Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Does Dental Insurance Cover Dental Implants

Many dental insurance plans do not cover dental implants. However, more and more companies are actually getting on board with the idea and offering this type of increasingly popular coverage.

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If you have a dental implant or are thinking of getting them at some point in the future, make sure that the dental insurance you purchase does indeed cover them.

Read the policy carefully to make sure that the type of implant you are looking for is covered by your policy. Like many types of restorative procedures, expect a waiting period of at least 12 months before coverage is available for dental implants.

Dental Implants Defined

Dental implants are essentially a surgically placed support that has been implanted in the bone of the mouth in order to hold artificial teeth, usually in the form of a bridge or denture. Bridges are artificial teeth replacements that are commonly used when only one or very few teeth are missing in each area. They are affixed to neighboring healthy teeth. Dentures have a plastic base that holds the artificial teeth and sits on the gums. They are used when larger numbers of teeth are missing.

There are a number of situations in which dental implants are a good choice. If you have missing teeth due to accidents, disorders, decay or any other reason, you should consider dental implants as a permanent solution. They are especially good for younger people and for senior citizens who have few dental issues.

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What to Do Before Buying Dental Insurance

Before you invest in dental insurance, you need to take the time to thoroughly investigate what the plan offers. If you are looking for dental insurance that will cover dental implants, be sure the policy you are planning to purchase will do that. Ask the necessary questions and investigate their guidelines. Some insurers look at dental implants as cosmetic dentistry, in which case such procedures will likely not be covered, as cosmetic dentistry rarely is. However, if there are situations in which the procedure is deemed medically necessary, it will be covered.

You should also look at the other options available to you for savings on dental implants. By opting for a dental discount plan instead of dental insurance, you may be able to save as much as you would with a traditional dental insurance plan when it comes to dental implants. In addition, you will likely be able to get your dental implants much more quickly than if you were to get the dental insurance plan with its long waiting periods.

Such plans are similar to a membership based program whereby you access special prices offered by specific providers only to people who belong to their plan. Discounted prices for services are pre-negotiated and can result in major savings for costly procedures. Just be sure that the provider you choose for the services remains with the program throughout the duration of the implant procedure. You should also confirm the cost in writing prior to beginning.

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Finding the Right Dental Insurance

In the quest for the right dental insurance, make sure you check out the type of coverage a company offers to be sure it is exactly what you need. Read the small details of the policy you are considering before you commit to it. Make sure that the policy allows you access to the dentist you want to use, if you have a preference. In order to find the policy that meets your needs, you can get multiple quotes to examine and compare by using the free online dental insurance quotes tool.

Start by inputting your zip code in the quote tool and answering the questions related to your dental health. Your information will then be submitted to a variety of insurers offering dental coverage in your area. In no time you will begin to receive quotes that you can compare and contrast to help you find the best coverage possible to meet your dental health needs.

Enter your zip code to compare online insurance quotes now!

As a part of the selection process, make sure that you evaluate how well the insurer does in terms of customer service. Check on how many complaints and what types of complaints have been lodged with the state department of insurance for each company you are considering. You can also learn a lot by doing an online search for complaints or reviews of the company by name. By arming yourself with such knowledge you will be equipped to choose the best possible coverage.

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