How much does a tooth implant cost with and without insurance? This is a critically important question.

Having an insurance plan that pays for any portion of this expensive procedure makes it much more economical. However, many people find that the average costs of dental implants are about the same.

That is because most insurance policies pay nothing – except for a minority of patients with a medical necessity or coverage in force long before the need arose.

Find several options to improve your smile without breaking the bank.

Estimated Cost of Dental Implants with Insurance

How much does a tooth implant cost with insurance? The estimated cost of replacement teeth with insurance depends on whether the plan(s) cover each recommended procedure and the unreimbursed expenses designed into the coverage.

  • Dental insurance plans sometimes pay a percentage for cosmetic procedures subject to a missing tooth exclusion, waiting periods, and yearly maximums
  • Private health insurance may cover medically necessary treatments subject to deductibles, coinsurance, and copayments

Dental Insurance

The cost of permanent replacement teeth with dental insurance is much lower when the plan pays a portion of the expenses. However, this happens rarely. Most dental plans classify implants as cosmetic and do not cover them, or contain exclusions that disqualify most patients.

Missing Tooth

Implant financing programs add to costs for patients with dental insurance and pre-existing missing teeth. People often need to borrow money because any new plan denies claims for teeth that fell out before the policy effective date.

  • The lender imposes an upfront origination fee and charges interest on the loan
  • All dental plans contain a missing tooth exclusion

Waiting Periods

Individual cosmetic dental insurance covers implants, abutments, dentures, crowns, and other restorative services after a 24-month waiting period. It is rare to find a policy that you can buy today and have it cover services you already know you need tomorrow.

Factor in the monthly premiums you must pay in advance of any treatment into your cost calculations.

Yearly Maximums

Dental insurance plans often have annual maximums. Patients undergoing a full-mouth restoration may learn the hard way that their plan limits benefits. Even if your plan covers implant surgery and abutment costs, you still may end up with significant unreimbursed expenses.

The best coping strategy for annual maximums may be to phase treatment over time. Take care of your front teeth one year and your molars another.

Health Insurance

The cost of dental implants with private health insurance is also much lower when the plan pays a portion of the expense. This occurs most frequently when a specific treatment is medically necessary. This definition includes oral care arising from non-biting accidents, certain diseases, and treatments deemed integral to other services included in the plan.

  • Extracting broken teeth caused by accidental injury
  • Dental implants after radiation, chemotherapy, or surgery to treat cancer in the head or neck are examples of disease-related coverage
  • The jaw surgery to replace the tooth root with an implant body is an example of a procedure deemed integral to other services

Consult your healthcare plan document to estimate your cost-sharing for any medically necessary procedure steps.

  • Deductible: the amount you must fund out-of-pocket each year before benefits begin
  • Coinsurance: the percentage the patient pays for each covered procedure
  • Copayment: a fixed amount the patient funds for each visit with a provider
  • Balance Billing: the amount out-of-network providers charge above the “allowed amount”

Average Cost of Dental Implants without Insurance

The average costs for dental implants without insurance may help the much larger audience budgeting to pay for this expensive procedure. Every patient’s needs differ. Periodontist charges vary only slightly by region – unless you travel outside of the country.

Use this breakdown to estimate your spending on surgery, abutments, and other related services.

Per Tooth Costs

The average costs per tooth for dental implants without insurance gives prospective patients a simple way to project their spending. Your dentist will charge less to restore a single tooth than to restore four teeth. In addition, the position makes a difference. Front teeth are more difficult to install than molars.

Financial assistance with your dental implants can make it more reasonable to restore your smile. You do need to keep an open mind when researching ways to get help. Be advised.

Single Tooth Implant Cost

Incidental Expenses

A breakdown of related prices for dental implants without insurance gives you the complete picture. The conditions of your gums and the health of the bones in your jaw may also play a factor. Your periodontist will perform a thorough examination before making recommendations and present a treatment plan. Expect that you may need gum surgery, bone grafts, and other treatments.

Your unreimbursed expenses may be Flexible Spending Account eligible or tax-deductible. This may also include travel expenses if you choose a provider outside of the United States (dental tourism). Proper planning may reduce the amount of money you must spend. Consult your advisor.

Cost of Additional Procedures

Full-Mouth Plates

The average cost of full mouth dental implants without insurance has the widest range. Patients needing both top and bottom replacement plates often have very poor oral health. This means that the dentist and/or periodontist must perform additional services including the extraction of any remaining teeth.

  • Full set price: $7,000 to $90,000
  • Single plate (top or bottom): $3,500 to $30,000

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