Are Dental Implants Covered By Insurance?

Get information on dental implants cost and payment options

If you are looking to get insurance coverage for dental implants, you are in for a big disappointment. Dental implants and related bone grafting procedures are typically not covered by any insurance plans as they are considered elective and not medically necessary. Some dental insurances may offer benefits, but since the maximum annual available benefits per individual is typically between $1000-$1500, there is little availability of coverage.

While, your dental insurance may not cover dental implants, you may be able to receive coverage for the prosthetic portion of your treatment. This includes crown, implant-supported bridge, over-denture, or fixed complete prosthesis. However, as most people have at most $1500 maximum benefits annually, the coverage is quite limited and not a big factor.

Dental implants may be covered under medical insurance if teeth loss is related to a traumatic injury or pathology such as bony cysts. Your oral surgeon can help write a pre-authorization letter and assess what benefits you might have available.

Because dental implants treatments can be costly and insurance provides little or no help, here are some financial options to make your treatment possible:

  • Payment plans: We offer six to 24 month interest-free payment plans. A short application (via phone or website) is necessary, along with a credit check for approval. Once approved, you do not have to make any payments to our office. Instead, following your procedure or treatment, you will make payments directly to the third party company.
  • Crowd funding: You can raise funds for your dental implant or other dental needs using crowd funding. You post your needs and reach out to others using social media to receive gifts or contributions toward your treatment.