How to Get Dental Implants Covered by Insurance – Strategies

Unlock the secrets of securing coverage for dental implants with our comprehensive guide on “How to Get Dental Implants Covered by Insurance.” Navigate the intricate process by understanding insurance policies, advocating for coverage, and maximizing benefits. This insightful resource empowers you to make informed decisions about your dental health, ensuring a confident, restored smile without financial strain. Explore the essential steps to successfully attain coverage for dental implants and elevate your oral well-being.

how to get dental implants covered by insurance

Dental Implants and Insurance:

Deciphering dental implants and insurance plans can be intricate, but grasping your coverage options can unveil more cost-effective solutions. Some insurers might partially cover dental implants; therefore, verifying terms is crucial to avoid unforeseen expenses. It’s advantageous to compare dental insurance providers, as some offer plans tailored for implant coverage. Regardless of your situation, meticulous research on various dental insurance plans ensures finding affordable options through careful planning and consideration.

The Dental Implant Procedure:

Step 1: Consultation and Examination:

In the first step, your dentist assesses your oral health, using X-rays or a CT scan to evaluate your jawbone’s health and structure. It determines the precise implant placement and provides a visual guide to the dental anatomy.

Step 2: Treatment Plan:

After the dental assessment, your dentist will create a personalized treatment plan detailing the procedure, estimated timeline, and potential cost. This comprehensive roadmap guides your journey toward obtaining your dental implant with clarity and precision.

Step 3: Tooth Extraction:

If the tooth is still present, extraction is necessary. Based on your case and the dentist’s guidance, the dental implant may be placed immediately or may require a few weeks of healing after extraction. Regardless, this step clears the path for the impending implant placement.

Step 4: Bone Grafting:

When the jawbone lacks strength, a bone graft becomes essential. This surgical procedure enhances existing bone, establishing a sturdier foundation for the dental implant. This stage involves additional healing time, ensuring optimal support and long-term success for the implant.

Step 5: Implant Placement:

Implant dentists insert a titanium post, the dental implant, into your jawbone, mimicking a new tooth root. Osseointegration, a vital process where the implant fuses with the bone, necessitates a few months of healing. Ensures a robust foundation for long-lasting success.

Step 6: Placing the Abutment:

Following the healing of the implant area, a minor procedure attaches the abutment to the dental implant. This component serves as the anchor for the new tooth. After abutment placement, the gums require additional time for healing before proceeding with the final phase of the dental implant process.

Step 7: Impression for Crown:

Once your gums heal around the abutment, a mouth impression is taken. This impression is used to craft a crown that perfectly fits your abutment, seamlessly blending with your natural teeth. The customized solution guarantees a harmonious and natural appearance for your dental implant.

Step 8: Placement of the Crown:

Upon completion of the tailored crown, it is affixed to the abutment. The choice between removable or fixed options depends on your preference and your dentist’s guidance. It signifies the conclusion of your dental implant journey, culminating in a vibrant and healthy smile.

Navigating Your Insurance Policies:

To ascertain coverage for dental implants through insurance or medical insurance, grasp the specifics of your policy. Dental insurance plans differ significantly, and what one covers, another may exclude. Familiarizing yourself with the nuances of your policy is crucial in navigating the potential coverage for dental implant procedures.
Simple answers to these questions can save you from unexpected out-of-pocket costs:

  • Does it cover implant treatments?
  • Does the dental coverage extend to related procedures like bone grafting and tooth extractions required before the implant procedure?
  • Does your medical insurance cover any aspect of your dental implant procedure?
  • What is the waiting period before coverage kicks in?

How Much Do Dental Implants Cost With Insurance?

Dental implant expenses fluctuate depending on insurance coverage and plan details. Although insurers often label implants as a “cosmetic solution” with restricted coverage, costs generally fall between $1,500 and $6,000 per tooth. While insurance aids in cost reduction, it’s essential to confer with your insurance provider and dentist to comprehend policy benefits and explore payment options for any outstanding balance, ensuring an accurate estimate.

Shaping Your Dental Plan and Maximizing Insurance Coverage:

Dental implants can sometimes cause a financial strain as dental insurance companies often categorize implants as major procedures, typically only partially covered.

Here’s how you can make sure to get the most out of your current or future insurance policies:

  • Choose a dental plan that clearly states its coverage options for implants.
  • Confirm that basic procedures like tooth extractions and primary treatments (implant surgery) are covered.
  • Understand the annual maximum payout of your insurance plan. You’ll carry the additional cost if your treatment costs surpass this limit.
  • Explore if your medical insurance can be tapped for certain aspects of your dental procedure.
  • Ask your dentist to draft an extensive treatment plan outlining all potential costs. It could help you understand your overall pocket expense.

Dental Discount Plan and Monthly Payments:

If the cost of implants remains daunting even after exhausting your dental insurance benefits, here are some alternative paths that could lead you to your end goal:

  • A dental discount plan can be a perfect ally, as it could lend substantial discounts on various dental services.
  • Consider discussing monthly payment or financing plans with your dental clinic. These options could distribute your costs over a longer period, lessening your immediate financial burden.
  • Health savings or flexible spending accounts are useful tools to help offset the cost of your implants. Both accounts use pre-tax dollars, which can result in bigger savings.
  • Some nonprofit organizations and charities help individuals finance their dental care. Researching local resources could help you reach your goal of securing dental implants.

Long-Term Benefits of Dental Implants:

While addressing how to get dental implants covered by medical insurance or dental insurance, here are the long-term benefits that justify the initial expense:

  • Improved quality of life
  • Enhanced oral health
  • Elimination of discomfort related to tooth loss
  • Preventive care for remaining teeth and the oral structure

Redesign Your Smile: Reserve Your Seat at Our Implant Consultation

Understanding insurance terms and optimizing benefits for your dental implant procedure may seem daunting. Yet, you can mitigate the financial impact with meticulous research, awareness of coverage limitations, and self-advocacy. Dental implants are crucial in oral health, elevating overall quality of life. Reach out to schedule a consultation for dental implant surgery. Our committed team can assist in clarifying your dental insurance coverage and exploring financing options, guaranteeing top-tier dental care for your envisioned smile.

Also Read: How to Scare Insurance Adjuster – Tactics for Claim Success


Why are dental implants not covered by insurance?

Dental implants are often considered elective or cosmetic, leading many insurance plans to exclude them due to their non-essential nature.

Are dental implants safe?

Dental implants are generally safe with a high success rate, provided qualified professionals and individual health factors conducting the procedure are considered.

Which dental insurance is best for implants?

Delta Dental, Aetna, and MetLife offer plans with potential coverage for dental implants. Assessing policy details is crucial to finding the most suitable plan.

Are dental implants painful?

While discomfort varies, most patients experience minimal pain during the procedure, with post surgery discomfort managed by prescribed or over-the-counter medications.

Best dental insurance for seniors?

Options like Delta Dental, Humana, and AARP dental plans are popular for seniors. Evaluating coverage specifics, waiting periods, and premiums helps determine the most suitable plan.


Navigating the path to getting dental implants covered by insurance requires a thorough understanding of policy nuances, proactive advocacy, and exploring providers with implant coverage. Despite challenges posed by the elective nature of these procedures, strategic research and effective communication with insurers and dental professionals can pave the way for accessible and affordable dental implant solutions, ensuring a healthier and confident smile.

Ray Austin

Ray Austin, seasoned entrepreneur and business blogger, shares valuable insights on startups, leadership, and navigating the business landscape. Join him on the journey to success through practical advice and a fresh perspective on modern commerce.