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 insurance and not covered under 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 easy to sign up for. 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 2021

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 for over 50 years, with an "A (Excellent)" rating from AM Best, depending on the region. The company has several Better Business Bureau pages and each region has a different rating. 

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 may also qualify for group coverage through an employer or by applying through The Marketplace. The Marketplace—a.k.a. Healthcare.gov—is 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. The pre-treatment estimate explains what your plan covers, including whether you will exceed your maximum. It may also include payment options for the amount you're responsible for. DeltaCare® USA enrollees don't have coverage for dental implants.

Best for No Waiting Periods : Spirit Dental


Spirit Dental

Spirit Dental

  • No. Policy Types: 2
  • No. States Available: Contact for locations
  • Providers In Network: Not disclosed
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, a company operated by Direct Benefits, is an online marketplace for individual and group dental plans. Direct Benefits, Inc. has an A+ rating through the Better Business Bureau. 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. You will have dental insurance within three days—which is a short waiting period compared to other options. 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: 50
  • 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 of the big insurance providers. 

Pros & Cons
Pros
  • Price shop between providers

  • Multiple plans

  • Low cost coverage

Cons
  • Mixed customer reviews

  • Customer service may be difficult to reach

  • Website is outdated

Overview

DentalPlans.com is an online marketplace for dental savings plans—a.k.a. dental discount plans. The Plantation, Florida-based company has been around since 1999 and offers an alternative to dental insurance.

They work with over 30 companies—including Aetna, Careington, and Cigna. As of this writing, the company isn't Better Business Bureau accredited, but they have an A+ rating.

For $80 to $200 per year, you can get access to a network of discounted dentists, according to Consumer Reports. 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. The company has 3.4 stars from 110 reviews on ConsumerAffairs. 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. The company has an "A (Excellent)" rating with AM Best and they have one of the five largest networks in the country. According to their website, their network providers charge 25% to 50% less than their regular rates.

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

  • PrimeStar® Protect 1000
  • PrimeStar® Protect Network 1000
  • PrimeStar® Protect 2000
  • PrimeStar® Protect Network 2000

These plans all offer 50% coverage for dental implants after the first year. But the maximum annual benefit may be under $2,000—which may not go far for costly procedures. There are no lifetime caps except for child orthodontics, according to a representative.

Ameritas offers a unique Dental Rewards® program, though. If you spend less than a certain amount every year, you can rollover 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: 372,000
Why We Chose It

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

Pros & Cons
Pros
  • Positive overall reviews on third party sites

  • 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 is another company with a long history. The Hartford, CT-based company has been around since 1853. Aetna has 50 years of experience in the dental insurance business with almost 13 million members. Their PPO network includes 120,000 dental providers. The company has an "A (Excellent)" rating with AM Best.

But according to their website, Aetna’s dental insurance, Aetna® Dental Direct, may not be the best option for implants. Instead, they suggest using Aetna® Vital Savings. For $110 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 can also 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 over 68,000 pharmacies, including chains like CVS® and Rite Aid®. 

Aetna® Vital Savings is the least expensive option on our list, and has generally positive consumer reviews. The plan has an A+ from the Better Business Bureau, and has 4 stars from 450 reviews on ConsumerAffairs.

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

  • Pays 100% of preventative services

Cons
  • Yearly benefits cap

  • Need to contact for coverage areas

  • Implant restrictions

Overview

Renaissance Dental, which is part of the Renaissance Family of Companies, has over 55 years of experience with dental plans. The Renaissance Family of Companies covers 13.1 million people and pays over $3 billion in claims every year. The company has an "A (Excellent)" rating with AM Best.

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

Renaissance Dental offers four plans including:

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

Both Plan II and Plan III cover prosthodontic services—including implants—at 50% after twelve months. These plans offer coverage for one implant per tooth, per lifetime. The Essentials Plan doesn't offer coverage for implants. Renaissance Dental has a cap of $1,000 in benefits per year. But the plan pays 100% for preventative services like exams and cleanings twice per year.

One of the best perks of Renaissance Dental is access to hassle-free benefits. Their 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: 4
  • No. States Available: Contact for details 
  • Providers In Network: 93,000+
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

  • Cover more than 17 million Americans

Cons
  • Coverage restrictions on implants

  • Implants only covered on group plans

  • Need to contact for plan details

Overview

With more than 225 years of history, Cigna is another major insurance company. The company has a network of over 93,000 dentists at over 297,000 locations. They cover over seventeen million U.S. consumers, according to their website. Cigna has an “A (Excellent)” rating from AM Best.

Cigna offers three types of individual plans—Cigna Dental 1500, Cigna Dental 1000, Cigna Dental Preventative. But 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 four types of group dental plans including:

  • Cigna Dental Care® (DHMO)
  • Dental Preferred Provider Organization (DPPO)
  • Dental Exclusive Provider Organization (DEPO)
  • Dental Indemnity

Cigna Dental Care® (DHMO) offers dental implant coverage but there are some restrictions. 

  • Replacement of prosthesis over implants - once every five years
  • Surgical placement of dental implant - once per year
  • Replacement of surgical dental implant - once every five 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 
Not disclosed  $5,000 Contact for details
DentalPlans.com
Best Price
5+  140,000+ Varies 50
Ameritas
Best Rewards Program 
4+  Not disclosed  $2,000 Contact for details 
Aetna Vital Savings 
Best Value (Coverage for Price)
1 372,000 None Contact for details 
Renaissance
Best for Convenience 
$300,000  $1,000 Contact for details 
Cigna Dental Insurance 
Best Group Benefits
93,000+ 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 may also 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: The worst is to choose a plan and then find out the procedure you need done 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, you will want to 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. 

Frequently Asked Questions

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 preventative and non-routine procedures. Preventative care may include cleanings, exams, fluoride treatments, sealants, and x-rays. Non-routine 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 insurance typically costs $14 to $30 per month. Families can expect to pay $27 to $56 per month. Depending on your plan, you may also 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?

The short answer is 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 should also ask about the plan’s limits and any exclusions for pre-existing conditions.

Methodology

We researched and reviewed more than fifteen different 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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  5. Better Business Bureau. "Dentalplans.com." Accessed July 18, 2021.

  6. Consumer Reports. "Think Twice Before Buying Private Dental Insurance." Accessed July 18, 2021.

  7. ConsumerAffairs. "DentalPlans.com." Accessed July 18, 2021.

  8. AM Best. "Aetna Dental Inc. (a Texas corporation)." Accessed July 18, 2021.

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  13. American Academy of Implant Dentistry. "Types of Implants and Techniques." Accessed July 18, 2021.

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  15. America's Health Insurance Plans. "Guide to Dental Insurance." Accessed July 18, 2021.