Some dental plans cover implants at 50% after waiting periods, but many plans exclude implants as cosmetic or offer limited coverage. Check your specific policy.
With 50% insurance coverage, you may pay $1,500-$2,500 out of pocket per implant. Without coverage, total costs range $3,000-$5,000+ per implant.
Plans more likely to cover implants include comprehensive PPO plans, some employer group plans, and premium individual policies. DHMO plans rarely cover implants.
Insurers often classify implants as cosmetic or experimental despite being standard of care. High costs also exceed typical annual maximums.
Yes, implants typically require 12-24 month waiting periods as major dental work. Some plans exclude implants entirely regardless of waiting period.
Discount plans offer 15-50% savings on implant procedures at participating providers, often providing better value than limited insurance coverage.
Implants usually fall under annual maximum ($1,500-$2,500), not a separate lifetime maximum. One implant could exhaust your entire annual benefit.
Original Medicare does not cover dental implants. Some Medicare Advantage plans may offer limited dental coverage including implants.
You cannot add implant coverage to existing plans. You would need to switch to a plan that includes implant benefits during open enrollment.
Insurance typically covers bridges and dentures as alternatives to implants, often at higher coverage percentages with lower out-of-pocket costs.