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The Best Dental Insurance for Implants on the Marketplace

Dental implants are an excellent option for replacing missing teeth. If you lost a tooth due to age, decay, or an accident, an implant might be the ideal solution because it’s long-lasting and looks and functions just like a real tooth. 

Although dental implants can provide a host of benefits, they can cost thousands, so they might be out of reach if you need to pay for them completely out of pocket. Thankfully, you can get valuable support by shopping for the best dental insurance for implants, and we’ve compiled the list below to help you find the right provider for your preferences and budget.

 

6 of the top dental insurance carriers


 1. Spirit Dental & Vision

The nice thing about Spirit is their plans may come with a high annual maximum (upwards of $5,000), so that can be helpful when you need to undergo expensive treatments and procedures. Although they do have a missing tooth clause, they don’t impose a waiting period, even on major services, and they provide coverage for dental implants. 

2. Denali Dental & Vision

With a high annual maximum (up to $6,000) and plans that cover a percentage of major services, Denali can be another smart choice when shopping for dental insurance that covers implants. Plus, they offer plans without waiting periods, and you may be able to choose from a large network of dentists, which can be useful if you’re hoping to find more affordable providers. 

3. Renaissance

Renaissance offers plans that cover a percentage of the cost of dental implants, and they may have a high annual maximum that can also help ensure you’ll save money when needing major services. However, there may be a deductible that you’ll need to cover each year, so that’s one out-of-pocket expense to keep in mind. 

4. Delta Dental

With a high annual maximum (up to $6,000) and plans that cover a percentage of major services, Denali can be another smart choice when shopping for dental insurance that covers implants. Plus, they offer plans without waiting periods, and you may be able to choose from a large network of dentists, which can be useful if you’re hoping to find more affordable providers. 

 5. California Dental

California Dental offers a plan that can help cover the cost of dental implants, even if your teeth are already missing when you sign up. This insurer provides affordable options with low premiums, no deductibles, low copays, and no waiting periods. And you can also find plans with an unlimited annual max. 


Compare dental insurance for implants on the Direct Benefits Marketplace

When you’re shopping for dental insurance, you have a lot of options to choose from, so you can select the policy that will give you the coverage you want. But because there are so many plans available, figuring out which one is right for you can be a daunting process. After all, different plans offer varying levels of coverage. 

On the Direct Benefits Marketplace, you can quickly and easily search for dental insurance plans that not only match your needs but also fit your budget. Whether you’re on the hunt for comprehensive insurance that also covers orthodontics or you want to get the best supplemental dental insurance for implants, we make it easy to find and compare plans. Then, it’s simply a matter of signing up whenever you’re ready. 

 

How to choose the best insurance for dental implants 

Keep in mind that not all policies will cover implants. Also, because the average cost of a single implant is over $1,000, it’s wise to read the fine print when you’re searching for insurance that will cover this procedure.

In addition to confirming that a plan covers major services and implants, consider the following:

• Out-of-pocket fees might include a copay, deductible, and coinsurance, as well as your monthly premium. Calculate how much you’d need to pay on your own when undergoing an implant procedure. 
 
• Check the annual maximum, which is the amount that an insurer would be willing to pay each year to cover your dental care. This can impact how much you’ll need to pay out-of-pocket for a dental implant.  
 
• If you need to stick with an in-network dentist to receive coverage, but you already have a dental professional that you’d prefer using, ask if they accept the policy before signing up for it. 
 
• If you don’t want to wait to receive dental care, narrow your options to the best dental insurance for implants with no waiting period. 

Common questions about dental insurance for implants

What does dental implant insurance typically cover?

Generally, insurance for dental implants will cover a portion of the cost of the procedure and the implant itself. 

The percentage that’s covered will vary from one plan to the next. For instance, if dental implants are considered a major service that’s covered at 50%, your insurer will pay for half of the bill and you’ll be responsible for the rest. 

Some people need to undergo other treatments before they can get a dental implant. For example, your dentist might need to extract a problematic tooth or you might need a bone graft to ensure your mouth is strong enough for an implant. If that’s the case, your insurance policy might help cover the cost of those procedures too. 

Dental implants require multiple appointments, as the procedure is completed in stages. Read the fine print before enrolling in a plan. That way, you can be sure you understand exactly what will be covered versus what you’ll be responsible for. 

What is not covered by dental implant insurance?

Dental plans may have limitations and exclusions. When searching for a policy that covers implants, look for pre-existing condition exclusions, such as a missing tooth clause that states an implant won’t be covered if you lost a tooth prior to enrollment. 

Some insurance companies provide little to no coverage for cosmetic treatments and procedures. So, if an insurer considers dental implants a cosmetic procedure, you may not get any support. 

How much does insurance for dental implants cost?

Coverage amounts and out-of-pocket fees will determine how expensive a policy will be. Other factors, such as your age, location, and coverage for out-of-network dentists, could also affect how much you’ll need to pay for a plan. 
 
Ultimately, you might be pleasantly surprised by how affordable dental insurance for implants can be. Signing up is simple, and once your plan is active, you can start saving money.