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Understanding the Role of Dental Insurance in Dental Implant Benefits


Question: I have been searching online for weeks to find something that can help save me money off dental implants.   Two years ago, I got into a car accident and knocked out all my front teeth, top and bottom.

The accident was deemed my fault; therefore, I received no assistance restoring my teeth, apart from my limited dental insurance plan through my job.   I’m determined to overcome the discomfort of wearing a partial top and bottom as I long for the feeling of natural teeth again.

However, I need 12 implants at around $1000.00 to $1500.00 per tooth. The cost quickly becomes too high for a regular Joe like me. I am far from being considered poor, but I do not have over $ 12,000.00+ lying around.

Any advice would be welcome.  I did not even mind waiting periods as long as I knew I would be covered for the dental Implants I wanted at the end of the waiting period.

Reply: I understand that finding affordable dental implants can be challenging, especially considering your circumstances. One option to explore could be to see if dental schools are in your area. Many dental schools offer discounted rates for procedures, including dental implants, as they are performed by students under the supervision of experienced professionals. This could significantly reduce the cost of your treatment, bringing you one step closer to your goal of natural teeth.

Additionally, there are other avenues to explore. Inquire about financing options with dental implant providers. Some offices offer payment plans to help make the cost more manageable over time. This can provide a sense of security, knowing that you can spread the cost of your treatment over a period that suits you. It’s also worth examining whether charitable organizations or foundations assist individuals needing dental care, offering further reassurance that there are options available to you.

A few dental insurance plans (mostly PPO or Indemnity insurance ) offer limited benefits for implants. With insurance, it becomes about reading the plan’s terms and conditions to determine if implants are excluded benefits or provide some coverage.

Examples of limitations could read as follows:

  • We will not pay for implants (artificial teeth implanted into or on bone or gums), their removal, or other associated procedures. Still, We will credit the cost of a pontic or standard complete or partial denture toward the price of the implant-associated appliance, i.e., the implant-supported crown or denture. The implant appliance is not covered.
  • The initial installation of a prosthodontic appliance and/or implants is not a Benefit unless the prosthodontic appliance and/or implant, bridge, or denture is made necessary by natural, permanent teeth extraction occurring when the Enrollee was under the plan.
  • The initial placement of any prosthodontic appliance or implants, unless such placement is needed to replace one or more natural, permanent teeth extracted while the Enrollee is covered under the plan. The extraction of a third molar (wisdom tooth) will not qualify under the above. Any such denture or fixed bridge must include the replacement of the extracted tooth or teeth.  
  • D6000 – D6199 VIII Implant Services: Implant services are covered by the General Dentist only. Implants are limited to no more than once for the same tooth position in five (5) years. Implants and Implant abutments are limited to no more than two (2) per year.

If you come across limitations or exclusions under a dental insurance plan and need clarification on how it affects you, call member services to confirm. It is crucial to understand what is or is not covered than to guess and guess wrong. This knowledge empowers you to make informed decisions about your dental health, especially about dental implants, as many dental insurance plans do not offer benefits, and you want to verify this before buying.

Affordable Dental Implants: Making Oral Health Investment Affordable

At, we are dedicated to providing a wide range of dental insurance options to meet your specific needs. Our comprehensive website includes a helpful blog where you can find valuable information on dental insurance and dental health care. Whether you are looking for a free dental insurance quote or seeking to purchase dental insurance, our knowledgeable team is here to assist you. Feel free to call our office at 310-534-3444 for personalized guidance and support in selecting the best dental insurance plan.

This post will delve into dental implants and explore how you can make this significant investment in oral health more affordable with or without dental insurance. We aim to provide informative and persuasive insights to guide you toward finding the best solution for your dental care needs.

Understanding the Cost Factors of Dental Implants

Dental implants serve as a durable and long-lasting solution for replacing missing teeth. These artificial tooth roots are surgically implanted into the jawbone to provide a stable foundation for supporting individual replacement teeth or dental bridges. This innovative dental procedure not only restores the appearance and functionality of natural teeth but also helps to preserve the jawbone. By integrating seamlessly with the surrounding bone tissue, dental implants offer a secure and comfortable fit, allowing individuals to confidently eat, speak, and smile without concerns about slippage or discomfort. The cost of dental implants can vary for several reasons:

1. The type of implant: Choosing the correct type of dental implant is crucial as various options are available, such as endosteal and subperiosteal implants. The cost of each type can differ significantly based on factors like the materials used, the intricacy of the procedure, and any additional preparatory treatments necessary. Therefore, it’s essential to consult with a dental professional to determine the most suitable type of implant based on individual circumstances and fully understand the associated costs.

2. Location: The cost of dental implants may differ depending on your location. Factors such as geographical location and the standard of living in that area play a crucial role in determining the price of dental implants. For example, dental implants may be higher in urban areas with a higher cost of living than in rural areas with a lower cost of living. It’s essential to consider these location-based variations when planning for dental implant procedures.

3. Additional procedures: In some instances, supplementary procedures like bone grafting or sinus lifts might be necessary before the placement of implants. These additional steps ensure the jawbone is strong and healthy enough to support the implants. However, it’s important to note that these extra procedures can increase the overall cost of dental implant treatment.

4. Dentist’s experience: The skill and experience of the dentist or oral surgeon conducting the procedure is a crucial factor influencing the cost. A highly skilled professional with extensive experience in the specific procedure may charge a higher fee for their expertise. Conversely, a less experienced practitioner might offer a lower cost but may not provide the same level of skill and expertise. Therefore, when considering the price of a dental procedure, it’s essential to consider the dentist’s experience and credentials.

5. Materials used: The choice of materials for dental implants plays a significant role in determining their overall cost. High-quality materials, such as titanium or zirconia, are often associated with higher costs due to their durability and biocompatibility. Conversely, lower-cost options may be available but might not offer the same longevity or aesthetic appeal. Discussing the available materials with your dentist is essential to find the option that best aligns with your needs and budget.

When considering dental implants, scheduling a consultation with a qualified dentist or oral surgeon is crucial. They can provide personalized insights into the various factors that influence the overall cost of dental implants for your specific case. By seeking professional guidance, you can understand the treatment plan, the materials used, any additional procedures required, and potential insurance coverage, ensuring that you are well informed about the financial aspects of the treatment and can make decisions that align with your budget and oral health goals.

Dental Insurance for Dental Implants.

Regarding dental insurance plans, it’s essential to understand that coverage for dental implants can vary significantly. While some dental insurance plans offer limited benefits for dental implants, many others exclude coverage for these procedures altogether. The reason behind this discrepancy often stems from the high-cost factors associated with dental implants, making it difficult for insurance providers to offer comprehensive coverage.

Dental insurance plans that do provide benefits for dental implants usually fall under PPO or Indemnity insurance categories. However, it’s crucial to note that the extent of coverage for implants is typically limited. This means that individuals seeking dental implant procedures would need to carefully review the terms and conditions of their insurance plan to determine the extent of coverage available.

On the other hand, numerous dental insurance plans explicitly exclude coverage for dental implants due to the high cost of the procedure. Insurance providers may deem dental implants elective or cosmetic procedures, making them ineligible for coverage under standard dental insurance plans.

It’s essential to recognize that excluding dental implant coverage from many insurance plans can pose financial challenges for individuals needing such dental procedures. The high out-of-pocket costs associated with dental implants can create barriers to accessing essential dental care, particularly for individuals who have experienced traumatic dental injuries or severe dental issues.

Consequently, individuals may need to explore alternative options for managing the cost of dental implant procedures. Other alternatives include seeking financial assistance through financing options offered by dental implant providers or exploring discounted rates for procedures at dental schools, where supervised students perform treatments at reduced costs.

Despite the challenges posed by limited coverage for dental implants under standard dental insurance plans, individuals need to remain informed and proactive in seeking viable solutions for their dental care needs. By understanding the complexities of dental insurance coverage and exploring alternative avenues for affordable dental implant procedures, individuals can effectively make informed decisions to address their oral health needs.

Dental School May be an Option for Dental Implants

When considering affordable options for dental implants, exploring the possibility of receiving treatment at a dental school in your area can be a worthwhile avenue to pursue. Many dental schools offer discounted rates for procedures, including dental implants. Students typically perform these procedures under the close supervision of experienced professionals, providing an opportunity to receive quality care at a reduced cost.

One of the key benefits of seeking treatment at a dental school is the opportunity to benefit from the expertise of aspiring dental professionals and their experienced mentors. The supervision of procedures by seasoned professionals ensures that patients receive thorough and diligent care and the added security of oversight throughout the treatment process.

It’s important to note that the specific services offered and the availability of treatment at dental schools may vary based on each institution’s curriculum and educational focus. For instance, some dental schools may prioritize specific procedures over others based on their academic objectives, which could impact the speed at which you may be able to receive treatment. However, for individuals seeking affordable dental implant options, exploring the potential for treatment at a dental school can be a strategic and cost-effective approach to restoring oral health.

Using a Credit Card May be an Option for Dental Implants

When considering dental implant financing options, it’s essential to inquire about available opportunities with dental implant providers. Some providers may offer monthly payment plans that can help you manage the costs of dental implants over time, making the financial burden more manageable.

Additionally, exploring dedicated medical credit cards such as CareCredit can be viable. These credit cards are specifically designed for medical and dental services, including dental implants. It’s essential to compare interest rates and terms across different credit card options to determine the most suitable choice for your financial situation.

While using a credit card to finance dental implants may result in paying more in interest over time, it allows you to receive the essential dental treatment while spreading the cost into affordable monthly payments.

By exploring these financing options, you can take a step closer to achieving the dental care you need without facing significant financial strain.

Dental Discount Plan May be an Option for Dental Implants

Are you considering dental implants but worried about the cost? offers dental insurance and dental discount plans to help you save on dental care expenses. A dental discount plan can be a viable option for reducing the cost of dental implants, with average savings of around 20% or more. By choosing a dental discount plan, you can make significant strides toward achieving your goal of natural teeth at a reduced cost.

It’s important to note that a dental discount plan is only valid with providers in the plan network. Before purchasing a discount plan, confirming that dental providers within the network offer dental implant services is crucial. While a discount plan can provide substantial savings, there’s no guarantee that a provider in the network will offer every service or procedure you require. Therefore, it’s essential to thoroughly explore and understand the plan’s details and confirm the plan providers and what services they offer before deciding.

With, you can explore various dental insurance and discount plan options, gaining valuable insights to help you make informed choices about your dental care. Our knowledgeable team is dedicated to providing personalized guidance and support to assist you in selecting the best plan to meet your specific dental care needs. Whether you are seeking a dental insurance quote or looking for ways to make dental implants more affordable, we’re here to help you.

At, we are committed to providing a comprehensive range of resources to help you navigate the world of dental insurance and dental care. We aim to offer informative and persuasive insights to guide you toward finding the best solution for your dental care needs, whether through dental insurance, discount plans, or other cost-saving options. Contact our office at 310-534-3444 for expert assistance in making your oral health investment more affordable.

Dental Benefit, Looking for cosmetic services benefits


Question: I need to have two dental implants and would like to have my teeth whiten.  Although I do have dental insurance I was told they do not cover for cosmetic which they are saying the implants are since I do not want the cheaper choice of a bridge.  Also they do not cover for any teeth whiten treatments.  My dentist told me it can be hard to find dental insurance that will cover the very dental services I am wanting.  I am really upset and I am hoping someone will have some suggestions for me.

Answer: Your dentist is correct that many dental insurance plans do not provide dental benefits for implants (mostly because of cost of implants are just too high) and other cosmetic dental services such as whitening.

There are dental discount plans that will save you around 15-20 percent off the cost of these types of services. However, you need to go to dentist that are within the dental discount plans network of providers. Dentist that will normally do these type of dental services are not easy to find within a dental discount plan but it still worth looking into.

You may also want to call your current dental insurance company up to see if they have a cosmetic rider that they can offer you that will cover these types of dental care services. That too is worth checking into if it can be offered.

Posted on 03/02/16 | by admin | in Dental Implants | No Comments »

Connecticut dental insurance benefits for dental implants.


Connecticut dental insurance benefits for dental implants.  Please help and advise.  Due to an auto accident that I had three months ago I knocked out four of my front top teeth that could not be saved.Since the accident was determined my fault (which to me was not) I am stuck without any care for my teeth. 

My current dental insurance is covering me for a bridge but not implants. Since I do not want a big gap in my teeth I am getting a bridge until I can afford to get dental implants. What I would like to know is do you have any dental plans that can help me with the cost of  dental implants.  Thanks.

Posted on 02/06/11 | by admin | in Dental Implants | 2 Comments »

Dental health care, what is the process for getting dental implants


Knowing that I need a few teeth pulled I can either get a partial or implants.   I am think more toward implants but do not really know much abou then other then you are not taking off and they look just like real teeth.

That just sound way better the fake teeth.   Are there any dental insurance or plan that will help me to get dental implants?  I asked mine and found out they really do not cover much for partials let alone implants.  Oh and  what type of dentist does implants so I can start shopping them out.

Posted on 11/08/10 | by admin | in Dental Implants | No Comments »

Dental care, Are dental schools cheaper than a private practice?


I really need about two dental implants.  I have little money and I am told that my dental insurance will not cover for implants.   I got a free quote at a  dental office that it would run me around $2000.00 or more just for two implants to be done.   Would it be much cheaper if I go to a dental school for this work to be done?

Posted on 10/24/10 | by admin | in Dental Implants | 3 Comments »

What type of dental plan do I need to get help on dental Implants


I have been searching for weeks now  on line in order to find something that can help save me money off of dental implants.   Two years ago I got into a car accident and knocked out all my front teeth top and bottoms.

Since the accident was determined to be my fault I got no help with fixing my teeth beyond my limited dental insurance plan I got though work.   I hate wearing partial top and bottom and just want to have real teeth again.

However at around a 1000.00 or more per tooth and I need 11 you can see where the cost is just too high for a regular Joe Smoe like me.    I mean I am far from being consider poor but I do not have over $11000.00 just lying  around either.

Any advise would be welcome.  I do not even mind waiting periods as long as I knew I would be covered at the end of the waiting period for the dental Implants I want.

Posted on 09/06/10 | by admin | in Dental Implants | No Comments »

Dental insurance, Why is it so hard to find a good dental insurance plan


I just want a low cost dental plan that will really make a big cost difference at the dentist.  I have need of four filling and a crown.  I know this is a lot of dental work all at once but I will be keeping the dental insurance plan even after the work is done.   At that point I would guess I would not be using it all that much and they can make back their money.

Why do I have to pay so much money for dental insurance yet they are going to make me wait out waiting periods of 6 months to a year for the very dental services I need?   This does not make sense to me.  I need a good dental plan that will not do that.

Posted on 08/05/10 | by admin | in Dental Help, Dental Implants, Dental Plans | No Comments »

Individual Dental Insurance, reviewing the Golden West dental plan


I was reviewing your Golden West dental plan.  I do not have dental insurance right now and I live in California.  My questions are under the Golden West dental plan can I go outside their dental network or providers?

Also can I have the plan for my son and I and get the couple rate or since my son is 20 but not a full time student to I have to buy two individual plans.  Not to clear on that  please advise.  Thanks.

Review the Golden West dental insurance plans – click here!

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Posted on 07/22/10 | by admin | in Dental Help, Dental Implants | 7 Comments »

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