How To Find Dental Insurance That Covers Implants

Fewer Implants, More Affordable Cost

An “All-on-4” implant system uses only four–or sometimes six–implants to support a full-arch, hybrid dental appliance. That means you won’t have to pay to put 14 dental implants in your upper or lower jaw to restore all of those teeth at one time. Instead, you’re using strategically-placed implants.  The fact that we’re using 10 fewer implants per arch can save you thousands of dollars in dental treatment costs.

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Average Cost of Dental Implant Insurance

The average cost of dental insurance varies based on the type of plan as well as other factors. Indemnity plans with a $2,500 annual limit have an average premium of $780 per year. The average cost of a PPO plan is about $350 per year. These plans may or may not include coverage for dental implants. That varies by provider. Many providers offer a range of plans, some of which include coverage for implants. It’s essential to review the terms of each plan to know for certain. 

What Impacts Dental Insurance Costs?

Why does the cost of dental insurance vary so much? The features of each plan also impact the cost. These include:

  • Maximums. Plans often have an annual maximum. This is the most your plan will pay toward your dental care. If you have a plan with a $2,500 maximum, your dental insurance provider will pay $2,500 toward your dental costs each year. If your dental costs are more than $2,500, you’re responsible for the difference. A lower annual maximum usually means lower premiums. 
  • Deductible. A deductible is the amount you pay for covered services before your plan starts paying. If you have a plan with a $500 deductible, you pay the 1st $500 for covered services. After that, your plan will pay according to its terms. A higher deductible typically means lower premiums. 
  • Coinsurance. Coinsurance is the percentage of costs your insurance plan will cover. Dental insurance plans typically have a range of coinsurance percentages based on the type of services. Preventive services may be covered at 100%, while major services like implants may be covered at 50%. A lower coinsurance often means a lower premium because you’re paying a higher share of the costs.  

What Does Dental Implant Insurance Typically Include?

Every dental insurance plan is different, but you can expect to see coverage or a discount for preventive and nonroutine procedures. Preventive care may include cleanings, exams, fluoride treatments, sealants, and x-rays. Nonroutine coverage may include crowns, dentures, extractions, fillings, root canals, implants, and more.

Start With a Consultation for Individual Pricing

An exam with X-rays is the first step to finding out how much All-on-4 implants cost.  We’ll discuss your specific needs and lifestyle, as well as your long-term goals. Once we’ve determined your candidacy for dental implants, we can help you decide on the best path of care. Such as other therapies or options that you may need in conjunction with your smile reconstruction.

If all-on-4 or fixed implant dentures are right for you,  treatment options will be discussed and explained in detail so that you understand your options—including the costs of each. Even if you’ve had a recent exam, you can meet with our Raleigh implant dentists to discuss what options you have to choose from.

Once we have the total estimate on your All-on-4 implants treatment, you’ll know exactly what the costs will be. And at that point, you can plan whether you want to use HSA/FSA funds, take advantage of 0% financing, or prefer to pay for them via another option.

Year-Round Insurance Coverage

CarePlus Dental Plans provide you and your family access to high-quality dental care at affordable prices with reduced out-of-pocket expenses. CarePlus Dental Plans are available exclusively at Dental Associates’ Wisconsin clinics. From general dentistry to crowns and bridges, root canals to oral surgery, Dental Associates provides complete care, and your Care Plus dental insurance will provide comprehensive coverage.

Dental Implant Insurance Limitations

Dental Associates will help you maximize your insurance benefits, but please note there may be some limitations to coverage including, but not limited to, the following.

Annual maximums

Be aware that dental insurance plans have a maximum amount they will pay per benefit year (often between $1,000 and $2,000). This is important to keep in mind, as most dental implant procedures will exhaust these maximums quickly.

Alternate benefits

In some dental insurance plans, there’s an alternate benefits stipulation stating that certain dental procedures must convert to a less expensive treatment. The patient can still elect to receive more expensive treatment, but they’ll be reimbursed for only the amount of the procedure that 1) is less expensive and 2) serves the same function. 

For example, some insurance plans will cover a partial denture instead of a dental implant. If this is the case, the patient can move forward with the procedure the insurance will pay for, or they can elect for the more expensive (but longer lasting) procedure and cover the difference.

Medical insurance

Though rare, some medical insurance will consider coverage for implants. In most cases, medical insurance will pay coverage toward a dental implant if it’s needed due to an accident, but some will consider it overall. Please contact your medical insurance provider to determine if any coverage is available for dental implants.

Conclusion

There are some insurance companies that offer coverage for dental implants, and for some people, implant insurance is the best way to save on this expensive but necessary procedure. The disadvantages of dental insurance plans for implants, however, is that they often have high deductibles, low yearly maximums, and limitations for preexisting conditions, including if you have missing teeth.

It’s worth searching for an insurance plan, but if you can’t find one, you can consider alternatives like payment plans, discount plans, or personal dental loans for implants.

If you need help to findto find a dental insurance plan or a discount plan, for implants and for dental work you can go to DentalInsurance.com and compare the best plans in your area. And if you find one you like, you can enrol directly.

Find dental implant insurance now

What Is Dental Insurance for Implants?

Dental insurance for implants is important because many basic dental insurance policies don’t cover major procedures or surgery to replace newly missing teeth. Since dental implants are expensive, having that extra coverage for a percentage of the cost can help make dental implants considerably more affordable.

There are two main types of dental implants. According to the American Academy of Implant Dentistry, endosteal implants are placed in the jawbone, and subperiosteal implants are placed under the gum but above the jawbone.

Endosteal implants often are preferred, but subperiosteal implants make more sense for patients who don’t have enough healthy jawbone and don’t want to endure another procedure to improve their jawbone strength for endosteal implants.

What is a Dental Implant?

Dental implants are relatively expensive when compared to other dental procedures. This is because getting an implant is a lengthy process that may involve an oral and maxillofacial surgeon (OMS). This is a surgeon who specializes in oral surgeries. 

Here are the steps to getting a dental implant. Keep in mind the process may vary depending on your individual needs.

  1. Initial consultation. You have an initial appointment with an implant dentist or surgeon. The dentist will take images of your teeth and mouth and develop a surgery plan. 
  2. Tooth extraction. If you have a damaged tooth that needs to be replaced by an implant, your dentist will extract, or take out, the damaged tooth. 
  3. Implant placement. After you’ve healed from your extraction, your surgeon will place your implant. The implant is a metal post. It’s put into your jawbone and serves as the root for your replacement tooth. If your jawbone isn’t strong enough for an implant, the surgeon will perform a bone graft. After that heals, the surgeon will place your implant. 
  4. Healing. After the implant placement, the implant and your jawbone need time to heal and grow together. This typically takes a few months. 
  5. Abutment placement. After your implant and jawbone have grown together, your dentist will put an abutment on your implant. The abutment is a small piece that inserts into your implant and extends it past your gumline. Your new artificial tooth will attach to the abutment. Your gums will need time to heal after abutment placement. 
  6. Artificial teeth. Your new teeth are the last step. Depending on your needs, your dentist may do 1 tooth, a bridge or dentures with multiple teeth that are attached to your abutment. 
  7. Aftercare. You’ll need to follow your dentist’s instructions and maintain your artificial teeth. This includes regular brushing and flossing and regular checkups. 

Implants require multiple steps to the dentist. You’ll also need anesthesia for some of the procedures. These expenses drive up the costs. Dental insurance that covers implants can help lower your out-of-pocket costs. 

Is Paying for Dental Implant Insurance Worth It?

Paying for dental insurance with the hope of getting coverage for dental implants can be worth it, but it all depends on your unique situation and how much dental work you need. With annual maximums on policies coming in as low as $1,000 in some cases, it’s important to make sure you select a dental insurance plan that offers enough coverage to actually help with the cost of dental implants. Many policies cover only a percentage of major services, so you’ll need to be prepared to pay for the rest of your implant surgery yourself.

Having some coverage is usually better than having none. Plus, dental insurance can kick in to pay for preventive care like cleanings and X-rays, as well as any fillings work you need to be done over the course of the year.

Before you pay for a dental insurance plan, make sure to shop around among plans to find the best deal. You should look for a plan with a high annual maximum coverage amount, low copayments and out-of-pocket costs, and a monthly premium you can afford.

Your Medical Insurance May Cover Dental Implants

There are some circumstances in which your medical insurance may provide coverage for at least some aspects of dental implant surgery. If your tooth loss has resulted in medical complications, your health insurance might provide coverage. Dental implants required after oral cancer may also be covered by medical insurance. If both your medical and dental insurance plans provide coverage for dental implants, your benefits from each can be combined to minimize your out-of-pocket expenses.

Why Get Dental Insurance Coverage?

Having dental insurance can encourage you to get cleanings and exams every 6 months. Keeping up with your oral hygiene can prevent a wide range of oral discomforts and emergencies. Starting early may be able to prevent the need for dental implants and dentures later in life. If not, we can help you with our full coverage dental plans.

The average filling costs can range from $200 to $375. On top of those fees, x-rays, an exam, and anesthesia are almost always needed. These all have their own hefty price tags. Having dental insurance that covers cavities can save you money and protect your mouth’s well-being.

Types of dental implants

There are several types of dental implants. The type that is right for you depends entirely on your health, the condition of your teeth, gums, and bone as well as the location and number of teeth you need to have replaced. The different types of dental implants include the following:

  • Endosteal: Endosteal implants are like screws that are placed directly into the jawbone. This type of implant relies on screws or cylinders as the foundation of the new tooth. The screws are made of metal, such as titanium. These are the most common type of implant done in the United States.³

  • Subperiosteal: Subperiosteal implants made of a metal framework and sit on top of the jawbone and under the gums. Unlike the endosteal implant that is screwed directly into the bone, subperiosteal implants sit directly on top of the jawbone with small posts that protrude through the gums. Crowns, bridges, or full dentures attach to these posts. Typically, subperiosteal implants are recommended for patients who are not eligible for endosteal implants and are unable to tolerate removable dentures. If you have a lot of bone loss or other advanced oral disease and there is not enough bone left to attach an endosteal implant, you may need a subperiosteal one.

  • All-on-4®: If you are missing all your teeth on the top or bottom and need a full denture, the All-on-4 implant can be an ideal solution. Four implants are placed into the bone and angled to take advantage of the thickest available area. On the same day the All-on-4 procedure is done, your dentist places a temporary denture on the implants. You can eat and speak naturally with the temporary denture for several weeks while you wait for healing to take place. After you have healed, your dentist attaches a permanent denture on the implants. This ensures that the denture stays in place and will not float in your mouth.

  • Mini implants: Tiny, almost like a toothpick, mini implants require a less invasive type of surgery to place in the jaw. Their small diameter makes them ideal for patients who have little bone structure left. Many dentists use these to help stabilize dentures for patients who have worn them for many years and can no longer eat or speak without the denture moving around in the mouth.

  • Immediate load implants: Sometimes called Teeth-in-a-Da®, this type of implant allows your dentist to place the implant and a crown on top of it on the same day they pull the natural teeth. Reducing the time between having teeth pulled and having an implant placed is a benefit for most patients. This is an excellent choice for patients who have healthy, strong jawbones.

What are the Expected Costs of Dental Implant Insurance?

For individuals, dental implant insurance typically costs $14 to $30 per month. Families can expect to pay $27 to $56 per month. Depending on your plan, you also may have a deductible, copayments, and coinsurance. Every company offers different coverage, though, and most plans won't cover the full cost of dental implants.

Other Major Services That Are Covered by Spirit Dental Insurance

Whether you’ve been told you need a major service or you want to make sure you’re covered in case the need arises in the future, Spirit offers coverage for the following:

Bridges

Bridges are natural looking, much like dental implants, but they need to be cleaned with a special brush and floss. Odds are that you’ll need to replace your bridgework every few years.

The cost of bridgework will depend on the type of bridge that you’re getting. While a resin-bonded bridge may typically cost up to $2,300, a cantilever bridge might be more than $4,000. Thankfully, Spirit dental insurance can help cover the cost of this major service.

Crowns

Crowns can be a great solution if a tooth has decayed extensively or if it’s been damaged as a result of trauma, grinding, or erosion. And crowns can even be used to restore the appearance of severely discolored teeth.

Your dentist will take an impression of your tooth so that a custom crown can be created in a lab. Once the crown arrives, the dentist will apply it, and you’ll be good to go.

Crowns can be pricey, though, ranging from $1,000 to a whopping $3,500, so having the right dental insurance, such as the plans offered by Spirit, is definitely wise.

Inlays

With an inlay, your dentist could drill into a tooth exhibiting decay in order to clean it out, and then restore the strength of the tooth without having to affect the cusps of that tooth. Plus, the great thing about inlays is that they’re typically stronger and longer lasting than standard fillings.

Inlays are often recommended if a tooth is fractured, broken, or decayed but the damage doesn’t affect the cusps. They’re also a great choice if the damage is so extensive that a large filling would be required, but the filling would weaken the structure that remains.

Because inlays could cost up to $1,500, though, having a Spirit dental plan can help make this major service more affordable.

Dentures

The good news is that modern dentures are more comfortable, as well as more natural looking than they used to be. You could get partial dentures or full dentures, depending upon your needs.

The bad news is that dentures can set you back financially. The final cost will be based on whether you get partial for full dentures, but you can expect to spend hundreds, or even thousands, of dollars on dentures.

In fact, a complete set could cost up to $8,000, so the right Spirit dental plan will definitely save the day.

Additional Resources:

Need more time to consider these major services for your dental care needs? Here are a few of our informative blogs →

Are dental implants right for you?

After doing your research on dental implants, make an appointment to see your dentist for a consultation. Only your dentist can help you decide if implants are the best choice for your situation.

Also, consider reviewing your dental insurance benefits to see if you have coverage for implants. This knowledge can help you and your dentist decide if implants are an option for you.

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Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice. This is not dental care advice and should not be substituted for regular consultation with your dentist. If you have any concerns about your dental health, please contact your dentist's office.

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