Does My Insurance Cover Dental Implant Costs?

The cost of a procedure can really deter someone from receiving medical care that they really need, which is why you’re wondering, “Does my insurance cover dental implant costs?”

Here’s what you need to know from coverage to cost, plus what to do if health insurance isn’t able to help!

How Much Does a Dental Implant Typically Cost?

There are several factors that affect the overall cost of your dental implant procedure. Understanding these factors can not only help you to prepare for the expenses but help you determine whether or not health insurance plans offer coverage.

These factors include:

  • Experience and geographical location of your dentist
  • How involved your procedure is, including number of teeth affected
  • Materials used for your implant
  • Type of anesthesia used during your procedure
  • Whether you require additional procedures, like a tooth extraction

All of this, as well as other factors, are customized to your unique needs, aesthetic sense, and similar details. This is why the price varies so much.

Dental implants include the post, which is placed into the jaw and is the “implant” itself. The prosthesis, or artificial tooth is the external part you see, and it’s placed on the implant post with the abutment. Together, these three pieces allow the implant to look and function just like a real tooth.

The surgery is performed on an outpatient basis, so there are no fees for overnight care. You will be awake during the placement, though you will be given a local anesthetic.

A single-tooth implant can cost anywhere from $3,100 to $5,800, whereas a multiple-teeth implant ranges from $6,000 to $10,000. A full mouth implant is the most expensive because it is the most involved, costing between $24,000 to $90,000.

Does My Insurance Cover Dental Implant Costs? Why or Why Not?

Insurance when it comes to dental services is arguably one of the most confusing things when it comes to medical expenses. The answer to this question is that it depends on the type of plan you have and the level of coverage it offers.

While some insurers cover implants, typically with an allowance of $1,500 per implant each year, others won’t don’t provide any coverage at all.

If you have a health reimbursement account (HRA), flexible spending account (FSA), or health savings account (HSA), you are likely to be able to receive reimbursement.

You should always check with your insurer first to verify if you’re eligible for insurance coverage when wondering, “Does my insurance cover dental implant costs?”

Without Coverage, How Will I Be Able to Afford My Procedure?

If you are unable to receive any sort of coverage, don’t lose hope! This is a life-changing procedure that is ultimately worth the investment, even if the expenses are rather high.

There are many ways to make dental implants more affordable and attainable for you.

  • While the quality may not be the same as a board-certified dentist, many dental schools and clinics offer dental implant surgery at a lower cost.
  • You can also consider options like dental bridges and dentures, which are significantly more affordable than this surgery.
  • Finally, don’t forget to ask your provider about discounts of any kind and financing. The latter is the easiest and most available, and turns a hefty payment into multiple smaller ones that are easier to manage. Many people opt for CareCredit

Learn More About Insurance Coverage and How We Can Help at Perfect Smiles of Reston!

Dr. Aramesh Darvishian is our renowned cosmetic and general dentist that specializes in various services, including dental implants. She offers ample resources to her patients for affordable and accessible care.

Call us at 703-982-7355 or request an appointment online now to learn more!

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