Is there coverage for
Dental Implants?

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There is generally No coverage for implants. 

We did find two Individual Plans that will cover!  Delta Dental No Wait plan and Renaissance Dental Max Choice Plan  

Dental implants (ADA Codes) may be thought of as artificial tooth roots which allow the fabricated teeth to be firmly attached to the mouth.  One may consider the jaw bone as a piece of wood and a dental implant as a screw

Dr. Dorfman’s DDS Website 

Boston Dental Implants Website (

Smile Implant

Instant ONLINE Dental Quotes & Enrollment

Write implants off your Taxes – using Health Savings Accounts

Implants may be covered under health insurance, if there is a “medical necessity” like cancer, major accident or skeletal deformity.  View sample Delta policy page 40 #32.

You can include in medical expenses the amounts you pay for dental treatment. This includes fees paid to dentists for X-rays, fillings, braces, extractions, dentures, etc.   including artificial teeth (IRS Publication 502 Page 5 & 7)

Implants are done when one doesn’t want a bridge because it more permanent and look better even in the back of the mouth and in view of this it’s considered cosmetic.

Unfortunately, implants are not generally a covered benefit. However, it is possible that Delta would provide an allowance for the covered benefit. It’s best that the enrollee ask their dentist to submit a pre-determination to Delta so that Delta can determine the covered benefit (if any) and the enrollees responsibility for payment in advance.


The replacement of lost or stolen dentures, crown and bridge work, dental procedures and charges incurred as part of implants (placement or removal) and prosthetic devices placed on implants (fixed or removable, for example: bridges, crowns) are not covered.  Smile Saver Brochure


Delta Dental No Wait plan and Renaissance Dental Max Choice Plan 
Instant Quotes

Dental Max “Pretty” brochures 

Renesasse - Coverage for Implaints

Insurance 101?

We suggest that you check out Life Insurance, Disability, Long Term Care and Retirement as these risks may cause much more financial devastating to your budget than dental bills.

3 comments on “Dental Implants

  1. Do you know anything about the Careington PPO Dentist plan mentioned on this page as providing some coverage/discounts for implants?

    For example, what those coverage/discount is provided for implants and if there is any pre-existing condition exclusion or waiting period?

  2. I want to set a educational meeting with you to discuss if my husband’s employer group great PPO coverage with Blue Shield will pay for treatment for my:


    loss of one tooth due to an accident

    grinding – loss of 8 teeth – which is causing grave and serious problems.

    can implants be covered for that?

    coverage for depression?

    I’d like to set a meeting so that you can educate me on what my coverage is and how it works.

    • For your depression – check this page. If you have further questions, please post there.

      Arthritis shouldn’t have any issues with coverage. Check out your Evidence of Coverage or Summary of Benefits.

      For us to be of any meaningful help, we need a copy of your ID card, which will be kept confidential. If at all possible, send us a copy of your evidence of coverage. If your husband’s employer is less than 100 employees, we have access to those documents. If it’s large group, we need you to get the EOC.

      After we’ve reviewed the EOC, we can schedule an educational meeting for a fee, click here for more information. We answer questions on the website at no charge, private time is different. It’s educational, we do not tell you what to do or give advise.

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