What Do Implants Fall Under for Dental Insurance?
By Dr. Eastwood – Summerbrook Dental & Implants, Fort Worth, TX
A question I often hear from patients is, “What do implants fall under for dental insurance?” Dental insurance can be confusing, and understanding how implants are classified is important before starting treatment.
Most dental insurance companies still consider implants an elective or cosmetic procedure. This means that the implant post itself is often not fully covered. However, that does not mean insurance will not help at all. Many plans will pay for parts of the treatment that are connected to implants, such as exams, X-rays, extractions, bone grafts, or the crown that attaches to the implant. In those cases, insurance may cover a percentage of the cost, usually around 40–50%, depending on your plan.
Sometimes, dental insurance classifies implants under major restorative care. This is the same category as crowns, bridges, or dentures. If your plan includes coverage for major services, you may receive partial benefits for the crown or denture that sits on top of the implants, even if the surgical placement of the implant is not included.
There are also cases where medical insurance may help, especially if tooth loss is connected to an accident, injury, or a medical condition that affects nutrition or speech. Every plan is different, which is why it’s important to check your specific benefits.
At Summerbrook Dental & Implants, my team helps patients navigate their insurance. We send pre-authorization requests, provide detailed treatment notes, and work to maximize the benefits you have. For the parts that insurance does not cover, we also offer financing options to make treatment more affordable.
I also want you to know that there is no judgment here. Whether you’ve gone years without dental care or lost teeth from injury or decay, my role is not to lecture—it’s to help you move forward with a healthy, confident smile. With my advanced training in implants and our one-stop shop approach, you can receive your full treatment in one place, from surgery to final restoration.
So, what do implants fall under for dental insurance? Usually major restorative care, with partial coverage for related services. If you are considering implants, schedule a consultation at Summerbrook Dental & Implants in Fort Worth. We’ll review your plan together and design a solution that restores your smile, comfort, and confidence.