TOP 5 Best Dental Insurance For Implants on the Marketplace
Finding the best dental insurance for implants is crucial for anyone considering this transformative dental procedure. With various options available, selecting the right plan can help mitigate costs and ensure access to quality care. This guide will explore the top dental insurance plans that specifically cover implants, helping you decide to maintain your oral health without breaking the bank.
Best Dental Insurance for Implants
Melife
Melife is rated as the best dental insurance provider for implants, trusted and chosen by many customers nationwide. Melife’s PPO plan has the lowest cost, including implant coverage within ZIP codes, a low deductible ($50), and pays 50% of implant costs after meeting the deductible.
Melife offers insurance benefits up to $1,500, which is an average price among providers today. In particular, the company frequently offers dental discount programs.
The Best Dental Insurance for Implants of 2024
Physicians Mutual
Physicians Mutual is the best dental insurance for implants today. This can be proven through three factors: the lowest-cost PPO plan, the lowest deductible, and the best-priced implant package among the insurance companies we evaluated.
Physicians Mutual has an extensive network with 500,000 locations, responding quickly to customer claims nationwide. However, despite its advantage in insurance costs, Physicians Mutual needs to provide better coverage for dental implant packages or other major procedures. The company offers a maximum benefit of $1,000 for implant coverage. After meeting the deductible, the dental plan covers 25% of implant procedures in and out of network dentists.
Physicians Mutual Dental Insurance
Delta Dental
Delta Dental is one of the best dental insurance companies for implants in terms of coverage. For individual insurance, the PPO Premium Plan has a deductible of $50, with annual benefits of $2,000. Once the annual deductible is met, Delta Dental covers 50% of implant treatment costs regardless of whether the dental clinic is in or out of network.
Notably, this provider is highly rated for customer satisfaction.
Delta Dental offers a plan that can help cover the cost of dental implants
Spirit
Spirit offers dental implant insurance with the lowest PPO plan and no waiting period before beginning payment for implants or crowns. This policy provides 25% coverage for the first dental implant and 50% for subsequent years after reaching the policy’s deductible.
All Spirit dental and vision insurance plans come with a 30-day satisfaction guarantee. If customers are unsatisfied with their insurance within 30 days, they can cancel and receive a full refund.
Spirit offers a broad range of dental plans with varying levels of coverage
DentalQuest
Rated as the best dental insurance for implants, DentalQuest has become one of the most reputable companies in the field today. This insurance provider has more affordable rates compared to others. However, DentalQuest has a relatively high deductible of $100, meaning you will need to pay more for your insurance coverage.
DentalQuest dental insurance that covers implants
What Does Dental Implant Insurance Cover?
Dental implant insurance typically covers various aspects of the implant procedure, though the specifics can vary depending on the insurance provider and plan. Dental insurance implant coverage may cover:
- Initial Consultation and X-rays
- Tooth Extractions
- Implant Surgery
- Abutment and Crown Placement
- Anesthesia
- Bone Grafting (if needed)
- Post-Procedure Care
However, dental implant insurance often only covers a percentage of the total cost (such as 50% after reaching the deductible), and there may be annual benefit limits (ranging from $1,000 to $1,500). Additionally, some plans may have waiting periods before coverage for major procedures like implants.
Dental implant insurance typically covers only a percentage of the total cost
Cost of Implants Without Dental Insurance
The cost of Implants without Denta Insurance can vary widely based on several factors such as the location, the type of implant, and any additional procedures required (e.g., bone grafting).
The average price for a dental implant without insurance runs to $3,000 and $4,500 per tooth and may reach $20,000 and $45,000 if you need implants for a full arch (upper or lower) or both jaws (All on x), according to the American Dental Association.
- Implant Post: $1,000 – $3,000
- Abutment: $300 – $500
- Crown: $1,000 – $2,000
- Total: $3,000 – $5,000
Cost of Implants With Dental Insurance
The cost of dental implants with insurance can be significantly reduced, but the exact amount you’ll pay depends on your insurance plan’s coverage, deductibles, and any out-of-pocket expenses.
Many dental insurance plans cover a percentage of the implant costs, typically ranging from 50% to 80% after you’ve met your deductible.
Dental implant costs with insurance can be significantly reduced, depending on coverage, deductible
For example:
- Total Cost of Implant Procedure: $4,000
- Deductible: $200
- Coverage: 50% of the remaining cost after deductible
- Insurance Payment:
- Total after deductible: $4,000 – $200 = $3,800
- Insurance covers 50% of $3,800 = $1,900
- Your Out-of-Pocket Cost:
- Deductible + Remaining Cost = $200 + $1,900 = $2,100
Having dental insurance can significantly reduce the out-of-pocket expenses for dental implants. It’s important to carefully review your policy, including the coverage limits, deductibles, and any exclusions, to understand how much financial assistance you can expect for implant procedures.
In conclusion, choosing the best dental insurance for implants requires careful consideration of coverage options, costs, and benefits. With the right plan, you can significantly reduce the financial burden of dental implant procedures while ensuring high-quality care. Be sure to compare different insurance providers and read the fine print to find a plan that best meets your needs.
