If you’ve been putting off getting dental implants, chances are it’s due to finances. Many patients hesitate because they’re unsure how much their dental insurance will actually cover. The truth is that while implants are often seen as a cosmetic treatment, some parts of the procedure can be covered when they’re medically necessary. And with the end of the year right around the corner, now is the time to use your benefits before they disappear.
What Parts of Dental Implants Can Be Covered?
Dental insurance plans vary, but many will cover at least some portion of implant-related care when it’s medically necessary. For example:
- Tooth Extractions: Removing damaged or decayed teeth before an implant is typically covered at around 50% under major procedures.
- Bone Grafts: Strengthening your jaw to support the implant is another procedure that can be covered if it’s used to restore oral health or support a future restoration.
- Diagnostic Imaging: X-rays and 3D scans needed to plan the surgery are like those normally covered under preventive policies.
- Restorations: Some plans help cover the crown or denture that attaches to the implant.
The implant post itself is often excluded from insurance policies because it’s considered a “major restorative” or “elective” service. However, if your missing tooth affects your ability to chew, speak, or keep your jaw healthy, your dentist can often appeal for medical necessity—potentially saving you more.
Why You Shouldn’t Wait to Use Your Benefits
Every year, Americans leave over $100 billion in unused dental benefits on the table. Most insurance plans reset on January 1st, meaning any remaining benefits, flex spending funds, or deductibles vanish at midnight.
This often happens because people underestimate what their insurance covers, delay their care due to fear of high costs, or don’t understand how the system works. To avoid throwing your money down the drain, it’s a good idea to see your dentist sooner rather than later.
Getting the Most out of Your Benefits for Dental Implants
By starting your implant process now, you can use your current year’s benefits for your consultation, imaging, or preliminary treatments—then apply next year’s benefits to the final placement. This is a smart way to split costs and maximize your coverage instead of losing benefits you’ve already paid for.
Dental implants are an investment in your health, confidence, and quality of life. If you’ve been putting off treatment for fear of cost, your dental team can help you navigate the fine print. Call your dentist today, schedule your consultation, and make sure you’re getting every dollar of coverage available.
About the Practice
Dental insurance benefits don’t last forever, so it’s important to use them every year! Dr. Ramandeep Badhan and Dr. Frank S. Fratto are passionate about helping their patients succeed. At Cambria Smiles, we help you understand how to maximize your benefits before they disappear. Our team will work with you to plan your dental implant treatment so you can fit it into your budget. Call (805) 927-4811 to schedule a dental implant consultation with us or visit our website to explore other services.