Cost of Dental Implants with Insurance versus Self-Pay

How much does a tooth implant cost with and without insurance?

Having an insurance plan already in force that pays for any portion of this expensive procedure makes it much more economical.

However, many patients must self-pay for dental implants without insurance. Their plan might not cover cosmetic dentistry, or they lack oral care coverage.

For people in this category, focusing on how much your insurance might pay could cause you to overlook several money-saving opportunities connected with existing and new policies.

It pays to look under every conceivable rock if you want to improve your smile without breaking the bank, including treatment in other countries, local schools, and cheaper mini implants.

Tooth Implant Cost with Insurance

The estimated costs of tooth implants with insurance span a wide range because so many different factors impact the equation.

  • How much your plan pays in claims?
  • The types of coverage: dental or medical
  • The scope of treatment: single tooth or full mouth

How Much Insurance Pays

How much your insurance pays for dental implants is just one factor to consider when estimating permanent tooth replacement cost. Make sure you do not overlook hidden money-saving opportunities.

Payment Plans

Dental implant payment plans cost much less when insurance pays for even a small portion of any oral care treatment. A third-party company will impose origination fees and interest charges based on the amount that you finance.

Free Grants

Free dental implant grants typically go to patients with insurance because they have the financial capacity to pay for other oral care services. The providers promoting these schemes are not charities. Instead, they are looking to attract profitable future patients.

No Waiting

Dental implant insurance without waiting periods determines how much to pay for treatment using graded benefits that increase over time – provided you do not trip the missing tooth exclusion.

YearCopayment %Annual Max

No Maximum

Dental insurance with no annual maximum might pay more for tooth implants because the average cost exceeds the yearly limits baked into many other plans. Of course, timing treatment to span two years instead of cramming all phases into one is an easy way to double the benefit!

Provider Directory

The provider directory offers a hidden answer to how much your insurance might pay – if implants are a covered service. Choosing the right prosthodontist could save you a bundle of money!

  • In-network dentists accept the allowed charges as full payment
  • Out-of-network prosthodontists balance bill the remainder

Insurance Types

The cost of tooth implants with insurance will depend on the type of coverage you have, the policy start date, and the limiting features built into the plan.  

Supplemental Plans

Senior citizens with supplemental insurance will sometimes find that their cost of dental implants is a bit lower. Medicare does not cover any oral care unless medically necessary. However, some Medicare Advantage plans do include dental benefits.

Healthcare Plans

The cost of dental implants with health insurance could be much lower if you have a medically necessary reason for a permanent tooth replacement solution. This type of coverage cannot impose an annual benefit maximum by law, making it the ideal option.

Health insurance often covers dental implants when medically necessary; oral care arising from non-biting accidents, certain diseases, and treatments deemed integral to other services included in the plan.

For instance, patients dealing with either of these issues might qualify.

  • Replacing teeth lost after an accidental injury
  • Restoring teeth extracted before cancer treatment

Dental Plans

The cost of tooth implants with dental insurance is much lower when the plan pays a portion of the expenses, which is not always the case.

  • A missing tooth exclusion means that your plan will not honor claims for restoration services unless the condition occurred after the coverage effective date.
  • A cosmetic dentistry exclusion means that your plan will not honor claims when less expensive treatments such as removable dentures might do an adequate job.

Single Tooth

The cost of dental implants for one tooth with dental insurance provides an opportunity to illustrate PPO plans’ value. A Preferred Provider Organization (PPO) includes significant pricing discounts when you use an in-network prosthodontist.

This chart illustrates the possible PPO cost savings for a single tooth implant.

ServiceRetail FeePPO PriceCopayment
Implant Only$2,000$1,400$700
Abutment & Crown$1,500$1,050$525
Average Total$3,500$2,450$1,225

Full Mouth

Full mouth dental implant costs with dental insurance are lofty enough to illustrate two opposite consequences of consolidated spending. The average retail price of full-mouth bridges begin at $10,000 and ranges higher.

Providers such as Clear Choice © often recommend All-on-Four © same-day solutions. By replacing every lost tooth on your upper or lower jaw, you bunch expenses into a tight time window, which could trip two critical thresholds.

  • An annual benefit maximum pushes self-pay charges higher because the patient covers the remaining expenses in that year
    • $10,000 retail fee
    • $1,500 annual maximum
    • $8,500 owed by the patient
  • Tax deduction consequences push self-pay prices lower because the remaining charges could exceed 7.5% of Adjusted Gross Income (AGI)
    • AGI of $50,000
    • Schedule A threshold (7.5%): $3,750
    • Deductible expenses: $4,750

Dental Implant Cost without Insurance

The cost of dental implants without insurance come into play more frequently. Patients often self-pay for this expensive procedure because they fall into at least one of three categories.

  1. They do not have insurance
  2. Their plan excludes cosmetic benefits
  3. The missing tooth clause applies

Total Charges

The total cost of tooth implants without dental insurance will vary by the patient because each person could have a unique treatment plan that involves various combinations of procedures.

The following breakdown illustrates what you might have to spend for a single replacement tooth.[1] Full mouth restorations could prove more efficient as you pay for scans and surgeries only once.


The cost of tooth removal for self-pay patients ranges from $75 for simple extractions to $600 for complicated surgical procedures with optional services, adding to charges.

  • Initial examination and consultation
  • Periapical x-ray
  • Optional pain management
  • Antibiotics to treat infections

Bone Grafting

The cost of bone grafting and sinus lifts for self-pay patients ranges from $200 to $3,000, depending on the operation’s complexity. General anesthesia adds more to charges when local numbing is inadequate. 

An oral and maxillofacial surgeon removes a piece of bone from another part of your body and places it in your jaw, where it fuses with the surrounding tissue.

Bone grafting requires significant healing time – a key consideration for anyone considering providers outside of the country.


The cost of dental implant surgery for uninsured patients ranges from $1,000 to $3,000 based on the region and fees the provider commands. Expect two possible operative procedures that both require healing time.

  1. Placement of the implant body involves drilling a hole in your jaw and insertion of a titanium post that osseointegrates with the surrounding bone over six months
  2. Placement of the abutment can take place at the same time or during a later procedure where the surgeon cuts into the gum tissue, which requires less time to mend


The cost of implant-supported dentures or crowns for self-pay patients depends on whether you need to replace a single tooth or a full arch. Prepare to budget from $300 to $5,000 because the choice of materials also affects spending significantly. 

  1. Resin-based acrylic polymers
  2. Porcelain fused to metal
  3. Ceramic (feldspar and zirconia)

Also, denture costs trend higher for front incisors because appearance is more important. Meanwhile, crowns for back molars can use more economical materials.


The cost of dental implant-supported bridges averages $8,500 but can range as low as $5,000 to as high as $15,000. A bridge can replace three to four teeth in a single span.

Bridges are slightly more price-efficient because self-pay patients can combine several services into one.

  • Diagnostic scans and X-rays
  • Bone grafting (if needed)
  • Surgery to place implant body and abutment
  • Single bridge rather than multiple crowns

Dental Schools

Patients without insurance can also look into the cost of dental implants at their local university with an appropriate residency program, which might lower the amount of money needed to restore a lost smile.

However, the expectation of free surgery, abutments, implants, and crowns is not realistic. Yes, students perform most of the work. But they do so under the supervision of trained faculty members and charge for their service and expertise – just a little bit less than a board-certified prosthodontist in private practice.

The best approach is to book an appointment at your local dental school, where they can provide precise price estimates that matches your treatment plan.

Other Countries

Patients without insurance also investigate the cost of dental implants in other countries, hoping to make the procedures more reasonably priced. Providers outside of the U.S.A. often do charge less.

However, research provider credentials before booking an overseas flight as the licensing standards vary in other countries. Plus, price comparisons are very hard since every patient requires a specialized treatment plan.

Also, make sure to factor in the amount you must spend for travel, keeping in mind that you need at least two roundtrips (same-day appliances) – and perhaps more with healing time between each step.

  1. Bone grafting to restore jaw stability
  2. Two additional surgical procedures
    1. Implant body
    2. Abutment insertion
  3. Installation of crown
CountryAverage Cost One ToothAirfareHotel FeesTotal Expense






Costa Rica















Mini Implants

Patients without insurance should consult with a prosthodontist about whether the Mini alternative is the best long-term solution. Resist the temptation to make lower pricing the deciding factor in your oral care.

Mini dental implants cost on average about one-third compared to traditional solutions that require more extensive surgery to place a titanium post to act as the artificial tooth root.[2]

Mini implants are also called narrow diameter or small diameter implants (NDIs and SDIs). The skinny screw that resides in your jaw is easier to install and requires fewer steps – hence the lower price.

Article Citations

[1] Dental Implant Cost Guide

[2] Cambridge Family Dental (Mini)