Dental Insurance That Covers Implants And Crowns – Supported by readers. When you make a purchase through links on our site, we may earn an affiliate commission at no cost to you. To learn more.

In this article, we’ll look at dental insurance options that cover implants. We’ve taken a close look at all the variables a plan may have—deductibles, annual maximums, premiums, and waiting periods, to name a few—and have selected what we consider to be the best implant plans:

Dental Insurance That Covers Implants And Crowns

Dental Insurance That Covers Implants And Crowns

We will also look at some alternatives such as payment plans, loans and other options. In the meantime, read on to learn more about the best dental insurance for implants.

Dental Implant Costs: Different Types And How They Work

You can start comparing dental implant insurance plans now by visiting This convenient online marketplace makes it easy to search for dental insurance plans that also offer coverage for implants. They also have a friendly, licensed team of agents who are always ready to help you. Just call 888-626-0057 and ask your questions.

It can be difficult to find dental insurance providers that cover implants, but we reviewed many existing plans to find a few that do offer coverage for implants. So now let’s look at some implant insurance providers.

For implant coverage, we recommend two Humana Extend plans—the 2500 and 5000 Extend plans.

The 2500 Extend Plan is designed to prevent problems before they happen, and if problems do arise, you’ll get the help you need when you need it.

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Additionally, with these Humana plans, waiting periods can be waived for customers who have advance dental insurance. These are some of our best dental insurance plans that also cover root canals.

NCD plans, especially 3000 and 5000, are great for dental implants as they offer high maximum plans and waiting periods can be waived if you provide proof of previous dental insurance.

Both plans have low deductibles of just $50 per person per year and a maximum of $150 per family.

Dental Insurance That Covers Implants And Crowns

As with many plans in this tier, all preventive services are covered 100% with no waiting period, and services such as panoramic x-rays, sealants, amalgams and extractions are covered 80% with no waiting period.

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Implants and other major restorative services such as crowns and oral surgery are covered at 50%, and again, there is no waiting period if you have pre-coverage. If you do not do this, the waiting period is 12 months.

Both plans have a high annual maximum of $3,000, but with NCD 5,000 you can buy it and get an extra $2,000, leaving you plenty of room to pay for an implant—maybe even two.

Delta dental implants are covered under two plan options: Delta Dental PPO and Delta Dental Premier. A PPO plan allows you to choose any licensed dentist anywhere, but you can save more money by visiting an in-network dentist. Covered services are paid as a percentage of the dentist’s fee.

Delta Dental Premier for Implant Coverage is a fee-for-service plan that also allows you to see any licensed dentist you choose, but when you visit an in-network dentist, Delta can ensure that you only pay your coinsurance percentage as stated into your coverage.

Dental Implants And Care

While Delta covers 100% of routine procedures, they also cover 50% of major dental work, such as implant placement. These Delta dental implant coverage plans have their downsides. For example, these plans have waiting periods, annual maximums and deductibles, and some policies do not cover pre-existing conditions, including missing teeth.

Delta cautions that if you are enrolled in one of their implant coverage plans, you should always ask your dentist for an estimate before you begin treatment so that you know how much your Delta dental implant will cost, how much your Delta dental implant will cost. Delta dental implant. the plan will cover.

You can find Denali dental insurance in your PPO plans, which include Summit, Peak and Ridge plans:

Dental Insurance That Covers Implants And Crowns

The annual maximum for Denali PPO is $6,000, which is slightly higher than what many other plans offer. They also tend to keep deductibles fairly low ($100 in some cases), so you won’t have to break the bank before coverage kicks in.

Dental Implant Vs Crown: Which Option Is Right For You?

Cigna offers dental insurance that covers implants and dentures, but only as an employer-purchased group plan. The biggest benefit is that these plans have no annual maximums.

However, restrictions apply to implants, including that you can only have one surgical implant per year. Additionally, you can only replace your existing dental implant once every 10 years. Not all Cigna plans cover implants, so be sure to discuss this with your HR representative before starting treatment to make sure you fully understand the terms.

Finding insurance for dental implants can be difficult, mainly because these plans are more expensive and there are fewer plans offering dental implant insurance. Even insurance that doesn’t cover implants can be too expensive for many people.

We’re not talking about premiums—since dental insurance has them quite low compared to health insurance—but rather high deductibles and low annual maximums.

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This explains why half of adults over 65 do not have dental insurance and only two-thirds of all Americans have private insurance.

This is also a good time to learn about other options for financing implantation; You can read our complete guide to dental financing options.

To find the best dental implant insurance plans in your area, simply fill out the information below to receive a free, no-obligation comparison of plans.

Dental Insurance That Covers Implants And Crowns

Many insurance companies do not cover the cost of dental implants because implants are the most expensive option, so insurance companies prefer to cover cheaper clinical procedures such as crowns or dentures.

Will My Dental Insurance Cover Dental Implants?

If you find a plan that covers implants, your coverage will be partial and you should read the terms of the plan carefully.

Many insurance policies have annual limits, and these limits are usually not enough to cover implants. Most annual limits range from $1,000 to $1,500. Then consider that a single implant can cost between $1,500 and $6,000, so you’ll likely end up paying most of the cost anyway.

There is also the fact that insurance companies limit treatment if you have pre-existing conditions. Therefore, this may mean that your policy will not cover treatment for missing teeth before your policy begins. In this case, in order for your insurance to pay for the implants, you will have to lose the tooth while you already have insurance.

Companies also ensure that you don’t buy insurance just because you have a bad tooth by imposing a 6- or 12-month waiting period from the time you sign up until the coverage takes effect.

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Finally, there are the terrible monthly premiums. Luckily, dental insurance costs much less than health insurance, but you can pay up to $90 a month for a plan that covers dental implants.

A lot goes into installing dental implants. The implants themselves consist of three parts: the implant, the abutment and the crown. And you also need to think about the cost of maintenance.

Some places claim to be able to offer you extremely cheap implants for $399, but these low-cost offers include lower quality materials and less qualified medical professionals. If it seems too good to be true, it probably is.

Dental Insurance That Covers Implants And Crowns

The cost of a tooth replacement with insurance can range from 50% to 80% of the cost without insurance, and in some cases, your insurance company may only cover 10% of the cost. Also, don’t forget that there is an annual limit, which may well be lower than the cost of your implants. Thus, the cost of an implant, including health insurance, can still be quite high.

Dental Insurance Plans That Cover Implants

As we mentioned above, without comprehensive dental insurance, your implants can cost anywhere from $1,500 to $6,000 per implant. Cost varies greatly because the price of your dental implants will depend on many factors, including:

That being said, you can use our dental implant price calculator to get an idea of ​​how much you might have to pay:

This tool is intended as a guide and all prices are approximate. Please visit your dentist for a personalized quote.

If you’re wondering how to get insurance for dental implants and which dental insurance plan covers implants, the first steps are fairly simple. You can go to, an online marketplace that allows you to search for the best dental insurance plans in your area.

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As you browse the market, you’ll also find short videos with helpful tips on choosing the best dental insurance plan for you. Alternatively, you can call 888-626-0057 to speak with one of their helpful licensed agents.

If you’re looking for dental insurance that covers implants for missing teeth, there are several full coverage dental plans that provide 50 to 80% coverage for implants. Some of these plans include:

You may also want to consider dental savings plans (payment plans), which are not insurance but allow you to receive discounted services, including implants, with no waiting period, no deductible and no annual maximums.

Dental Insurance That Covers Implants And Crowns

You can search for both dental insurance plans and dental discount plans.

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