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Dental Insurance That Covers Implants: Plans Like Delta and Cigna

Contributors:  
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?
  • Does Delta insurance cover dental implants? What about other brands?

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 dental finance options.

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 will partially cover implants. However, 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 do #dentalimplantscost ? It's one of the most common questions that we get on our YouTube Channel and Website. Dr. Joseph Nemeth and Dr. Amar Katranji are Periodontists located in Southfield, Michigan. They have taken some time to address this extremely common question. There are a few things to consider when inquiring about the cost of a #dentalimplant The amount of bone that you have in your jaw is extremely important. You need enough bone in order to support the dental implant. If there is inadequate bone, we will need to do some bone grafting. If a patient need a lot of bone grafting, it will definitely affect the cost of the implant. Next important thing to note is that the implant is essentially a screw that goes into the bone. The implant itself is a separate cost from the abutment and the crown the goes on top. So there are 3 different components that make up the cost of an implant. A dental implant by itself can cost anywhere from $1,000 – $4,000 depending on how much bone grafting is needed. The abutment and crown can range from $1,500 – $2,500 In total, you can expect your dental implant cost to be anywhere from $3,000 – $4,000 If bone grafting or a sinus lift or other procedures are necessary to build up the bone, then the associated costs of the implant could increase. Dr. Katranji has placed thousands of dental implants and is a revered Michigan periodontist specializing in dental implant placement, advanced bone grafting, and immediate fixed dentures. He is highly-skilled in effectively handling complex implant situations and has earned a reputation of being one of the area’s foremost experts on such cases. He is well published in prestigious professional journals and lectures internationally on periodontal and implant-related topics. He is also a Diplomate of the American Board of Periodontology and Dean’s Faculty at the University of Michigan School of Dentistry, Department of Periodontics. He stays active through regional involvement in committees dedicated to implants and periodontics and is the founder of a local dental implant study group. Dr. Katranji’s standard is to provide his patients with the finest in periodontal clinical care. His commitment to quality and excellence are evident in the success of his work. The cost of a dental implant has never been more affordable than today. Your days of struggling with dentures or enduring the heartbreak of missing teeth are over. We can rebuild your smile with natural looking, affordable dental implants! https://drnemeth.com/about-dental-implants/ If you have any questions or would like to schedule an appointment, please visit our website https://www.drnemeth.com We are happy to help you. Joseph R. Nemeth DDS & Associates 29829 Telegraph Road # 111 Southfield, MI 48034 (248) 357-3100 We DO NOT accept Medicare or Medicaid at our office. We require that a deposit be made prior to your appointment in order to reserve your time. Facebook: https://www.facebook.com/drjosephnemeth/ Twitter: https://twitter.com/drjosephnemeth Instagram: https://www.instagram.com/drnemethdds/ The information contained in the multimedia content (“Video Content”) has been made available for informational and educational purposes only. Joseph R. Nemeth, DDS & Associates does not make any representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the Video Content. Joseph R. Nemeth, DDS & Associates does not warrant the performance, effectiveness or applicability of any sites listed or linked to in any Video Content. The Video Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read or seen on the Site. Joseph R. Nemeth, DDS & Associates hereby disclaims any and all liability to any party for any direct, indirect, implied, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of the Video Content, which is provided as is, and without warranties.

How much does a tooth implant cost with insurance?

The tooth replacement cost with insurance 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, and what dental insurance covers implants, the first steps are easy enough. You can go to Dentalinsurance.com, the online marketplace that lets you search for the best dental insurance plans in your area. Just click the link below and enter your zip code and date of birth to get started.

While you're browsing the marketplace, you'll also find short videos with helpful tips for finding the best insurance plan for you. Plus, you can call 888-626-0057 to speak with one of their helpful licensed agents.

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 implants

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.

How much does Delta Dental cover for implants?

While Delta covers 100% of routine procedures, they cover 50% of major dental work like implants. There are downsides of these plans for Delta dental implants coverage. For instance, 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 your Delta dental implant cost will be 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 dental savings plan (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. Some people may also be eligible for a dental grant.

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 finding a cheap dentist without 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.

If you need help finding an insurance plan or a discount plan, for implants and for dental work in general, you can go to DentalInsurance.com and compare the best plans in your area. And if you find one you like, you can enrol directly.

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, 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. They aren't always cost-effective for insurance plans to cover.

Dental Insurance That Covers Implants: Plans Like Delta and Cigna
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Contributors:
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.