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Dental Implants & Insurance

Does Dental Insurance Cover Implants?

Dental implantation is a cosmetic procedure used as a permanent option to replace missing teeth. Unlike dentures, dental implants are designed to fuse with existing bone, so they are permanent.

The implantation process involves a surgical procedure where titanium posts are inserting into the jawbone underneath the gums. The posts provide support for artificial teeth.  

Most insurance companies, including Momentum Plans, do not include cosmetic procedures in their plans. Since dental implants fall into that category, there is no direct coverage for dental implants.

Learn more about dental insurance plans & implant coverage for seniors, veterans, families and individuals

Why Are Dental Implants So Expensive?

Everyone’s teeth are different so no two dental implants are the same. Since they cannot be mass produced, each is specially created for each individual patient and can cost anywhere between $1,600 and $8,200 per tooth. Dental implants require your unique crown to be adhered to a titanium screw. The materials and process of making these are expensive. We suggest avoiding the need for dental implants with a plan that helps maintain your overall oral health.

You Have Options

Though many insurance companies won’t cover dental implants, Momentum Plans do offer 50% coverage for bridges and dentures on our Gold and Platinum plans. Dental bridges are an ideal option for people with one or more missing teeth. Dentures are a less expensive alternative to dental implants. Both bridges and dentures are less invasive and can be removed, so there is more flexibility in aesthetics and comfort.

It’s important to take preventative measures in dental hygiene. All of our plans cover twice-yearly routine cleanings, exams and X-rays. Regular care covered by Momentum Plans will help prevent the need for tooth replacement procedures in the future.

Choose one of three plans and enroll in under four minutes.

View Plan Deductibles, Coverage of Dental Services, and Annual Maximum Benefits OR Plan Exclusions.

Contact Momentum Plans for more information on dental coverage options for you and your family.