Does Insurance Cover Dental Implants?
Wondering if your insurance will help pay for implants? Here is what you need to know.
Most dental insurance plans consider implants a cosmetic or elective procedure and do not cover the full cost. However, coverage is improving as implants become more standard.
- What insurance may cover:
- The crown (replacement tooth) β often covered at 50%, similar to a crown on a natural tooth
- The extraction of the damaged tooth
- X-rays and exams β diagnostic costs are often covered
- Part of the implant surgery β some newer plans cover a portion
- What insurance usually does not cover:
- The implant post itself
- Bone grafting or sinus lifts
- The abutment (connector piece)
- Coverage typically ranges from:
- $500β$1,500 per implant per year (lifetime maximum)
- Many plans have a $1,000β$2,000 annual maximum for all dental work
Tips for Maximizing Coverage
- Check if your plan has a missing tooth clause β some plans will not cover an implant if the tooth was missing before the policy started
- Ask about medical insurance β if implant surgery is needed due to trauma or a medical condition, your medical insurance may cover part of it
- Consider dental discount plans β these offer reduced rates for members
- Use Health Savings Account (HSA) or Flexible Spending Account (FSA) funds to pay for implants tax-free