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Last Updated on February 14, 2023

How To Get Your Dental Implants Covered By Insurance? Do Insurance Cover Dental Implants?

How to get dental implants covered by insurance?

First of all, if you haven’t read our article on how to get grants from the government to have free implants, READ IT HERE.

The best company to get dental implant insurance like this is DentalPlans.

Chances are high that your current dental implant policy does not cover tooth implants because they usually consider this as a cosmetic procedure than an implant procedure.

This is unfortunate because it is often more than a cosmetic choice…In most cases, it is a mouth-saving choice. So life insurance plans do reimburse portions of the implant procedure depending on the health insurance policies. However, insurance policies often exclude pre-existing conditions.

There is a lot of pressure right now on insurance companies to make them cover dental implants so maybe in the near future they may cover this. But as of right now, the only thing you can do is try to file a claim with your insurance provider in order to get some reimbursement.

You will probably have some out-of-pocket expenses for a few dental procedures, even if you use medical insurance.

How To Find A Dental Insurance That Covers My Dental Implants?

The first thing you should do is to check your current dental insurance policy. There is a small chance it might be covered so the first step is to call them and ask.

If you happen to have a digital copy of your policy, just do a quick search for the keyword ¨dental implants ¨ by ( use Ctrl + F on a PC or Command + F on an Apple computer). This will show you everywhere in the document where it talks about dental implants. We feel this method is effective for replacing missing teeth.

An important thing to know is what your annual maximum is which is the max amount of money your policy can pay per year. Also, there are different types of dental implants. Keep in mind these dental implants feel just like natural teeth.


Ask Your Dentist


Dentists are used to getting asked about this topic often so they will know how to direct you to the right resources.


Indemnity Dental Insurance


This type of dental insurance allows you to pay for your dental implant out of pocket and the insurance provider reimburses you for it. In most cases, the dentist can set up a payment plan with you. Other names for this kind of insurance are “indemnity dental insurance”, “fee-for-service” and “traditional dental insurance”.

There is no exclusive network of approved providers for this type of insurance, which means you can visit any dentist. You will pay a deductible on the policy, and then after that, the insurance provider will cover the rest. In most cases, they cover about 60% of the dental “reasonable and customary” dental costs and then all the preventive care.

To make a summary; once you get the dental care, you then submit the dentist bills to the insurance company. If they approve it they will then proceed to reimburse a portion of the costs, including x-rays and other implant costs to ensure good oral health.

Of course, you want to make sure you know exactly what the insurance will cover before getting the dental implant.  Again, the best way is to simply call.

Again, make sure to read our article on how to get a grant from the government to get dental implants READ HERE.


Cost Of Dental Implants With Insurance.

How much will your dental implant cost once you found insurance?

It will depend on the cost of the dental implant, which varies a lot. Expected costs are between $1500 to $8000 without dental insurance. Dental Implant depends on many factors like; where the dental implant is being placed, the number of dental implants that are needed, etc. This ensures you have great oral health. The cost also depends on the plans and the nature of your tooth loss.

Again, this is a case-by-case basis and it depends on how much your dental insurance covers. The best thing is to call them and ask. 

Spirit Dental


Spirit Dental is another company that offers a fast and easy way to get dental insurance coverage.

It is pretty easy to get started with them, here are the steps;

Sign up for a plan on their website

-In about 8-10 days you will receive your ID card by mail

-You can then start using your card at every checkup


Their dental plans cover pretty much everything from regular checkups, cover cleanings, bridges, crowns, inlays, dentures, etc.

One of the biggest advantages of this company is there is no waiting period before you get accepted and you are pretty much guaranteed to get accepted. You will get a medical insurance coverage right away.

    The monthly dental plans premium depends on where you live and which dental plan or insurance plan you select, but they all have a $100 deductible.

Coverage Limitations


As you probably know, insurance companies are usually not covering everything.

Most of these companies won’t cover implants that were missing before getting these insurance plans. Also, if someone is missing one or more teeth before their effective date, they most likely won’t cover for this. Keep in mind many dental policies also have deductibles.


Do insurance cover dental implants? In most cases, the answer is no but make sure to call your insurance company.

Also Read: Permanent Denture Cost- Explained In Detail

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