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Dental Insurance That Covers Implants: Plans for Delta, Cigna, and More

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dental insurance that covers implants
Insurance helps lower the cost of implants

Is it possible to find dental insurance that covers implants? The answer is yes, but the search isn't always easy. There are certain insurance companies that offer plans with implant coverage, such as Cigna, Delta, and others, but these plans also often come with high deductibles or limits and exclusions that leave the consumer with a hefty price to pay.

That being said, dental implants are the best way to replace missing teeth. They serve as a replacement for your actual tooth root, so they work and feel like natural teeth and are meant to last decades or even a lifetime. But since implants can be so expensive, it's necessary for most people to find a way to lower the costs. That's why in this article we'll talk about your implant dental insurance options while answering the following questions:

  • Does insurance cover dental implants?
  • How much does insurance pay for dental implants?
  • What does the tooth implant cost with insurance?

We'll also cover some alternatives like payment plans, loans, and other options. But for now, read on to find out more about dental insurance for implants.

Dental implant insurance

Coverage of dental implants can be offered as by dental insurance plans. Even if dental plans don't provide coverage for implants, they can be exorbitantly expensive when you factor in things like deductibles, premiums, and annual maximums.

That explains why half of adults over the age of 65 don't have dental insurance and only two-thirds of all Americans have private coverage.

Let's begin with a close look at how dental insurance for implants works, what implants cost with insurance, and how to get it.

Alternatively, if you're interested in knowing about other implant financing options, you can read our full guide to paying for dental work here.

Does dental insurance cover implants?

Many insurance companies don't cover dental implants because they consider it to be a cosmetic procedure. Some dental insurance plans cover implants, but even if you find a carrier that offers dental insurance, it may not be the best option for you when it comes to reducing the cost of your implants.

Why? Because many insurance policies have annual limits, and these limits usually aren't nearly enough to cover implants. Most annual limits range from $1,000 to $1,500. Then consider that a single dental implant can cost anywhere from $1,500 to $6,000, so chances are, you'll still be paying the bulk of the cost.

Then there's the fact that insurance companies tend to limit treatment if you have preexisting conditions. So, that may mean that your policy won't cover treatments for teeth missing before your policy begins. In this case, for your insurance to cover implants you would have to lose your tooth while you already have the insurance.

Companies also make sure that you don't buy insurance just because a tooth starts to go bad by having a 6- or 12-month waiting period from the time you sign up to the time your coverage kicks in.

Finally, there are the dreaded monthly premiums. Thankfully, they're much lower for dental insurance than they are for health insurance, but for a plan that covers dental implants, you could pay up to $80 per month.

Why are implants so expensive?

A lot goes into placing dental implants. Implants themselves are made of three parts: the implant, the abutment, and the crown. And then there are the service costs you need to think of. In the video below, two dentists from Michigan explain exactly why implants cost what they do.

How much does a tooth implant cost with insurance?

The tooth replacement cost with insurance is can be anywhere from 50% to 80% of the cost without insurance, and in some cases, your insurance company might only cover 10% of the cost. Also, don't forget that there's the annual limit that may very well be below the cost of your implants. So the dental implant cost with insurance could still be quite high.

As we mentioned above, without dental insurance, your implants could cost anywhere from $1,500 to $6,000 for a single implant. The cost varies so much because the price of your dental implants will depend on many factors, including:

  • The condition of your gums and teeth
  • Your oral health in general
  • Your jawbone density
  • Whether or not you need additional surgery
  • Whether or not you need upper or lower implants
  • The type of implant you get
  • Your location

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

Dental Implants
2 2_hover
Implant
$ 0
Qty:
0
1 1_hover
Abutment
$ 0
Qty:
0
3 3_hover
Select type of crown
$ 0
Qty:
0
Full metal crown
Full ceramic crown
Metal-ceramic crown
Zirconium crown
Additional Costs
$ 0,00

Total estimated cost

Treatment cost breakdown
Additional Costs
This tool is intended as a guide and all prices are approximate. Please visit a dentist for a personal quotation.

How to find dental insurance that covers implants

If you are wondering how to get dental implants covered by insurance, the first steps are easy enough. You can go to EasyDentalQuotes.com. It's an online marketplace that lets you search specifically for dental implants plans in your area. To search, you don't have to enter any personal information, just click the link below and enter your zip code to get started.

What insurance covers dental implants?

It can be difficult to find insurance providers that cover implants, but we've sifted through the many plans out there to find a few that do offer implant coverage. So now, let's take a look at some of the dental implant insurance providers.

Delta Dental

Does Delta Dental cover implants?

Yes, but with some caveats. Delta dental implant coverage can come from two of their plan options: Delta Dental PPO and Delta Dental Premier. The PPO plan lets you choose any licensed dentist anywhere, but you can save the most money by visiting an in-network dentist. The services that are covered are paid based on a percentage of the dentist's fee.

Delta Dental Premier for implant coverage is a fee-for-service plan that also lets you visit any licensed dentist that you want, but by visiting an in-network dentist, Delta can ensure that you pay no more than your co-insurance percentage as specified by your coverage.

While Delta covers 100% of routine procedures, they cover 50% of major dental work like implants. The downside of these plans for Delta dental implants coverage is that these plans have waiting periods, annual maximums and deductibles, and some policies don't cover preexisting conditions, which includes missing teeth. That means that you can't purchase this insurance for dental implants if you already have missing teeth.

Delta cautions that if you are enrolled in one of their implant coverage plans, you should always ask your dentist for a pre-treatment estimate before you begin treatment so that you're clear on how much you will have to pay and how much the plan will cover.

Denali

Denali dental insurance can be found under their PPO plans, which include the Summit, Peak, and Ridge plans:

dental insurance plans that cover implants
Some plans increase coverage every year
  • Summit: The Summit plan covers 100% for preventative services and 30% for major services like implants during the first year. In the second year, it changes to 40% coverage, 50% in the third year, and 60% in the fourth year.
  • Peak: The Peak plan offers 80% coverage for preventative services and 30% for major services in the first year, 40% in the second year, 50% in the third year, and 60% in the fourth year.
  • Ridge: The Ridge plan offers 10% for preventative services and 10% for major services in the first year, 25% in the second year, 40% in the third year, and 50% in the fourth year.

The annual maximum for a Denali PPO is $6,000, which is quite a bit higher than many other plans offer. They also tend to keep deductibles rather low ($100 in some cases) so you don't have to break the bank before coverage kicks in.

Cigna

Cigna offers dental insurance that covers implants and dentures, but only as group coverage purchased by an employer. The biggest benefit is that with these plans there are no annual maximums.

However, limits do apply to implants, including that you can only have one surgical implant placed per year. Also, you can only replace a current dental implant once every 10 years. Not all Cigna group plans cover implants, so make sure you discuss this with your HR rep before starting treatment to make sure you fully understand the terms.

What is the best dental insurance for implants?

What's the best dental plan for implants? There is no one-size-fits-all answer.

What may be the best plan for some may not be the best plan for others. The truth is, there is no magical plan that has high annual maximums, low monthly premiums, low deductibles, no waiting periods, and no limit on preexisting conditions. No matter the plan you choose, you'll end up paying—the only question is when. Despite the limitations of insurance, for some people this may be a good option for helping lower the costs for dental implants.

For many people, however, there are other options that are just as good, if not better. Let's have a look at them now.

Alternatives to implant insurance

Some of the alternatives to insurance for implants include discount plans, payment plans, and even personal loans. Read on to discover the best option for you.

dental implant insurance for individuals
There are other ways to pay for your implants

Savings/discount plans

A savings or dental discount plan is sort of like dental insurance, except that while an insurance plan covers some of your expenses for dental work with an annual maximum and monthly premium, a discount plan doesn't pay your expenses. Instead, it offers discounted prices on dental work in exchange for an annual fee. This is often a much more affordable option than insurance and even more useful for discounting dental procedures like implants.

Loans

Another option for financing your dental implants is taking out a personal dental loan. A loan gives you the money to pay for your treatment upfront, letting you pay back the loan in an agreed timeframe. Most loans have interest rates, which is a percentage of a loan that you have to pay to the lender. This is how lenders make money off of providing loans. Some loans might have a 0% interest rate for a set amount of time, but if you don't pay your loan back within that period, these rates tend to skyrocket.

You can use SuperMoney's loan search engine to find a dental loan for your implants. It lets you compare loans from various providers; you may even be able to find loans that don't require a credit check.

Just make sure that before taking out a loan you understand the terms and penalties if you don't make your payments back in time.

Payment plans

A payment plan is sort of like a dental loan and is offered when your dentist has arrangements with a third-party finance company that helps spread out the cost of your treatment. Before signing on to a payment plan, make sure you know how long you have until you have to complete making your payments. If you don't complete your payments in time, your interest rates could become much higher.

Learn more about your options for dental payment plans here.

Summary of options

Have a look at the following table for a summary of your main financing options for implants, including insurance, payment plans, discount plans and loans:

Type Advantages Disadvantages
Insurance May cover up to 50% of implant cost Waiting periods, high deductibles, low annual maximums, limitations on preexisting conditions
Payment plans Can cover the entire cost of implants If you aren't able to pay back what you owe on time, you have to pay high interest rates
Discount plans Offers discounted implant prices Implants may still be expensive with discounts
Loans Can cover the entire cost of implants If you aren't able to pay back what you owe on time, you have to pay high interest rates

If you would like to find out about other ways to find affordable dental care, you can read our guides on free dental implants and dental work with no insurance.

Conclusion

There are some insurance companies that offer coverage for dental implants, and for some people, implant insurance is the best way to save on this expensive but necessary procedure. The disadvantages of dental insurance plans for implants, however, is that they often have high deductibles, low yearly maximums, and limitations for preexisting conditions, including if you have missing teeth.

It's worth searching for an insurance plan, but if you can't find one, you can consider alternatives like payment plans, discount plans, or personal dental loans.

FAQs

Is there a dental insurance that covers implants with no waiting period?

There are some insurance plans that cover implants with no waiting period, including one offered by Spirit Dental; however, these plans don't cover implants for teeth that are missing prior to having a policy.

Does Cigna cover dental implants?

Cigna has plans that provide coverage for dental implants, but only as a group plan purchased by your employer. These plans have no annual maximums but may have other limitations. Confirm with your HR representative before you enroll.

Why doesn't dental insurance cover implants?

Some insurance companies do offer plans that cover dental implants. But many don't and the ones that do often have strict limitations. This is because implants are an extremely expensive procedure and aren't always cost-effective for insurance plans to cover.

Dental Insurance That Covers Implants: Plans for Delta, Cigna, and More
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Contributors:
Natalie Asmussen
Natalie Asmussen
Natalie Asmussen on LinkedinNatalie Asmussen on Website
Natalie used to work as a Community Health Worker and Health Insurance Navigator. She continues to follow her passion for connecting people with the healthcare they need by writing informative content about dentistry and medicine.
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