Dental Implants & Insurance: What’s Covered (and What Isn’t)

Does insurance help with dental implants? The answer isn’t always simple, but we’ll break down what’s covered, what’s not, and the best ways to save thousands on your treatment.

Are Dental Implants Covered by Insurance? Let’s Break It Down

Dental implants are a game-changing solution for replacing missing teeth, but they come at a cost. If you’re wondering whether dental insurance covers implants, the answer isn’t always straightforward. While some insurance providers partially cover dental implants, many classify them as an elective or cosmetic procedure which means you could be left paying out of pocket.

Don’t worry we’ll show you how to save money, find coverage, and explore alternative payment options to make dental implants more affordable.

💡 Need a flexible payment option? We accept Affirm, so you can get the care you need now and pay over time!

What Parts of Dental Implants Are Covered by Insurance?

🦷 The Implant Post & Placement Surgery

Some insurance plans cover the surgical placement of the implant if it’s deemed medically necessary. This typically applies when implants are needed due to trauma, disease, or severe tooth loss affecting your ability to eat and speak.

🦷 The Crown (Artificial Tooth)

Many dental insurance plans will cover the crown portion of your implant because it falls under restorative dental procedures, similar to traditional crowns or bridges.

🦷 Bone Grafting (If Needed)

If you have experienced bone loss, a bone graft may be required before implant placement. Some insurance providers cover bone grafting if it’s necessary to support the implant.

💡 Not sure if you need a bone graft? Read our Guide to Bone Grafting & Implants to learn more!

What’s Usually NOT Covered?

🚨 Full Implant Costs – Many insurance companies classify implants as cosmetic, which means they won’t fully cover the procedure.
🚨 Anesthesia or Sedation Fees – Some plans may only cover basic local anesthesia, leaving you to pay for IV sedation or general anesthesia out of pocket.
🚨 Upgrades to Premium Materials – If you choose porcelain or zirconia crowns, expect to pay extra for premium materials.

💡 Still comparing costs? Read our Dentures vs. Implants Cost Guide to find the most budget-friendly option!

How to Save Money on Dental Implants

1️⃣ Use an HSA or FSA to Pay Tax-Free

• A Health Savings Account (HSA) or Flexible Spending Account (FSA) lets you set aside pre-tax money to cover qualified dental expenses, including implants.
  
• If your insurance doesn’t cover implants, using these accounts reduces your out-of-pocket costs.
  

2️⃣ Finance Your Implants with Affirm

• We accept Affirm, so you can split your payments into manageable monthly installments instead of paying the full cost upfront.
  4️⃣ Check if Medical Insurance Can Help

• If your tooth loss is due to a medical condition or accident, your health insurance may help cover some of the costs.
  
• You may need to provide supporting medical documentation to your insurer.
  

💡 Need help finding an insurance plan? Read our Best Dental Insurance for Implants Guide for top-rated providers!

3️⃣ Look for Dental Discount Plans

• Unlike traditional insurance, dental discount plans offer reduced rates on major dental procedures, including implants.
  
• Many discount plans have no waiting period and provide immediate savings.
  

Final Thoughts: Don’t Let Cost Stop You from Getting Dental Implants

While dental insurance may not cover 100% of implant costs, there are plenty of ways to make them more affordable. From using HSA/FSA accounts to financing through Affirm, you have options to get the smile you deserve—without breaking the bank.

💡 Ready to take the next step? Book a consultation today and let’s find the best way to make implants work for your budget!

FAQs About Dental Implants & Insurance

Does dental insurance cover implants?

Some insurance plans cover certain parts of the procedure, like the crown or bone grafting, but many don’t cover the full implant cost.

Can medical insurance pay for dental implants?

Yes! If you lost a tooth due to injury, disease, or a medical condition, your health insurance may cover implant costs.

How much do dental implants cost without insurance?

A single implant can range from $3,000 to $6,000, while full arch implants can cost $15,000 to $30,000.

What’s the best way to afford dental implants?

Using HSA/FSA accounts, Affirm financing, and dental savings plans can help lower costs.

Does Medicare or Medicaid cover dental implants?

Traditional Medicare does not cover implants, but some Medicare Advantage plans may provide coverage. Medicaid coverage varies by state.

Can I get dental implants without insurance?

Yes! Many patients choose to finance their implants with Affirm, use HSA/FSA funds, or enroll in dental discount plans.

Are there lower-cost options for implants?

Yes! Some dental schools offer discounted implant procedures, and implant-supported dentures can be a more affordable alternative.