Dental implants replace the root of your tooth with permanent, screwlike posts and artificial teeth that can look exactly like real ones. Dental implants feel and work just like natural teeth and are made to last for several decades. Dentures, by comparison, may need to be replaced after as few as five years. Dental insurance for implants may cover some or all of the associated costs.
The best dental insurance for implants offers affordable options from companies with good reputations, have industry experience, and offer coverage tailored to your specific dental needs.
Best Overall : Delta Dental Insurance
Delta offers multiple dental policies, is available nationwide, and provides quotes online.
Apply online for a free quote
Dental implants covered by many plans
Coverage tailored to your needs
Annual maximums and deductibles
Pre-existing conditions not always covered
50% coverage for major procedures like dental implants
Delta Dental, founded in 1954, has grown into a well-known dental insurance provider that currently insures more than 80 million Americans. Plans are designed for individuals, families, retirees, and small businesses. You can choose from among PPO, HMO, and Direct Dental Plans with varying coverage options and deductibles to accommodate your needs.
Delta Dental plans vary in cost and coverage depending on where you live, but you can apply for a free quote online by heading to the Delta Dental website and entering your zip code. There are four types of plans for individuals that you can purchase to cover implants:
- PPO plans cover preventive care and discounts on dental services.
- Dental Health Maintenance Organization (DHMO) plans focus on preventive dentistry, so they come with minimal or no copayments on preventive care.
- Patient Direct plans offer discounts for a panel of dentists in your area.
- Dental Premier plans charge a fee per service, meaning you won’t pay more than your copay and deductible in any given year for covered services.
Delta Dental covers 100% of routine and preventive diagnostic procedures, 80% of basic procedures like fillings, root canals, and extractions, and 50% of major procedures like bridges and implants. Note that waiting periods, annual maximums, and deductibles apply, and these can drastically reduce the amount of coverage you can use toward implants.
Not all policies cover pre-existing conditions such as missing teeth, so you don't expect to be able to purchase insurance for dental implants if your teeth already are missing.
The amount you will pay for a dental insurance plan with Delta Dental depends on where you live, your age, the number of people you need coverage for, and the plan you select. However, basic PPO plans can start at around $20 per month, and premium PPO plans can cost you up to around $65 per month for a 40-year-old individual.
Runner Up, Best Overall : Denali Dental
Denali Dental plans can be tailored to cover your needs, are available in many states, and the coverage amounts increase each year.
Secure a higher level of coverage the longer you wait
Major services like implants covered in many plans
Tailor your dental insurance coverage
$6,000 maximum for individual and family plans
Prices varied around the country
Not available in 15 states
Denali Dental has been insuring people for dental care for more than 60 years. This coverage is underwritten by Renaissance Life & Health Insurance Company of America, which boasts an "A" rating for financial strength from AM Best.
This company offers two variations of coverage that includes dental implants:
- The Denali Summit Plan provides 100% coverage for preventive services, 50% for diagnostic services, and 30% for basic and major services in the first year. Coverage amounts grow through the fourth year, when you get 60% coverage for basic and major procedures.
- The Denali Ridge Plan provides 100% for preventive services, 50% for diagnostic services, and 10% for basic and major services in the first year. Coverage amounts grow through the fourth year, when coverage for diagnostic services increases to 80% and coverage for basic and major procedures increases to 50%.
Implants are included in the major procedures category, which means you’ll have only limited coverage for this area of your dental health each year. Also, note that an annual maximum applies for individual and family plans and that a one-time lifetime deductible of $100 to $200 will apply as well, depending on the plan you have.
The amount you’ll pay for a plan varies widely depending on who you’re buying coverage for, the plan you select, and where you live. The premium for an individual Denali Summit Plan can range from $52 to $107.
Best for No Waiting Period : Spirit Dental & Vision
We chose Spirit Dental & Vision because coverage starts immediately, and there is no waiting period.
No waiting periods on plans; coverage starts immediately
Get a free quote online
Major services like dental implants covered
Pre-existing conditions, including missing teeth, not covered
Graduated annual maximums; low annual coverage limits applied until the third year of coverage
Spirit Dental & Vision is an online storefront operated by Direct Benefits Inc., a major insurance provider. This coverage is underwritten by Ameritas Life Insurance Corp, which boasts an A rating from AM Best and an A+ rating from Standard & Poor’s for financial strength.
Spirit Dental & Vision offers coverage that includes dental implants as well as other major services. A dental insurance plan for an individual with $1,200 in coverage the first year, $2,500 in coverage the second year, and $5,000 in coverage the third year and beyond can start at $60 per month. All plans have an annual deductible of $100.
Spirit also is known for having coverage that doesn’t require a waiting period, although coverage for implants doesn’t apply to teeth that already were missing. Pricing varies depending on factors such as how many people are on your plan and where you live.
Best Value : Ameritas
Ameritas offers plans for major procedures that provide coverage up to the limits, and you can get a free quote online.
No waiting period on multiple plans
Implants included up to coverage limits
Free quote online
Limited first-year coverage amounts
Low coverage the first year
Ameritas offers dental coverage directly to consumers with an A rating from AM Best and an A+ rating from Standard & Poor’s for financial strength. This company was founded in 1887 and started offering dental insurance in 1959.
Benefits start from day one with many of its insurance plans, and preventive visits are covered at 100% when you use an in-network provider. Like other providers, however, Ameritas offers plans that vary widely in terms of coverage and cost depending on your age, where you live, and other factors.
Annual maximums apply to the company dental insurance plans, which may be as low as $1,000 or $2,000, based on the quotes we received. Also, its dental plans cover up to only 20% of major procedures such as dental implants for the first year and up to 50% after the first year.
Cost depends on an array of factors, but a dental plan for one person with a maximum benefit of $2,000 per year, including dental implants, can be around $50 per month.
Best Group Benefits : Cigna Dental
Cigna is a highly rated company with two group plans for employers to offer that cover implants.
Strong financial ratings
Premier group benefits plan
Limited plan details available on website
Implants not covered by all plans
When it comes to group dental insurance coverage, it’s hard to beat Cigna Dental. Coverage that includes dental implants is available for employers to purchase for their employees, and it comes in two forms:
- Cigna Dental Care DHMO plans include coverage for dental implants, crowns, and even teeth whitening, and you can save with copayments, coinsurance, and discounts.
- Cigna Plus Savings is a dental discount plan that lets participants save money on all dental procedures with participating providers.
The exact benefits are difficult to obtain since these are group plans implemented by employers and quotes are not available. Employers must connect with an insurance agent to determine how much it will cost for each employee.
Some limitations apply to implants, including that you are limited to one replacement of a crown, inlay, or prosthesis over an implant every five years. The surgical addition of an implant is also limited to one per year, and the replacement of current dental implants is limited to one every 10 years.
All of our best dental insurance providers for implants have different pros and cons. Some have large networks of nationwide providers and others offer tailor-made policies. Some companies are backed by larger insurance companies with strong financial ratings and others offer low deductibles.
Overall, we recommend checking out Delta Dental Insurance. The company offers four different plans for implants, is available nationwide, and you can apply for a free quote online.
Compare the Best Dental Insurance for Implants
|Company||Plans (#)||Coverage Limit||Deductible||Providers In-Network||Waiting Period|
|Delta Dental Insurance
|4||Varies||Varies||Hundreds||Usually 12 months|
|2||$6,000||$100-$200||Contact for details||None|
|Spirit Dental & Vision
Best for No Waiting Period
|Multiple||Up to $5,000||$100||Contact for details||None|
|Multiple||$2,000||Varies||Enter zip code to find providers||None on some plans|
Best Group Benefits
|2||Varies||Varies||Contact for details||Contact for details|
Guide to Choosing the Best Dental Insurance for Implants
Do You Need Dental Insurance for Implants?
It’s always a good idea to explore your options to determine if dental insurance for implants is the way to go for you. First, assess your needs and determine if implants are the best choice or if you should consider some other options such as dentures. Then, get some prices for implants with and without insurance.
Dental insurance that covers 50% of your implants still may save you thousands of dollars.
Comparing Dental Insurance for Implants
It’s important to shop around and compare the different plans and companies so you know that you’re getting the coverage you need at the best available price. When comparing dental insurance for implants, you want to get a fair comparison, so compare and contrast deductibles, monthly payments, services and procedures covered, waiting periods, and in-network providers. Make sure coverage is offered in your state and research the company’s reputation, reviews, and ratings.
Choosing Dental Insurance for Implants
There are several important consideration points to keep in mind when choosing dental insurance for implants. Consider how easy it is to apply, get a quote online, how you can manage your account, and if the company offers any extra perks or discounts.
Keep the following in mind when choosing dental insurance for implants:
- Coverage options: You want to research what type of coverage options are available, how many plans there are, what each plan offers, and their respective costs.
- Sign-up process: How easy it is to sign up is important. Can you sign up online or do you need to sign up with an agent over the phone?
- Geographic availability: Find out where the company offers coverage and then check out the providers in your area that accept this type of insurance.
- Customization: Find out if plans can be customized and how you would do that. You want to pay for the coverage that you need and not things you won’t use.
What Is Dental Insurance for Implants?
Dental insurance for implants is important because many basic dental insurance policies don’t cover major procedures or surgery to replace newly missing teeth. Since dental implants are expensive, having that extra coverage for a percentage of the cost can help make dental implants considerably more affordable.
There are two main types of dental implants. According to the American Academy of Implant Dentistry, endosteal implants are placed in the jawbone, and subperiosteal implants are placed under the gum but above the jawbone.
Endosteal implants often are preferred, but subperiosteal implants make more sense for patients who don’t have enough healthy jawbone and don’t want to endure another procedure to improve their jawbone strength for endosteal implants.
What Does Dental Implant Insurance Typically Exclude?
Dental insurance typically excludes procedures for cosmetic procedures such as teeth whitening and complicated oral surgeries that need to be handled in a hospital setting.
While the insurance plans we highlighted do cover dental implants, it’s important to consider how much this coverage will help. Many dental insurance plans have annual maximum limits of a few thousand dollars, which will cover only so much when you’re planning a pricey dental implant procedure. Deductibles also can apply, as well as coinsurance or copayments that require you to pay more out-of-pocket outside of your monthly insurance premiums.
Many dental implant insurance policies won’t pay for implants for teeth that already are missing when you sign up. In the same way that you can’t buy homeowners insurance once your house is already on fire, you can’t buy dental implant insurance for teeth that already are missing.
What Are the Expected Costs of Dental Implant Insurance?
How much you’ll pay for dental insurance depends on how much coverage you want, your age, and other factors. Also, on top of your monthly insurance premiums, you may need to pay coinsurance or copayments when you visit a dentist, and you’ll likely face an annual out-of-pocket maximum for coverage.
Each plan covers a percentage of preventive, basic, and major procedures, after which you’ll pay out of pocket. For example, the least expensive plan, Denali Ridge, covers 100% of preventive care but only 80% of diagnostic care and 50% of major dental work.
Note that deductibles also apply for these plans and could range from $100 to $200 or more, depending on the plan you select.
Is Paying for Dental Implant Insurance Worth It?
Paying for dental insurance with the hope of getting coverage for dental implants can be worth it, but it all depends on your unique situation and how much dental work you need. With annual maximums on policies coming in as low as $1,000 in some cases, it’s important to make sure you select a dental insurance plan that offers enough coverage to actually help with the cost of dental implants. Many policies cover only a percentage of major services, so you’ll need to be prepared to pay for the rest of your implant surgery yourself.
Having some coverage is usually better than having none. Plus, dental insurance can kick in to pay for preventive care like cleanings and X-rays, as well as any fillings work you need to be done over the course of the year.
Before you pay for a dental insurance plan, make sure to shop around among plans to find the best deal. You should look for a plan with a high annual maximum coverage amount, low copayments and out-of-pocket costs, and a monthly premium you can afford.
When carefully selecting the best dental insurance for implants, we compiled a list of the top 20 dental insurance plans to find companies that offer coverage for dental implants. We compared waiting periods, the annual maximum coverage amounts, and evaluated if those amounts were fair and reasonable. We looked for dental insurance providers that boast strong independent rankings for solid financial strength and a good industry reputation for quality service. Lastly, we assigned categories to the best dental insurance for implants companies.