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Are Dental Implants Covered By Insurance

Are Dental Implants Covered By Insurance

Dental implants are covered by insurance, depending on the plan. Dental implant insurance may cover dental bridges but not all dental implants. Some dental insurance plans cover some dental implant treatments but not all.

Although the dental implant treatment can take several months, you may not need to cover all of the expenses at once.

What Is A Dental Implant?

Dental implants are surgical elements used to replace missing teeth. It works as an artificial tooth root that is put in the jawbone beneath the gum line.

Titanium, a biocompatible material that merges with the jawbone in a process known as osseointegration, is usually used for the implant.

Are Dental Implants Covered By Insurance

The American Academy of Implant Dentistry reports that 3 million Americans already have dental implants, and that figure is increasing by 500,000 annually. According to a study on dental implant trends, between 6% and 23% of Americans are expected to get dental implants by 2026.

According to the American Dental Association, dental implants can cost from $1,600 to $2,200 per tooth, or much more when restoration and sedation are taken into account.

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Here are how to get dental implants covered by insurance, financial tips regarding dental implants, including information on savings and insurance.

How To Get Dental Implants Covered by Insurance

Fortunately, navigating dental insurance coverage for implants is possible, and understanding the process can help you maximize your benefits. Here are seven (7) steps on how to get dental implants covered by insurance:

1. Review Your Insurance Policy:

Go over your dental insurance coverage in detail first. Implant coverage varies greatly across dental insurance plans and is not always provided. A portion of the implant operation may be covered by some plans, but not all of them. The details of your plan are important to understand.

2. Consult Your Dentist:

Make an appointment for a consultation with an oral surgeon or dentist. They may evaluate your oral health, go over your alternatives for treatment, and provide you with a thorough treatment plan that breaks down the expense. They can also help by supplying the paperwork that your insurance provider needs.

3. Check For Waiting Periods:

Certain procedures, including implants, have waiting periods in some dental insurance policies. Check to see if there are any waiting periods before implant coverage becomes accessible under your plan. Planning ahead of time and understanding these waiting times might assist you in timing your therapy appropriately.

4. Preauthorization and Documentation:

Your dentist may need to file a preauthorization request with your insurance company before starting the implant operation.

This procedure requires thorough documentation, such as X-rays, treatment plans, and reasons for the need for implants. Working closely with your dentist is of the utmost importance during this stage.

Are Dental Implants Covered By Insurance
X-ray image of human tooth
X-ray image of the jawbone beneath the gum line from the Computer view

5. Understand Coverage Limitations:

Even if your insurance covers dental implants, there may be limitations or exclusions.

For instance, coverage might be limited to certain types of implants or specific stages of the procedure. Knowing these limitations in advance can help prevent unexpected expenses.

6. Appeal Denials If Necessary:

In some cases, insurance claims for dental implants may be denied initially. If you believe your claim was unjustly denied, you have the option to appeal the decision. Your dentist can assist in providing additional documentation or information to support your appeal.

7. Financial Planning:

If out-of-pocket costs are a problem, speak with your dentist’s office about payment plans or financing possibilities. Many dental practices offer flexible payment alternatives to help patients handle the cost of implant treatment.

Does Medical Insurance Cover Dental Implants?

Dental implants are rarely covered by health insurance. One exception could be if a major injury, such as one caused by a vehicle accident, resulted in mouth damage. In this instance, health insurance may cover dental implants deemed “medically necessary.”

Dental implants that are deemed medically necessary may also be covered by Medicare programs.

However, in most cases finding a dentist who can install implants and accepts health insurance or Medicare programs for dental surgery would be difficult to find.

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Explore Supplemental Coverage: Dental Implants with FSA or HSA Funds

Consider extra dental insurance, flexible spending accounts (FSAs), or health savings accounts (HSAs) if your insurance plan does not cover implants adequately. These choices can assist to reduce out-of-pocket costs.

Furthermore, you may be able to use a flexible spending account (FSA) or a health savings account (HSA) to offset the costs of your dental implant treatment. However, be certain that you comprehend the dental implant rules.


If your workplace provides an FSA, you may be able to use the funds to pay for a variety of out-of-pocket healthcare bills, including dental charges.

Be advised that you may be required to show a receipt for your implant as well as a doctor-signed note of medical necessity.


If you have an HSA, you can utilize the funds in the account to pay for dental procedures such as dental implants, but only if the implant is not purely cosmetic. A medical examination may be required.

A health savings account (HSA) is similar to an FSA in that it can be obtained through your company or on your own if you purchase your own insurance. To contribute to an HSA, you must also have a high-deductible health plan.


In summary, while getting dental implants covered by insurance can be difficult due to complexities and potential limitations, a thorough understanding of your insurance policy, proactive communication with your dentist, and careful planning can help maximize your coverage and make dental implants a more accessible option for restoring your smile and oral health.

Remember that each insurance plan is different, so it’s critical to confirm coverage details and restrictions with your insurance provider and dental specialists. You may secure coverage for dental implants and achieve a confident, healthy smile with diligence and intelligent decision-making.

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