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Does Dental Insurance Cover Implants?

March 26, 2024

While dental implants are a favored option for replacing missing teeth, the big question remains: Does dental insurance cover Implants? Well, The answer is it varies. It all depends on your specific dental insurance plan, as each plan is unique. Every dental insurance plan differs in terms of covered procedures and reimbursement rates. 

So, does dental insurance cover implants? Let us find out.

Understanding Dental Insurance Coverage

Many insurance companies regard dental implants as purely cosmetic and not medically necessary, resulting in a lack of coverage. However, individuals who are missing teeth understand the importance of replacing them for their health and well-being.

To get coverage for your dental implant procedure, you may need to use both medical and dental insurance, depending on why you need them. It's wise to review your insurance policy to see if dental implants are included in the coverage you received when you started the policy. Before starting treatment, it's important to ask your insurance company questions to avoid surprises.

Here are some questions to ask about your dental insurance coverage:

  • Does your plan cover dental implants cost?
  • What percentage of the procedure does the insurance policy cover?
  • What is the annual maximum out-of-pocket cost?
  • Do I need to get a referral before receiving dental implants?

Your dentist's office staff can assist in coordinating with your insurance company to determine your coverage based on the treatment plan.

Is Implant treatment included in my Insurance?dental insurance for dental implant

Determining whether your insurance covers implants requires understanding the different aspects of treatment and the level of mouth preparation needed. The extent of coverage also hinges on whether you're undergoing a full restorative arch or replacing one or two missing teeth.

Tooth Extraction:

The necessity for tooth extraction procedure depends on whether teeth are already missing or if a damaged tooth requires extraction before replacement. Most insurance companies fully or partially cover this procedure as part of dental implant treatment if the damaged tooth remains.

Bone Grafting:

Some patients may require reinforcement of their underlying jawbone before the implant procedure to ensure stability and security. Despite its importance, this step may not be covered by insurance.

Inserting the Implant:

The procedure for implant placement is classified as a "major" dental procedure. However, do not be intimidated by the term "major" as it primarily reflects the cost rather than the intensity of treatment. Certain dental insurance plans cover up to 50 percent of major procedures.

Attaching the Artificial Tooth:

The artificial tooth, known as a crown in dental terms, mimics the appearance and function of a natural tooth and is also categorized as a major procedure. Nonetheless, some insurance plans treat this similarly to crowning a tooth to address decay and may cover a larger portion of the cost. It's best to inquire directly with your insurance provider to confirm coverage.

What Does Dental Insurance Typically Cover?

Unfortunately, there's no standard answer to this question. Every insurance plan varies, and some don't cover dental implants at all.

Generally, most dental implant insurance policies contribute to a portion of the procedure's cost.

However, the coverage percentage differs widely between policies. Some plans may cover only 50% of the expense, while others may cover up to 70%. It all depends on the specifics of your policy.

Certain policies also set a maximum dollar amount they'll pay for dental implants.

For example, a policy might have a yearly maximum payout of $2,000 for dental implants. If your procedure costs exceed $2,000, you'll need to pay the excess out of pocket.


So, Does Dental Insurance Cover Implants? While coverage for dental implants varies from one insurance plan to another, understanding the details of the coverage can help you make good decisions about your dental health. You must review your policy, ask questions, and explore options to maximize your benefits and access the dental care you need.

Ready to explore your options for dental implants in Arlington, VA?

Take the next step towards a confident smile! Contact Arlington Dental Excellence in Arlington, VA, and schedule your consultation with our expert today. For new patients, dial (703) 420-3253, while existing patients can reach us at (703) 525-0157. Your journey to dental health begins here!


Does dental insurance typically cover dental implants?

Dental insurance coverage for implants varies widely among insurance plans. Some may offer partial coverage, while others may not cover implants at all. It's essential to review your policy details to understand your coverage.

How can I determine if my dental insurance covers implants?

Review your policy documents or contact your insurance provider directly to determine if your dental insurance covers implants. They can provide information about your coverage for dental implant procedures.

What if my dental insurance doesn't cover implants?

If your dental insurance doesn't cover implants or offers limited coverage, you may explore alternative financing options or dental discount plans. Your dentist can also work with you to create a treatment plan that fits your budget and dental needs.

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