

Delta Dental

Delta Dental has been in the insurance industry for more than 50 years now. It had managed to make a name for itself as one of the most well-known and competitive insurance providers out there.

They provide dental insurance coverage to more than 80 million people all over the world. Ther offer plans to families, individuals, senior citizens, and even to small businesses. Delta Dental plans coverage and costs vary depending on where you reside, but you can get a free quote via their website by simply entering your postal code.

Delta Dental provides a full coverage of preventive and routine diagnostic procedures, 80 percent of basic dental procedures such as fillings, extractions, and root canals, and 50 percent of major dental procedures such as implants and bridges. Their coverage is typically more than most of the other dental insurance providers.

However, annual maximums, deductibles, and waiting periods can largely reduce the amount of coverage you are eligible to use for your implants. Moreover, some of their policies don’t provide coverage for specific pre-existing conditions like missing teeth.

Hence, you might not be able to purchase some of their insurance plans if you have a missing tooth. Basic PPO Plans begin at either $30.58 or premium PPO plan at $64.92 monthly premium.

Spirit Dental & Vision

Spirit Dental & Vision, is being operated by an online marketplace called Direct Benefits. They cater both individual and group dental plans. Moreover, their insurance is underwritten by another insurance company – Ameritas Life Insurance Company.

Spirit Dental has two dental insurance plans – Spirit Network Dental Insurance and Spirit Choice Dental Insurance. Both of these dental insurance plans offer dental implants coverage. The best part of it all is that the insurance plans have a much shorter waiting period as compared to other insurance providers.

You will have to make a one-time, $100 lifetime deductible and an annual maximum coverage of $5,000. The plan’s monthly premiums ultimately depend one what state you are staying in. However, if you have a missing tooth/teeth before you purchase the insurance, Spirit Dental won’t be providing coverage for those dental implants.


Ameritas had entered the market back in the 80’s, but only started providing dental converge not too long ago in 1959. They provide dental insurance coverage directly to their consumers, and are known to be very much professional in their dealings.

Dental insurance benefits typically begin from day one, and preventive visits are 100 percent covered when you’re consulting a dentist within their in-network provider. Their plans cost and coverage ultimately depend on where you live, your age, and other important factors.

Ameritas dental insurance plans include an annual maximum, but as little as $1,000 or $2,000. However, their dental insurance provides coverage of up to 20 percent of major dental procedures for dental implants for the first year. But, then cover 50 percent of the major dental procedures after the first initial years the plan is in place. operates through an online marketplace that provides dental savings plans, better known as dental discount plans. This Florida-based insurance company hasn;t been around for much long, but offers alternatives to dental insurance,

They work alongside more than 30 companies, in which Cigna and Aetna are two of them. For almost $80 to $200 every year, you have the access to a network of reasonably harhing dentists.

Moreover, there’s no waiting periods, annual or lifetime caps on their plans. You’ll be able to save 20 percent to 55 percent on dental implants cost. However, a number of their consumers have claimed that it’s tough to cancel their plans. Hence, do your due diligence before you go agate with their plans.

Are Dental Implants Right For You?

After doing research on your part for dental implants, schedule an appointment to have a consultation session with your dentist. Only a dentist is able to decide if you indeed should opt for dental implants.

Moreover, also review your dental insurance policy and the benefits you’re eligible for. Your dentist will be able to calculate and inform you if the dental implant meets your budget.


Living with missing or decayed teeth can take a toll on both your mental and physical well-being. But, you’re not obligated to live your life that way. Dental implants will help achieve your natural smile back.

Your oral surgeon has to be experienced in dealing with patients’ concerns and worries on how they will be able to afford the treatment. Hence, don’t hesitate questioning them and also reach out to your insurance provider to understand the coverage better.

We hope we cleared your doubts on how much dental implants costs and the insurance companies you can consider opting for.

John Otero

John Otero

John Otero is an industry practitioner with more than 15 years of experience in the insurance industry. He has held various senior management roles both in the insurance companies and insurance brokers during this span of time. He began his insurance career in 2004 as an office assistant at an agency in her hometown of Duluth, MN. He got licensed as a producer while working at that agency and progressed to serve as an office manager. Working in the agency is how he fell in love with the industry. He saw firsthand the good that insurance consumers experienced by having the proper protection. John has diverse experience in corporate & consumer insurance services, across a range of vocations. His specialties include Major Corporate risk management and insurance programs, and Financial Lines He has been instrumental in making his firm as one of the leading organizations in the country in generating sustainable rapid growth of the company while maintaining service excellence to clients.

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