Dental insurance policies vary, but most are designed to cover preventive care, emergencies, and basic restorations. These plans often come with an annual spending limit, usually between $1,000 and $1,500. Because of this cap, coverage for more advanced treatments like dental implants is often limited or excluded entirely.

Many dental plans consider implants elective and instead cover lower-cost alternatives like dentures or partials. However, insurance may cover parts of the implant process such as diagnostic imaging or tooth extractions. In some cases, the dental crown placed on top of the implant may be partially covered.

Medical insurance may also provide limited support. Some plans cover procedures needed to prepare for implants, such as bone grafting. If tooth loss is linked to a medical condition or a workplace injury, medical insurance could contribute toward treatment. However, Medicare generally does not cover dental implants.

To avoid surprises, it is important to speak directly with both your dental and medical insurance providers. Your implant provider can also help you understand what is included in your plan and assist with submitting any necessary paperwork.