Dental insurance typically focuses on preventive care and basic procedures like fillings, cleanings, and simple extractions. Because of this, many plans do not fully cover dental implants, which are often considered a “major” or elective procedure. However, some dental plans may offer partial coverage for certain parts of the implant process—such as the crown, abutment, or extraction of the damaged tooth.

In some cases, medical insurance may help cover aspects of implant treatment, especially if the tooth loss was caused by a medical condition, trauma, or accident. If jawbone grafting or sinus lifts are needed as part of the procedure and are deemed medically necessary, medical insurance might contribute. That’s why it’s important to look at both your dental and health insurance policies when reviewing potential benefits.

The best way to understand your implant coverage is to contact your insurance provider directly. Ask about specific procedures using the correct billing codes, and find out about annual maximums, deductibles, waiting periods, or any exclusions that might apply. Your dental provider’s office can also assist with a pre-authorization or insurance verification to help you get a clearer picture of what’s covered before treatment begins.

If your insurance offers little or no coverage for implants, don’t panic. Many dental practices offer financing options or payment plans to make implants more affordable. There are also third-party financing companies that specialize in healthcare lending. While the upfront cost might seem high, it’s worth considering the long-term value of dental implants—they can last decades with proper care and often outperform bridges or dentures in comfort and durability.

At Great Smiles of La Mesa, we’ve helped countless patients understand their insurance benefits and find the best path forward for restoring their smiles with dental implants. Our knowledgeable team can guide you through the process, from verifying your insurance to exploring flexible financing options. Request an appointment today at our La Mesa, CA office and let’s take the next step toward your confident, complete smile.