Best Dental Insurance for Implants

Get costly dental implants covered for less

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When you need to replace a tooth, dental implants are one of the best long-term solutions. They are a popular option because they look and feel like natural teeth—with about a 95% survival rate.

The problem is dental implants are more expensive than getting a bridge or dentures. The price for a single implant can be $1,600 to $2,200 and even more depending on a variety of factors. What's worse, many dental insurance plans consider implants cosmetic and won't cover the procedure. If you're ready to compare dental insurance for implants, these are your best options.

Best Dental Insurance Plans for Implants in 2021

Best Overall : Delta Dental Insurance

Delta Dental Insurance

Delta Dental Insurance

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)" or "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

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

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 3.6 stars from 103 reviews on ConsumerAffairs. Several verified reviews have complained the service is difficult to cancel. 

Best Rewards Program : Ameritas

Ameritas

Ameritas

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

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 over 13 million members. Their PPO network includes 372,000 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 213 reviews on ConsumerAffairs.

Best for Convenience : Renaissance

Renaissance

Renaissance

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

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. 

FAQs

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.

How We Chose the Dental Implant Insurance Companies

Shopping for dental insurance isn't easy—especially when you’re looking for dental implant coverage. We looked at several factors to find the best options for dental implants. We considered each company's history and reputation. We analyzed policy coverage, nationwide availability, and waiting periods. We also compared annual and lifetime policy caps. 

Article Sources

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  2. American Dental Association. "Tooth Implant vs Bridge: What Top Dentists Are Recommending?" Accessed Dec. 16, 2020.

  3. Healthcare.gov. "Health Insurance Marketplace." Accessed Dec. 15, 2020.

  4. Better Business Bureau. "Direct Benefits, Inc." Accessed Dec. 15, 2020.

  5. AM Best. "AM Best Affirms Credit Ratings of Ameritas Life Insurance Corp. and Its Subsidiary." Accessed Dec. 15, 2020.

  6. Better Business Bureau. "Dentalplans.com." Accessed Dec. 15, 2020.

  7. Consumer Reports. "Think Twice Before Buying Private Dental Insurance." Accessed Dec. 15, 2020.

  8. ConsumerAffairs. "DentalPlans.com." Accessed Dec. 15, 2020.

  9. AM Best. "Aetna Dental Inc. (a Texas corporation)." Accessed Dec. 15, 2020.

  10. Better Business Bureau. "Vital Savings by Aetna." Accessed Dec. 15, 2020.

  11. ConsumerAffairs. "Aetna Dental Insurance." Accessed Dec. 15, 2020.

  12. Renaissance. "Renaissance Insurance Companies Earn “A” (Excellent) Ratings From A.M. Best With Stable Outlooks." Accessed Dec. 15, 2020.

  13. AM Best. "AM Best Assigns Credit Ratings to CIGNA Global Insurance Company Limited." Accessed Dec. 15, 2020.

  14. American Academy of Implant Dentistry. "Types of Implants and Techniques." Accessed Dec. 16, 2020.

  15. American Academy of Implant Dentistry. "Are Dental Implants Covered By Insurance?" Accessed Dec. 16, 2020.

  16. America's Health Insurance Plans. "Guide to Dental Insurance." Accessed Dec. 16, 2020.