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

Having an insurance plan that pays for any portion of this expensive procedure makes it much more economical. However, the possible savings come in unexpected ways.

Plus, buying a new policy rarely helps because of waiting periods, missing tooth clauses, and exclusions for cosmetic dentistry.

Therefore, most uninsured patients wind up having to self-pay for dental implants, which leads to a frantic search for ways to improve their smile without breaking the bank.

Find a breakdown of total possible charges followed by considerations for treatment in other countries, local schools, and cheaper mini implants.

Tooth Implant Cost with Insurance

The estimated costs of tooth implants with insurance spans a wide range because two types of coverage impact the equation, and a patient could need a single molar or bicuspid replaced or opt for a full-mouth restoration.

Insurance Types

The cost of dental implants with insurance will depend on the type of coverage you have, the policy start date, and the limiting features built into the plan. Consult your plan documents to understand how these benefits work.

A missing tooth clause will exclude coverage for replacement needs that existed before the policy effective date. You will have to pay 100% out-of-pocket and lose any in-network benefits if this exclusion applies.

Dental Plans

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

If included, each design will also have limiting features that could determine the size of the remaining bills you must pay. Your policy document might consist of some or all of these critical elements that govern unreimbursed expenses.  

  1. PPO dentists accept the allowed charges as payment in full
  2. Copayments are the percentage the plan pays (50% is typical)
  3. An annual maximum limits the benefits paid in a calendar year

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

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

Monthly payment plans reduce the amount patients must fund every period, making it easier to afford this permanent tooth replacement option.

Total Charges

The total cost of dental implants without 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.

Extractions

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.

Surgery

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

Dentures

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.

Bridges

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
    1. Abutment insertion
  3. Installation of crown
CountryPer Tooth CostAirfareHotel FeesTotal Expense
Mexico$1,600???
Costa Rica$1,000???
Thailand$900???
India$850???

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.[1]

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.


Footnoted Sources:

[1] Dental Implant Cost Guide

[2] Cambridge Family Dental (Mini)