Dental Insurance That Covers Implants In Jul 2024 // No Waiting!

by Sa El

April 11, 2024

Seeing the price for dental implants can easily make you pull your hair out and figuring out how to pay for it can be even more painful.

Well, I’ve got news for you:

It’s pretty easy to find dental insurance that covers implants.​​

dental insurance that covers implants

In this post, I am going to explain to you why dental insurance is one of your best options when looking to get dental implant services or have a dental implant surgery.

What Are Dental Implants & How Do They Work

I like to think of dental implants as replacement teeth, sometimes you may only need one or two, and some people may need several teeth replaced.

How The Process Works

When you go to get a dental implant, the doctor is going to take some x-rays and molds of your teeth to determine the correct layout of your bite and mouth.

A Sinus Lift

They will also check to make sure you have enough remaining bone for an implant to fit into.

If it is determined that you don’t have enough bone, your next option will be to have your sinus lifted and bone graft added to your mouth.

If you have to get a sinus lift you can expect to add about 3 to 4 months of additional time before you can get your implant. 

First Round Of Surgery

Once this process is complete, the dentist will schedule the first round of surgery.  If you need the sinus lift your dentist should be able to perform both procedures at once.

Usually, it can take up to 6 months for the implants to completely fuse to your bone or bone grafting with a sinus lift.

You are probably going to need to wait for the healing process to complete before you can get your crown or bridge put permanently into place.


The process is going to vary based on each individual’s situation and needs.

A great benefit of getting a dental implant is that they have a success rate of up to 98% and with proper care, they can last a lifetime.

This process takes time and having the best dental implant insurance or plan is very important.


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Dental Insurance Alternatives

Below we discuss a few alternatives to dental insurance: 

No Waiting Periods

Unlike dental insurance, there are no waiting periods required with a dental savings plan, this means that you are covered for any procedure from day one.

No Deductibles

Another great benefit is that there aren’t any annual deductibles that need to be paid before your coverage goes into effect.

No Annual Limits

The biggest downside to a dental insurance policy is that there are annual maximums. This means that once you hit that annual maximum, you will no longer have any coverage for the rest of the year and will have to pay out of pocket 100%. You will not have this issue with a dental savings plan since there are not any annual maximums.

No Pre-Authorizations Before Treatment

You also don’t have to reach out to anyone before you have a procedure completed, this is important to note because you can easily find yourself unable to get a procedure if the insurance company doesn’t approve it.

No Paperwork

This product is hassle-free, and no claims forms will be required because savings happen at the dentist’s office when having the procedure.

Everyone Is Approved

There isn’t any guessing when it comes to purchasing a dental savings or discount plan. Everyone is going to be approved for this plan from the start no matter your pre-existing medical conditions.

Hopefully, you are able to see why the best dental insurance for implants is actually not insurance at all. When it comes to getting the most savings on your dental implant, you want to get a dental savings plan from day one.


Dental Insurance by state.

What Is The Average Cost Of A Dental Implant?

The average cost for a dental implant is going to be between $1,000 to $3,000 for just one implant, then you will need to pay around $500 to $3,000 for the abutment and crown.

You will quickly find that not all dental implants cost the same amount because of factors such as: 

dental implant insurance

Your Location

If your dentist has high rent, they might be charging more for their service to cover costs.

Your dentist could also be purchasing your dental implant from a supplier who charges more and my send those charges over to you.

I would recommend reaching out to a few of the doctors in the network to compare initial pricing.

The Number of Implants

Like anything that you buy, the more of it you get, the higher the price is going to be, and this holds true with implants as well.

If you find yourself in need of more than one implant the cost is going to increase; however, your doctor may recommend a more cost-effective option like a bridge.

The Implant Type

If your dentist goes for something constructed out of titanium you are going to be looking at a higher price.  

I recommend discussing the different material options with your dentist to see which option will give you both quality and the best price.

Your Dentist’s Years Of Experience

The more experience a dentist has, the higher they are probably going to charge to complete a procedure.

In my personal opinion, I say to always go with the most experienced when you can because you want something like this done the first time correctly.

If You Will Need A Sinus Lift

If you need a sinus lift you will need to add another $1,500 to $2,000 to the costs. This means in total, you will be looking at anywhere between $3,000 to $8,000 for just one implant. Needing more than one implant can range from $3,000 to $30,000 and in some cases up to $100,000 in costs.

Taking Action

Finding dental insurance that covers implants isn’t complicated but understanding what your plan covers could be.

There isn’t a way to get low cost dental implants, but you can lower your total cost by purchasing either dental insurance or a dental discount plan.

Either way, having any type of coverage is 100% better than having no coverage at all. 

About the author 

Sa El