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While commonly thought of as an artificial tooth, a dental implant technically is the instrument (e.g. a metal post) surgically inserted into the jaw (or skull if it’s an upper tooth). The instrument functions similar to the original tooth root and on it a crown (or other device such as a bridge) is attached. Dental implants are a common restorative procedure for patients with a missing tooth. If an implant requires extensive work on the part of the dentist, the cost may reach several thousand dollars.
Comprehensive insurance coverage with implant benefits can greatly reduce a patient's out-of-pocket costs in this scenario, though it is important to note that insurance plans vary on their coverage of implants. Many plans classify implants as a form of “major” dental care. Major care represents higher cost dental services. These services may or may not be covered and, when covered, may still come with a waiting period restriction or a cap on implant expenses covered by the plan.
The cost of implant care varies by factors such as the number of teeth to be replaced, the dentist performing the procedure, the condition of the underlying bone, the material of the implant, etc. The estimated price range for a typical single tooth dental implant is from $3,000 to $6,700.
A 2023 study by DentalInsurance.com found about half (53 percent) of plans reviewed across the nationwide covered dental implant care.
Dental plans can cover implants in different ways. They can vary by the range of services insurance will pay for as well as the out-of-pocket cost obligations for the patient. Below are examples of differing coverage of implants among plans.
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Implants:
Implants:
Implants and implant supported prosthesis covered under this plan are limited to 1) the replacement of permanent teeth extracted while insured under this plan, or 2) the replacement of a prior Implant if it has been at least seven years since the prior insertion and is not, and cannot be, made serviceable.
Implants:
In-Network Coverage
In this example, the insurance plan increases its coverage for implant care the longer the enrollee belongs to the plan. The plan will only pay for care delivered by an in-network dentist.
Our agents can:
Now that you are educated on the basics of implant coverage, it’s time to start reviewing plans. There are many dental plans whose insurance benefits include implants. The below list provides examples of dental plans covering implants. Please make note that:
One last reminder - some plans listed may not be available in every region of the state in which it’s offered. Deductibles typically must be satisfied prior to insurance coverage.
| State | Insurance Company | Plan |
| Alabama | NCD Nationwide | 5000 Plan |
| 12-month waiting period before coverage is available. 50% of costs covered. Implants are covered on teeth extracted while on the plan. Implants and implant supported prosthesis covered under this plan are limited to; 1) the replacement of permanent teeth extracted while insured under this plan, or 2) the replacement of a prior Implant if it has been at least seven years since the prior insertion and is not and cannot be made serviceable. | ||
| Ameritas | Dallas Smile Plan | |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| Alaska | MetLife | TakeAlong Dental Medium |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
| Arizona | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| MetLife | TakeAlong Dental High | |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Arkansas | Renaissance Dental | Plan III |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| Guardian Direct | Advantage Diamond | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| California | California Dental Network | Plan 595 |
| No waiting period. $1500 copayment for surgical placement of implant body, endosteal. This includes cost of, and placement of, healing cap when indicated. | ||
| Dental Health Services | Super SmartSmile | |
| No waiting period. $1,500 for surgical placement of implant body. | ||
| Colorado | Anthem | Essential Choice Premier |
| 6-month waiting period before coverage is available. 50% of costs covered. | ||
| Renaissance Dental | Max Choice | |
| No waiting period. 20% of costs covered in first year of enrollment, 40% in the 2nd year, 50% in the 3rd year and after. | ||
| Connecticut | Anthem | Essential Choice Platinum |
| 6-month waiting period before coverage is available. 50% of costs covered. | ||
| Guardian Direct | Advantage Achiever | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| Delaware | Dominion National | Select Plan Basic |
| No waiting period. 15% discount on standard costs. | ||
| Dominion National | Select Plan Premium | |
| No waiting period. 15% discount on standard costs. | ||
| Florida | MetLife | TakeAlong Dental High |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Guardian Direct | Advantage Achiever | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| Georgia | MetLife | TakeAlong Dental Medium |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| NCD Nationwide | 3000 Plan | |
| 12-month waiting period before coverage is available. 50% of costs covered. Implants are covered on teeth extracted while on the plan. Implants and implant supported prosthesis covered under this plan are limited to; 1) the replacement of permanent teeth extracted while insured under this plan, or 2) the replacement of a prior Implant if it has been at least seven years since the prior insertion and is not and cannot be made serviceable. | ||
| Hawaii | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
| Idaho | Renaissance Dental | Plan II |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| Guardian Direct | Advantage Core | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| Illinois | MetLife | TakeAlong Dental High |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Ameritas | Dallas Smile Plan | |
| No waiting period before coverage is available. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| Indiana | Anthem | Essential Choice Platinum |
| 6-month waiting period before coverage is available. 50% of costs covered. | ||
| Anthem | Essential Choice Incentive | |
| No waiting period. 30% of costs covered in 1st year of enrollment, 40% in 2nd, and 50% in 3rd. | ||
| Iowa | Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
| No waiting period. 20% discount compared to standard cost. | ||
| NCD by MetLife | NCD Complete by MetLife | |
| No waiting period. 10% of costs covered in 1st year of enrollment, 50% in second year, and 60% in the 3rd year. $3,000 calendar year maximum benefit on implant care. One per tooth in 10 calendar years. | ||
| Kansas | Renaissance Dental | Plan III |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| Guardian Direct | Advantage Diamond | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| Kentucky | Delta Dental of Kentucky | Bright smiles |
| No waiting period. 25% of costs covered in the 1st year of enrollment, 50% in the 2nd year and later. | ||
| Delta Dental of Kentucky | Vibrant Smiles | |
| No waiting period. 25% of costs covered in the 1st year of enrollment, 40% in the 2nd year, 50% in the 3rd year and later. | ||
| Louisiana | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| MetLife | TakeAlong Dental Medium | |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Maine | Anthem | Essential Choice Incentive |
| No waiting period. 30% of costs covered in 1st year of enrollment, 40% in 2nd, and 50% in 3rd. | ||
| Renaissance Dental | Plan III | |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| Maryland | Dominion National | Select Plan Basic |
| No waiting period. 15% discount on standard rate. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
| Massachusetts | Guardian Direct | Advantage Core |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| Renaissance Dental | Plan II | |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| Michigan | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| MetLife | TakeAlong Dental High | |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Minnesota | Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
| No waiting period. 20% discount compared to standard cost. | ||
| Guardian Direct | Advantage Achiever | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| Mississippi | NCD Nationwide | 5000 Plan |
| 12-month waiting period before coverage is available. 50% of costs covered. Implants are covered on teeth extracted while on the plan. Implants and implant supported prosthesis covered under this plan are limited to; 1) the replacement of permanent teeth extracted while insured under this plan, or 2) the replacement of a prior Implant if it has been at least seven years since the prior insertion and is not and cannot be made serviceable. | ||
| Renaissance Dental | MAX Choice Plus | |
| No waiting period. 20% of costs covered in first year of enrollment, 40% in the 2nd year, 50% in the 3rd year and after. |
||
| Missouri | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
| Montana | Renaissance Dental | Plan III |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| MetLife | TakeAlong Dental Medium | |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Nebraska | Humana | Humana Extend 5000 |
| 6-month waiting period before coverage is available. One tooth per 5 years subject to review. 50% of costs covered in 1st year of enrollment, 60% in the 2nd and after. | ||
| NCD Nationwide | 5000 Plan | |
| 12-month waiting period before coverage is available. 50% of costs covered. Implants are covered on teeth extracted while on the plan. Implants and implant supported prosthesis covered under this plan are limited to; 1) the replacement of permanent teeth extracted while insured under this plan, or 2) the replacement of a prior Implant if it has been at least seven years since the prior insertion and is not and cannot be made serviceable. | ||
| Nevada | Anthem | Essential Choice Platinum |
| 6-month waiting period before coverage is available. 50% of costs covered. | ||
| Guardian Direct | Advantage Core | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| New Hampshire | Anthem | Essential Choice Incentive |
| No waiting period. 30% of costs covered in 1st year of enrollment, 40% in the 2nd, and 50% in the 3rd. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
| New Jersey | MetLife | TakeAlong Dental Medium |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Ameritas | Dallas Smile Plan | |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| New Mexico | NCD Nationwide | 5000 Plan |
| 12-month waiting period before coverage is available. 50% of costs covered. Implants are covered on teeth extracted while on the plan. Implants and implant supported prosthesis covered under this plan are limited to; 1) the replacement of permanent teeth extracted while insured under this plan, or 2) the replacement of a prior Implant if it has been at least seven years since the prior insertion and is not and cannot be made serviceable. | ||
| Ameritas | Dallas Smile Plan | |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| New York | Empire BlueCross BlueShield | Essential Choice Platinum |
| 6-month waiting period before coverage is available. 50% of costs covered. | ||
| Ameritas Life of NY | Dallas Smile Plan | |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| North Carolina | Renaissance Dental | Max Choice |
| No waiting period. 20% of costs covered in first year of enrollment, 40% in the 2nd year, 50% in the 3rd year and after. |
||
| Humana | Humana Extend 5000 | |
| 6-month waiting period before coverage is available. One tooth per 5 years subject to review. 50% of costs covered in 1st year of enrollment, 60% in the 2nd and after. | ||
| North Dakota | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
| Ohio | Anthem | Essential Choice Platinum |
| 6-month waiting period before coverage is available. 50% of costs covered. | ||
| Guardian Direct | Advantage Achiever | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| Oklahoma | MetLife | TakeAlong Dental High |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Renaissance Dental | Plan II | |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| Oregon | Dental Health Services | SmartSmile |
| No waiting period. $1,500 for surgical placement of implant body. | ||
| Renaissance Dental | Plan III | |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| Pennsylvania | Dominion National | Select Plan Basic |
| No waiting period. 15% discount on standard costs. | ||
| Ameritas | Dallas Smile Plan | |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| Rhode Island | Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
| No waiting period. 20% discount compared to standard cost. | ||
| Guardian Direct | Advantage Core | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| South Carolina | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered in first year of enrollment, 30% in the 2nd year, 50% in the 3rd year and after. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
| South Dakota | Renaissance Dental | Plan III |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| MetLife | TakeAlong Dental Medium | |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Tennessee | Delta Dental of Tennesee | Brighter Advantage |
| No waiting period. 25% of costs covered in the 1st year of enrollment, 50% in the 2nd year and after. | ||
| Delta Dental of Tennesee | Superior Advantage | |
| No waiting period. 25% of costs covered in the 1st year of enrollment, 50% in the 2nd year and after. | ||
| Texas | NCD Nationwide | 3000 Plan |
| 12-month waiting period before coverage is available. 50% of costs covered. Implants are covered on teeth extracted while on the plan. Implants and implant supported prosthesis covered under this plan are limited to; 1) the replacement of permanent teeth extracted while insured under this plan, or 2) the replacement of a prior Implant if it has been at least seven years since the prior insertion and is not and cannot be made serviceable. | ||
| Guardian Direct | Advantage Diamond | |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| Utah | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| MetLife | TakeAlong Dental High | |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Vermont | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| Renaissance Dental | MAX Choice Plus | |
| No waiting period. 20% of costs covered in first year of enrollment, 40% in the 2nd year, 50% in the 3rd year and after. |
||
| Virginia | Dominion National | Select Plan Basic |
| No waiting period. 15% discount on standard costs. | ||
| Dominion National | Select Plan Premium | |
| No waiting period. 15% discount on standard costs. | ||
| Washington State | Guardian Direct | Advantage Achiever |
| 12-month waiting period (6 months for VT residents) before coverage is available. 50% of costs covered with a $1,000 lifetime maximum benefit for implants. | ||
| MetLife | TakeAlong Dental Medium | |
| 12-month waiting period before coverage is available. 50% of costs covered. No more than once for the same tooth position in a 10-year period. Missing tooth clause applies, see Schedule of Benefits. | ||
| Washington D.C. | Dominion National | Select Plan Premium |
| No waiting period. 15% discount on standard costs. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
| West Virginia | Ameritas | Dallas Smile Plan |
| No waiting period. 20% of costs covered after deductible in the first year of enrollment, 30% in the second year, 50% in the 3rd year. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
| Wisconsin | Anthem | Essential Choice Platinum |
| 6-month waiting period before coverage is available. 50% of costs covered. | ||
| Anthem | Essential Choice Incentive | |
| No waiting period. 30% of costs covered in the 1st year of enrollment, 40% in the 2nd year, and 50% in the 3rd year and after. | ||
| Wyoming | Renaissance Dental | Plan III |
| 12-month waiting period before coverage is available. 50% of costs covered. | ||
| Careington | 500 Series Dental Savings (Discount Program, Not Insurance) |
|
| No waiting period. 20% discount compared to standard cost. | ||
Click our Dental Insurance link here and find plans available in your zip code.
Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.
