Ceramic dental implants can be a substantial investment in the health of your mouth—and you may be wondering if your dental insurance will cover them. Ceramic implants, also known as zirconia implants, generally cost patients $5,000-6,000 for extraction and replacement of the tooth, including surgical time and the cost of the implant. However, each case is different. Your treatment needs to be resolved when the dentist looks at your case.
Before you undergo treatment, it is always beneficial to review your dental benefits to find out if they cover implants. Delta, Cigna and Denali all offer plans that cover implants.
In our experience, it is not the insurance company itself that determines coverage, but rather the company that sponsors the plan. Your employer may opt for a very robust plan or one that is more basic. Depending on the plan, coverage may be better for “in-network” dentists than for those who are “out-of-network.”
When in doubt about what your benefits are, it never hurts to call your benefits manager, if you happen to work for a larger company, or the insurance company. Some insurance policies don’t cover implants at all, deeming them a cosmetic procedure. Many don’t cover implants if they are related to a preexisting injury to the tooth or a tooth that was missing before the policy took effect.
Even if your insurance covers the implants, it may not cover the entire cost. Insurance policies have annual limits and deductibles, and often, the coverage does not fully cover the implant.
At the Institute for Systemic Dentistry, we do not accept insurance. However, we can provide a receipt to submit to your insurance company. Although your insurance may not cover the full cost of the implants, even a partial reimbursement can help to make them more affordable. If you need implants and have questions about the costs, let us know. We will be happy to discuss treatment options and costs. We want all of our patients to get the care they need.