Best Dental Insurance for Implants

Delta Dental is our choice for the best dental insurance for implants

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Dental insurance for implants is a specialty type of dental coverage that may not be included in your regular dental insurance policy. Implant insurance usually covers a portion of the expenses related to getting implants but not the entire cost. Maximum annual benefits vary by company, as do types of coverage.

The best dental insurance for implants will be offered from a reputable provider and has an easy sign-up process. It will have multiple plans to choose from, no waiting periods, and comprehensive coverage for implants and other dental services and procedures.

Best Dental Insurance Plans for Implants of 2022

Best Overall : Delta Dental Insurance


Delta Dental Insurance

Delta Dental Insurance

  • No. Policy Types: 4
  • No. States Available: 50
  • Providers In Network: 156,000+
Why We Chose It

Delta Dental Insurance has a large network of providers, offers multiple policies, and is available nationwide.

Pros & Cons
Pros
  • Country’s largest dental insurance provider

  • Offers four plans

  • Online quotes

Cons
  • Missing teeth may not be covered

  • Some pre-existing conditions aren’t covered

  • Annual maximums apply

Overview

Delta Dental Insurance, the country's largest dental insurance provider, offers coverage to 80 million Americans in all 50 states and Puerto Rico. The company contracts with approximately 156,000 dentists. Delta Dental has been in business since 1966, with an "A (Excellent)" rating from AM Best, depending on the region.  

Delta Dental offers four types of plans, including:

  • Dental PPO dental plans
  • Dental HMO (fixed copayment dental plans)
  • Fee-for-service dental plans
  • Dental discount plans

You also may qualify for group coverage through an employer or by applying through The Marketplace, the federal government’s online platform to shop for health insurance. Some states have their own marketplaces. The monthly premiums for Delta Dental vary by plan and location.

You may qualify for dental implants coverage with a Delta Dental PPO or Delta Dental Premier plan, but you will need to ask for a pre-treatment estimate first. This explains what your plan covers, including whether you will exceed your maximum. It also may include payment options for the amount you're responsible for. DeltaCare USA enrollees may not have coverage for dental implants.

Best for No Waiting Periods : Spirit Dental


Spirit Dental

Spirit Dental

  • No. Policy Types: 2
  • No. States Available: 50
  • Providers In Network: 111,500
Why We Chose It

The provider offers two plans to choose from, and in most cases, there isn’t a waiting period to use your coverage.

Pros & Cons
Pros
  • Individual and group plans

  • Online quote

  • Low annual deductible

Cons
  • Low initial policy maximums

  • Missing teeth not covered for implants

  • Maximum coverage limit

Overview

Spirit Dental & Vision, operated by Direct Benefits, is an online marketplace for individual and group dental plans. The insurance is underwritten by Ameritas Life Insurance Corporation. Ameritas has an "A (Excellent)" rating with AM Best. 

Spirit Dental offers two dental insurance options:

  • Spirit Network Dental Insurance
  • Spirit Choice Dental Insurance

Both plans offer coverage for implants, and you will have dental insurance within one day. In addition, you will have a one-time, lifetime deductible of $100 and the annual maximum coverage is $5,000. The monthly premiums vary by state.

There is an important exception to the services offered by Spirit Dental, however. If you have missing teeth before signing up, Spirit Dental won’t cover those implants.

Best Price : DentalPlans.com


DentalPlans.com

DentalPlans.com

  • No. Policy Types: 5+
  • No. States Available: 48
  • Providers In Network: 140,000+
Why We Chose It

DentalPlans.com offers savings on dental insurance through its online marketplace, and it works with 30 major insurance providers.

Pros & Cons
Pros
  • Price shop between providers

  • Multiple plans

  • Low cost coverage

Cons
  • Customer service may be difficult to reach

  • Website is outdated

Overview

DentalPlans.com is an online marketplace for dental savings plans, also known as dental discount plans. This Florida-based company has been around since 1999 and offers an alternative to dental insurance. It works with more than 30 companies including Aetna, Careington, and Cigna.

DentalPlans.com says you can save 20% to 25% on the cost of dental implants, but you need to know what you are signing up for. Third-party review sites give the company mixed feedback. Several verified reviews have complained the service is difficult to cancel.

Best Rewards Program : Ameritas


Ameritas

Ameritas

  • No. Policy Types: 4+
  • No. States Available: Enter zip code for coverage 
  • Providers In Network: Not disclosed
Why We Chose It

Ameritas offers rewards programs that offer unused benefits as rollovers that can be used in the future for procedures.

Pros & Cons
Pros
  • Dental rewards program

  • Large provider network

  • Multiple plans

Cons
  • Low maximum coverage amounts and limits

  • Must input zip code to find out if coverage is offered there

  • Lifetime caps on child orthodontics

Overview

Ameritas is another long-standing insurance company with a history dating back to 1887. It has an "A (Excellent)" rating with AM Best, and one of the five largest networks in the country. According to its website, its network providers charge 20% to 40% less than regular regional rates.

Ameritas offers a few plan options, depending on where you live. These include:

  • PrimeStar Value
  • PrimeStar Access
  • PrimeStar Total

While Value offers only 15% coverage of Implants, Access and Total both offer 50% coverage after the first 12 months. However, the maximum annual benefit for plans only goes as high as $2,000—which may not go far for costly procedures. There are no lifetime caps except for child orthodontics, according to a representative.

Ameritas also offers a Dental Rewards program. If you spend less than a certain amount every year, you can roll over money for future procedures. This could be handy for something more costly, like dental implants.

Best Value (Coverage for Price) : Aetna Vital Savings


Aetna® Vital Savings

Aetna® Vital Savings

  • No. Policy Types:
  • No. States Available: Contact for details 
  • Providers In Network: 262,000
Why We Chose It

Aetna Vital Savings offers discounts on dental procedures and prescription drugs.

Pros & Cons
Pros
  • Affordable policy

  • No waiting periods

Cons
  • Procedures aren’t fully covered

  • Only one plan for implants

  • Must contact company for geographical coverage areas

Overview

Aetna, based in Hartford, Connecticut, has been around since 1853. It has 50 years of experience in the dental insurance business with almost 13 million members. Its PPO network includes more than 120,000 dental providers, and the company has an "A (Excellent)" rating with AM Best.

According to its website, Aetna’s dental insurance—Aetna Dental Direct—may not be the best option for implants. Instead, it suggests using Aetna Vital Savings. For $125 per year, you get access to 15% to 50% discounts on dental procedures. Aetna Vital Savings allows pre-existing conditions, like missing teeth, and you can skip waiting periods. Because Aetna Vital Savings is a dental discount plan, there are no waiting periods and no annual or lifetime caps.

You also can sign up for the Dental Plus Rx for discounts on generic and brand-name prescription drugs. The card offers discounts from 12% to 60% at more than 68,000 pharmacies, including chains like CVS and Rite Aid.

Aetna Vital Savings is the least expensive option on our list, and it has generally positive consumer reviews.

Best for Convenience : Renaissance


Renaissance

Renaissance

  • No. Policy Types: 4
  • No. States Available: Contact for details 
  • Providers In Network: 300,000+
Why We Chose It

Renaissance offers hassle-free benefits, and the network files claims on your behalf. 

Pros & Cons
Pros
  • Multiple plans

  • No waiting for reimbursements

  • Some plans pay 100% of preventative services

Cons
  • Yearly benefits cap

  • Need to contact for coverage areas

  • Implant restrictions

Overview

Renaissance Dental is part of the Renaissance Family of Companies, which was founded in 1957. The Renaissance Family of Companies covers 13.1 million people and pays $3 billion in claims every year. The company has an "A+ (Excellent)" rating with AM Best.

Renaissance Dental PPO network offers nationwide access to more than 300,000 dental locations. According to its website, its Indianapolis-based support team answers 99% of calls on first contact.

Renaissance Dental offers four plans:

  • Plan II
  • Plan III
  • Essentials Plan
  • Health Savings Card

Plans II and III cover prosthodontic services—including implants—at 50% after 12 months. These plans offer coverage for one implant per tooth, per lifetime. The Essentials Plan doesn't offer coverage for implants, but it pays 100% for preventive services like exams and cleanings twice per year. Renaissance Dental has a cap of $1,000 in benefits per year for all three of these plans.

One of the best perks of Renaissance Dental is access to hassle-free benefits. Its nationwide PPO network files claims on your behalf. This allows you to skip the paperwork and inconvenience of waiting for reimbursements.

Best Group Benefits : Cigna Dental Insurance


Cigna Dental Insurance

Cigna Dental Insurance

  • No. Policy Types: 5
  • No. States Available: Contact for details 
  • Providers In Network: 92,700+
Why We Chose It

Cigna offers multiple types of individual and group plans and a large provider network.

Pros & Cons
Pros
  • Long standing reputable provider

  • Multiple plan choices

  • Covers more than 18 million Americans

Cons
  • Coverage restrictions on implants

  • Implants only covered on group plans

  • Need to contact for plan details

Overview

Founded in 1792, Cigna is another major insurance company. It has a network of more than 92,700 dentists at more than 309,000 locations, and it covers more than 18 million U.S. consumers, according to its website. Cigna has an “A (Excellent)” rating from AM Best.

Cigna offers three types of individual plans—Cigna Dental 1500, Cigna Dental 1000, and Cigna Dental Preventive. Unfortunately, these individual plans don't offer coverage for dental implants. If you have a group plan through your employer, though, you'll be in a better position with coverage.

Cigna offers five types of group dental plans, including:

  • Cigna Dental Care (DHMO)
  • Dental Preferred Provider Organization (DPPO)
  • Dental Exclusive Provider Organization (DEPO)
  • Cigna Traditional
  • CignaPlus Savings

Cigna Dental Care (DHMO) offers dental implant coverage, but there are some restrictions:

  • Surgical placement of the dental implant itself is not covered
  • Replacement of prosthesis over implants once every five years
  • Replacement of surgical dental implant once every 10 years

These limits could be a challenge if you need coverage for more than one dental implant.

Final Verdict

Some companies on our list of the best dental insurance for implants offer no waiting periods so you can use your coverage immediately. Others have low maximum coverage limits and limited coverage the first year, making procedures more costly with out-of-pocket expenses. Overall, we recommend checking out Delta Dental Insurance. The company has a large provider network and multiple plans to choose from.

Compare The Best Dental Insurance for Implants

Company Plans (#)  Providers In-Network (#)  Coverage Limit ($)  No. States Available 
Delta Dental Insurance
Best Overall
4 156,000+ Varies 50
Spirit Dental
Best for No Waiting Periods 
111,500  $5,000 50
DentalPlans.com
Best Price
5+  140,000+ Varies 48
Ameritas
Best Rewards Program 
4+  Not disclosed  $2,000 Contact for details 
Aetna Vital Savings
Best Value (Coverage for Price)
1 262,000 None Contact for details 
Renaissance
Best for Convenience 
300,000+  $1,000 Contact for details 
Cigna Dental Insurance
Best Group Benefits
92,700+ Varies Contact for details 

Guide to Choosing the Best Dental Insurance for Implants

Do You Need Dental Insurance for Implants?

When deciding if dental insurance for implants is right for you, consider things like the condition of your teeth and if implants have been recommended to you by your dentist. Dental implants may be a better alternative to dentures, and implants may be able to replace missing or broken teeth. Dental insurance for implants also may provide coverage for your implant procedure which will reduce your out-of-pocket costs. However, keep in mind that some plans don’t cover missing teeth, so if you already have missing teeth, this type of insurance may not be the right option for you. 

Comparing Dental Insurance for Implants

As is the case with all insurance providers, it’s beneficial to shop around before making a decision. It’s important to consider the following when comparing dental insurance for implants:

  • Number of plans: How many plans does the company offer? Know the details of each plan so you can make an educated decision about which plan is best for you. Multiple plans can be beneficial because you can compare them and choose the coverage that best suits your needs.
  • Waiting periods: Find out if there is a waiting period before selecting your insurance plan. Some companies let you use your coverage right away, and others may require a waiting period until your coverage goes into effect. You don’t want to schedule a procedure and find out you’re still in the waiting period.
  • Coverage areas: Not all insurance is accepted everywhere. Find out if the plan you’re interested in covers procedures in your city and state and if there are in-network providers in your area.
  • Exclusions: You don't want to choose a plan and then find out the procedure you need is excluded from the policy. Make sure to find out the exclusions ahead of time.

Choosing Dental Insurance for Implants

When choosing dental insurance for implants, consider a few important factors, including how to get a quote and sign up for a policy, as well as how you can manage your account once you sign up. If you want to do everything online, then choose a provider that offers a high-tech, easy-to-navigate website with online quotes and online account management. Look into other features such as mobile apps, customer service availability, and any extra features or discounts.

What Is Dental Insurance for Implants?

While many dental insurance providers won't offer coverage for dental implants, some can reduce your out-of-pocket costs. It depends on the specifics of your procedure, provider, coverage details, and plan limits. You can start the process by learning more about your procedure. 

There are two types of dental implants:

  • Endosteal: placed in your jawbone, as an artificial root
  • Subperiosteal: placed under the gum, but over the jawbone

If your insurance company won’t cover these, ask for the allowance you may have used for a bridge or dentures. You may also qualify for financing or a payment plan.

What Does Dental Implant Insurance Typically Include?

Every dental insurance plan is different, but you can expect to see coverage or a discount for preventive and nonroutine procedures. Preventive care may include cleanings, exams, fluoride treatments, sealants, and x-rays. Nonroutine coverage may include crowns, dentures, extractions, fillings, root canals, implants, and more.

What Does Dental Implant Insurance Typically Exclude?

Dental insurance doesn't usually cover cosmetic procedures—like teeth whitening. These plans also skip the coverage you get through medical insurance. For example, you may not have dental insurance coverage for complicated oral surgery.

What are the Expected Costs of Dental Implant Insurance?

For individuals, dental implant insurance typically costs $14 to $30 per month. Families can expect to pay $27 to $56 per month. Depending on your plan, you also may have a deductible, copayments, and coinsurance. Every company offers different coverage, though, and most plans won't cover the full cost of dental implants.

Is Paying for Dental Implant Insurance Worth It?

It depends. If your company offers access to a comprehensive group dental insurance policy, it may be worth it. Make sure dental implants aren't excluded before you start paying for monthly premiums. You also should ask about the plan’s limits and any exclusions for pre-existing conditions.

How We Chose the Best Dental Insurance Plans for Implants

We researched and reviewed more than 15 different providers of dental insurance for implants. We researched company reviews and financial strength ratings so you’re aware of the type of company offering insurance policies, as well as how long they have been in business. We also considered the type and number of plans offered as well as coverage areas and coverage limits. Additionally, we compared waiting periods and applicable discounts.

Article Sources

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  2. Healthcare.gov. "Health Insurance Marketplace." Accessed Jan. 13, 2022.

  3. AM Best. "AM Best Affirms Credit Ratings of Ameritas Life Insurance Corp. and Its Subsidiary." Accessed Jan. 13, 2022.

  4. AM Best. "AM Best Affirms Credit Ratings of CVS Health Corporation’s Aetna Subsidiaries." Accessed Jan. 13, 2022.

  5. AM Best. "AM Best Affirms Credit Ratings of RenaissanceRe Holdings Ltd. and Its Main Subsidiaries." Accessed Jan. 13, 2022.

  6. AM Best. "AM Best Assigns Credit Ratings to CIGNA Global Insurance Company Limited." Accessed Jan. 13, 2022.

  7. American Academy of Implant Dentistry. "Types of Implants and Techniques." Accessed Jan. 13, 2022.

  8. American Academy of Implant Dentistry. "Value and Cost." Accessed Jan. 13, 2022.

  9. America's Health Insurance Plans. "Guide to Dental Insurance." Accessed Jan. 13, 2022.