Does Dental Insurance Cover Implants?

Dental implants are generally not covered by most dental insurance plans, according to WebMD. However, there are some exceptions based on the individual insurance policy and the cause of tooth loss necessitating the implant. Many dentists also participate in popular dental financing plans.

As of 2015, some Humana dental plans offer dental implants when undertaken as a major service. There is a $1,500 maximum benefit for implants, and they are subject to the annual maximum when covered under an individual policy.

Many dentists participate in dental financing programs, including Care Credit, which is a product offered by GE. This type of plan is a healthcare credit card that allows patients to finance the cost of dental treatment for procedures such as dental implants. An online application is available, and approvals are based on credit ratings.

The cost of full-mouth reconstructive implants can range from $24,000 to $100,000, according to Care Credit. The Care Credit card can be used for paying for out-of-pocket expenses that are not covered by dental insurance or that exceed a dental plan’s maximum annual limit for particular procedures. The card can also be used to pay dental insurance copayments and deductibles that are normally paid out of pocket.