A prosthodontist assistant talk with a patient about their xrays during an implant consult

Are Dental Implants Covered By Insurance?

Dental implants have become a popular solution for individuals seeking to replace missing teeth and restore their smile’s functionality. However, one common question that arises is whether dental implants are covered by insurance. Understanding the ins and outs of dental implant insurance coverage can help you make an informed decision about whether dental insurance is right for you.

Benefits of Dental Insurance

Dental implants are artificial tooth roots made of titanium, surgically placed into the jawbone to support dental restorations such as crowns, bridges, or dentures. They offer a long-lasting, durable solution for individuals with missing teeth, improving not only their appearance but also their oral health. Some of the other benefits of dental implants include stability, enhanced chewing and speaking function, and bone loss prevention.

Does Insurance Cover Dental Implants?

Dental insurance typically covers preventive care and basic treatments like fillings and cleanings, while dental implants are considered a major cosmetic procedure. Although, implants are typically not covered by insurance due to their cosmetic nature, your policy plays a significant role in determining coverage. Some plans may offer partial coverage for certain aspects of the dental implant procedure, while others may exclude dental implants altogether. It is essential to review your policy carefully and speak with your insurance provider to understand your specific benefits.

Will Medical Insurance Cover Dental Implants?

Medical insurance may cover dental implants in certain situations, particularly when they are deemed “medically necessary”. Medical insurance might offer coverage for dental implants if tooth loss is a result of a medical condition, accident, or injury rather than a purely dental issue. For example, if a car accident caused dental trauma resulting in the loss of teeth, medical insurance might cover the cost of dental implants as part of the overall treatment for injuries.

Factors Impacting Implants Insurance Coverage

Dental implants insurance coverage can be influenced by several factors, which vary depending on the individual’s insurance plan and specific circumstances. Here are some key factors that impact dental implants insurance coverage:

Pre-existing Condition Clause

One common factor affecting dental implant coverage is the pre-existing condition clause. If you lost your teeth before obtaining the dental insurance policy, the insurer may classify dental implants as a pre-existing condition, reducing or eliminating coverage.

Waiting Periods

Some dental insurance plans impose waiting periods before they provide coverage for specific procedures, including dental implants. Waiting periods can range from a few months to a year or more. Patients should be aware of any waiting periods in their insurance policy to plan their dental implant treatment accordingly.

In-Network vs. Out-of-Network Providers

Some dental insurance plans have a network of preferred providers, and they may offer better coverage and lower out-of-pocket costs for treatments received from in-network dentists. Patients should inquire if their chosen dental implant provider is in-network to maximize their benefits.

Paying for Dental Implants Without Insurance

While dental insurance can help offset the cost of dental implants, not everyone has insurance coverage that includes this procedure. However, there are several alternative options available for individuals seeking to pay for dental implants out of pocket.


Many dental implant centers, including Mile High Dental Implant Centers, offer financing plans designed specifically for patients seeking dental implants without insurance coverage. These plans allow individuals to spread the cost of their treatment over manageable payments, making the procedure more affordable and accessible.

Prosthodontist assistant explaining the dental implants procedure to a patient

Personal Savings

For patients who have been saving for dental treatments, this is a viable option that also eliminates the need for interest payments associated with credit cards or some traditional financing. Additionally, if you have an HSA or FSA through your employer, you can use the funds to cover eligible dental expenses, including dental implants.

Personal Loans

Taking out a personal loan from a bank or credit union is another option for financing dental implants. However, it’s crucial to research interest rates and terms carefully to find the most favorable loan option.

While dental implant insurance coverage varies depending on your policy and individual circumstances, we are committed to assisting you throughout the process. Remember, dental implants are a long-term investment in your oral health and overall well-being. Mile High Dental Implant Centers offer financing options to help make implants more affordable for those who would benefit from them. Contact our team for a free consultation, and we’ll guide you through the financial process to help you achieve a beautiful, healthy smile that lasts a lifetime.

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