Dental insurance plans that cover implants (dental insurance that covers implants) help patients save thousands of dollars on restorative dental work. The cost of a single dental implant costs between $3,000 and $4,500 without insurance. Multiple implants can cost anywhere from $20,000 to $45,000.
The right dental implant coverage can make a huge difference in what patients pay. For example, most dental plans cover around 50% of implant costs after deductibles; however, benefits vary significantly among providers. To illustrate, Delta Dental’s Premium PPO Plan includes a $50 deductible and offers a generous $2,000 yearly benefit maximum. In contrast, Spirit Dental stands out because it doesn’t require a waiting period for implant procedures. Furthermore, monthly premiums range from $10 to $56, depending on the level of coverage and provider choice.
This piece gets into 12 dental insurance plans that cover implants (dental insurance that covers implants). You’ll see how they stack up in terms of waiting times, coverage percentages, yearly maximums, and costs. This helps you make smart choices about your dental care investment.
Learn more: American Dental Association page on implants:
Delta Dental
Topics: dental insurance that covers implants
Image Source: Delta Dental of Washington
Delta Dental leads the dental insurance industry in the United States. The company protects more smiles than any other insurer through its network that reaches all 50 states and Washington, D.C.
Delta Dental key features
Delta Dental boasts the largest network of dentists nationwide. Members can choose from more provider options than any other dental insurance company offers. Their plans include PPO, Premier, and discount options like Delta Dental Patient Direct. The company’s network includes nearly 4 out of 5 dentists at more than 200,000 locations.
Delta Dental implant coverage
Dental implants receive coverage under most Delta Dental plans, though coverage details vary by plan type. The Premium PPO Plan pays 50% of implant treatment costs after deductibles. This rate applies to both in-network and out-of-network dentists – the highest coverage percentage available. The company’s individual plans cover implants at different rates: Delta Dental PPO (50% coverage), Delta Dental Premier (40% coverage), and Delta Dental PPO Plus Premier (40% in-network, 30% out-of-network).
Delta Dental waiting period
The Premium PPO Plan requires a six-month waiting period for implants and crowns. This period is substantially shorter than competitors who often require 12-18 months. Delta Dental Patient Direct discount plans need no waiting period. Cleanings and exams, along with other preventive and diagnostic services, start immediately with all plans.
Delta Dental annual maximum
Delta Dental plans come with annual maximums between $1,000 and $2,000. These limits reset after each 12-month benefit period. The Premium Plan allows up to $2,500 per person annually. The Base Plan provides $1,000 while the Elevated Plan offers $1,500. Each approved claim reduces the remaining annual maximum.
Delta Dental pricing
Plan selection and location determine monthly premiums. The Base Plan starts at $34.04 and covers most preventive care at 100%. For $53.30, the Elevated Plan adds coverage for teeth whitening, implants, and mouthguards. The detailed Premium Plan begins at $88.87.
Delta Dental best for
Delta Dental works best if you’re looking for detailed implant coverage with manageable waiting periods. Specifically, the Premium PPO Plan is a great choice if you need major dental work such as implants. Notably, the plan offers a low $50 deductible and a generous $2,000 annual maximum benefit, which makes it highly attractive. Additionally, the company receives fewer customer complaints than expected for its size, indicating strong customer satisfaction.
Anthem
Topics: dental insurance that covers implants
Topic: dental insurance that covers implants
Image Source: Anthem Dental & Implants
Anthem Blue Cross Blue Shield stands as one of the most important players in the dental insurance market. They serve over 41 million subscribers nationwide through a network of 108,000 participating providers.
Anthem key features
Anthem’s Essential Choice PPO dental plans give you detailed options if you need implant coverage. The company has five plan tiers—Bronze, Silver, Gold, Platinum, and Incentive—with better coverage at each level. These plans cover 100% of preventive services like cleanings, exams, and X-rays right away when you visit in-network dentists. Members pay low deductibles of $50 per person, and coverage starts immediately. You can get Anthem dental insurance in 14 states: California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia, and Wisconsin.
Anthem implant coverage
Dental implant coverage differs among Anthem’s plans. Silver, Gold, and Platinum plans cover implants at 50% coinsurance after six months. The Incentive plan works differently. It starts with 30% coverage and grows to 40% in year two and 50% in year three. Members need one preventive visit each year, but there’s no waiting period. Bronze plans don’t cover implants.
Anthem waiting period
Silver, Gold, and Platinum plans need six months before implant coverage starts. The Incentive plan is different—it covers implants right away. Preventive services have no waiting time in any plan. Basic services like fillings need three months.
Anthem annual maximum
Each plan tier offers higher annual maximums. Bronze and Silver plans give $1,000 per person yearly. Gold plans offer $1,500, Platinum plans $2,000, and Incentive plans top out at $2,500 per year. These are some of the highest maximums you’ll find. Any unused portion rolls over to next year, which means even more coverage.
Anthem pricing
Anthem dental plans cost $50 monthly per person, no matter which tier you choose. They might not be the cheapest option out there, but you get great value for these benefits. This simple pricing helps you focus on picking the right coverage instead of comparing costs.
Anthem best for
Anthem dental insurance works great if you want coverage that grows over time. The Incentive plan rewards preventive care with better coverage percentages. People who need implants right away will like the Incentive plan’s immediate coverage. Families love these plans too, thanks to the high annual maximums that cover multiple procedures in one year.
Guardian
Topics: dental insurance that covers implants
Image Source: Guardian Life
Guardian offers a tiered approach to dental insurance through four distinct plans—Starter, Core, Achiever, and Diamond. Each plan provides different coverage levels for dental implants and other procedures.
Guardian key features
Guardian’s dental insurance network includes over 130,000 dentists nationwide, giving members plenty of provider choices. You won’t face waiting periods for preventative care on any plan. Most plans, all but one of these plans, let you start basic care like fillings and simple extractions right away. Approval takes just minutes after you apply, which helps when you need coverage quickly. The company lets you bundle your coverage with life, disability, vision, and accident insurance.
Guardian implant coverage
Coverage for implants varies based on Guardian’s plan lineup. The Diamond plan pays 50% of implant costs after deductibles. Both the Achiever and Core plans also cover implants at 50%. The Starter plan doesn’t include implants or major dental work. People who need implant coverage should look at the higher-tier plans.
Guardian waiting period
Each plan has specific waiting periods that depend on the type of service. No waiting periods exist for preventative care. Diamond, Achiever, and Core plans start basic care immediately. However, the Starter plan requires a 6-month waiting period before basic care begins. Moreover, major procedures — including implants — come with a 12-month waiting period on every plan that includes them. Therefore, patients who want implants in the near future should carefully consider this year-long delay.
Guardian annual maximum
Your annual maximum grows the longer you keep your Guardian coverage. The Diamond plan gives you $1,500 yearly. The Achiever plan starts at $1,000, grows to $1,250 in year two, and reaches $1,500 by year three. The Core plan begins with $500 and increases to $1,000 in the third year. The Starter plan follows the same pattern, starting at $500 and reaching $1,000 after three years. Implants have their own lifetime limits between $700 and $1,000, depending on your plan.
Guardian pricing
Guardian’s dental plans come with affordable monthly rates. The Premier plan costs $57 per month. Diamond plan premiums start at $37 monthly. You’ll pay from $29 monthly for the Achiever plan. The Core plan costs $19 per month. The Starter plan offers the lowest rate at $15 monthly.
Guardian best for
Guardian dental insurance works well if you want coverage that grows over time. The plans are great when you need higher-level coverage for major services like implants and can handle the 12-month wait. On top of that, it suits people who want quick approval and prefer keeping all their insurance with one company.
Spirit Dental
Topic: dental insurance that covers implants
Image Source: Spirit Dental
Spirit Dental key features
Spirit Dental’s multiple dental insurance plans come with guaranteed acceptance and next-day effective dates. The plans include PPO options like Core, Pinnacle, Preferred, and Preventive Plus, along with Flex plans that combine PPO and indemnity coverage. Their most attractive feature is a one-time $100 lifetime deductible instead of an annual one. Policyholders can choose any dentist they trust without network restrictions. Spirit Dental provides coverage for major services right from the first day of enrollment.
Spirit Dental implant coverage
Each plan type offers different dental implant coverage. The Core PPO starts with 25% implant coverage in the first year and increases to 50% afterward. Spirit Dental’s most complete option, the Pinnacle PPO, covers implants at 25% in year one, 30% in year two, and 60% from year three onward. All PPO plans include some level of implant coverage. The Flex plans generally don’t cover implants but provide varying coverage percentages for dentures.
Spirit Dental waiting period
Spirit Dental remains one of the few providers that offer dental insurance with no waiting periods for covered services. This policy applies to preventive care, simple procedures, major services including implants, and child orthodontia. Patients can schedule their implant procedures starting on the first day of coverage. This makes Spirit Dental a perfect choice for patients who need immediate dental work.
Spirit Dental annual maximum
Members’ annual maximums grow with continued coverage. The Pinnacle PPO plan features one of the industry’s highest annual maximums—$1,200 in year one, $2,500 in year two, and $5,000 from year three onward. The Preferred PPO gives $1,500 in the first year and $3,000 in subsequent years. The entry-level Core PPO maintains a steady $1,200 annual maximum.
Spirit Dental pricing
Monthly premiums start at about $24 for the simple Preventive Plus PPO and go up to $66 for the complete Flex Plus plan. The popular Core PPO costs around $41 monthly, while the Pinnacle PPO with its high annual maximum runs about $56 per month. Individual plans typically range from $20-$40 monthly, with more complete coverage costing between $50-$100.
Spirit Dental best for
Spirit Dental serves people who need immediate implant procedures and can’t wait through traditional waiting periods. The plan excels at providing high annual maximums to cover extensive dental work over time. The freedom to choose dental providers without network constraints makes this plan particularly appealing.
UnitedHealthcare
Topic: dental insurance that covers implants
Image Source: Sun Ridge Smiles
UnitedHealthcare offers several dental insurance options through Golden Rule Insurance Company. Their plans are designed to help patients who want implant coverage in 2025.
UnitedHealthcare key features
UnitedHealthcare’s dental plans give you flexibility to visit any dentist in the country without referrals. Their National Options PPO 30 network helps you get substantial discounts without any complex negotiations. They have different plan options that balance premium costs with out-of-pocket expenses. UnitedHealthcare also provides specialized dental coverage for seniors on Medicare. This helps fill the gaps since Original Medicare usually doesn’t cover dental benefits.
UnitedHealthcare implant coverage
Coverage for implants varies widely among UnitedHealthcare’s dental plans. Simple coverage plans that focus on preventive care and routine procedures don’t include implants. Plan 2000, however, covers 50% of implant costs after you meet the deductible. It comes with a dedicated $1,500 lifetime maximum benefit just for implants. The success of dental implants largely depends on choosing the right patients. UnitedHealthcare looks at factors like bone quality, occlusal load, and the patient’s health before they approve coverage.
UnitedHealthcare waiting period
Each service type and plan has different waiting periods. You can use preventive services right away with any plan. Plan 2000 needs you to wait 12 months before implant coverage starts. DentalWise plans are unique – they have no waiting periods for everything but implants. You’ll wait less time for simple services compared to major procedures.
UnitedHealthcare annual maximum
The annual maximum ranges from $1,000 to $3,000 based on your plan. Both the Basic Plan and Plan 1000 give you $1,000 annually, while Plan 2000 offers $2,000 in yearly coverage. Some employer group plans come with $1,500 annual maximums. Since implants cost a lot, you’ll benefit more from a plan with a higher annual maximum.
UnitedHealthcare pricing
Your premium depends on how much coverage you want and where you live. The Basic Plan costs the least and covers preventive care and simple fillings. Medicare Advantage plans with dental benefits cost about $17 monthly in 2025. Remember, this doesn’t include your regular Medicare Part B premium. Most dental plans have a standard $100 deductible per person.
UnitedHealthcare best for
UnitedHealthcare dental insurance works great for patients who want detailed coverage beyond just implants. Plan 2000 fits well if you’re planning implant procedures and can wait 12 months for coverage to begin. These plans are also perfect for Medicare recipients who need extra dental coverage through Medicare Advantage plans.
MetLife
Image Source: MetLife FedVip
MetLife Federal Dental Plan has a large network of participating dentists and specialists throughout the United States and overseas.
MetLife key features
MetLife’s Standard and High Option plans come with no in-network deductibles. Both plans cover over 700 services and procedures, making them a strong option for those seeking dental insurance that covers implants. Members receive 100% coverage for in-network cleanings, X-rays, and exams. Additionally, dental members benefit from identity and fraud protection through Aura at no extra cost. With access to over 475,000 dentist locations nationwide, members enjoy plenty of provider options.
MetLife implant coverage
The Standard and High Option plans both cover implants. MetLife expanded its coverage to include procedure codes for implant placement and maintenance. Members get 50% coverage for implant services in-network as they fall under major procedures (Class C). The company might need prior authorization, and members can replace implants once every 10 years. Crowns can be replaced every 5 years if they become unserviceable.
MetLife waiting period
MetLife stands out by not requiring waiting periods for major procedures, including implants in both Standard and High Option plans. The High plan needs a 24-month waiting period for orthodontia. This makes MetLife a great choice for patients who need implant treatment right away.
MetLife annual maximum
The Standard Option gives members a $2,000 annual maximum per person. The High Option has no annual maximum limit for general dental procedures. Both plans set lifetime maximums for orthodontia—$1,500 for Standard Option and $3,500 for High Option.
MetLife pricing
Geographic rating areas determine the bi-weekly rates. Self-only coverage costs between $10.48 and $14.07 for Standard Option, while High Option rates range from $18.45 to $25.90. Family coverage in the Standard Option costs $31.43 to $42.21 bi-weekly, and High Option rates run from $55.34 to $77.69.
MetLife best for
Patients who need immediate implant coverage without waiting periods will find MetLife ideal. The High Option plan’s unlimited annual maximum makes it perfect for people who need complete long-term dental care.
Physicians Mutual
Topic: dental insurance that covers implants
Image Source: Physicians Mutual
Physicians Mutual has grown into a trusted dental insurance provider since its founding in 1902. The company now offers implant coverage options across 42 states and Washington D.C.
Physicians Mutual key features
Physicians Mutual dental insurance covers over 400 procedures and lets you choose any dentist. The plans come with no deductibles and no annual maximums on benefits. Patients can save an average of 36% by using the network of 500,000 provider locations nationwide. The company’s optional Vision Benefit Rider adds valuable eye care coverage to the mix.
Physicians Mutual implant coverage
The coverage for implants changes based on plan tiers but stays modest. The Economy Plan pays just 25% of dental implant procedures whether you use in-network or out-of-network dentists. The lifetime maximum benefit for implants tops out at $1,000, which is nowhere near what competitors offer. The Premier Plan covers 70% of the maximum allowable charge for major services, including implants.
Physicians Mutual waiting period
The waiting periods depend on how complex the procedure is. You can use preventive care benefits right after your policy starts. Basic care coverage kicks in after 3 months. Major procedures like implants need a 12-month wait before coverage starts.
Physicians Mutual annual maximum
Physicians Mutual stands out from competitors by not setting annual maximum limits on benefits. This means policyholders can get the care they need without worrying about yearly caps. The $1,000 lifetime maximum for implants remains the most important limitation.
Physicians Mutual pricing
The company offers four plans to fit different budgets and coverage needs:
Economy Plus costs $30.10 monthly
Standard Plus runs $37.80 monthly
Preferred Plus, the most popular option, is $46.75 monthly
Premier provides the most complete coverage at $54.50 monthly
Your rates won’t increase for at least three years from when your policy starts.
Physicians Mutual best for
These plans work well for patients who want dental care without annual maximum limits. They also suit people who care more about choosing their provider than getting high coverage for implants. The low lifetime maximum for implants makes these plans better for basic implant procedures rather than extensive treatments.
DentaQuest
Topic: dental insurance that covers implants
Image Source: www.dentaquest.com
DentaQuest provides dental insurance through its nationwide network. The company stands out with the lowest customer complaint record among competitors and scores above average in J.D. Power customer satisfaction surveys.
DentaQuest key features
The company’s PPO plans operate in Arizona, Georgia, Illinois, Missouri, Ohio, Texas, and Virginia with out-of-network coverage. Their EPO plans run in Florida, Indiana, Louisiana, Pennsylvania, and Tennessee with in-network coverage only. Every plan covers preventive care at no cost. Beyond individual plans, DentaQuest leads as the largest provider of Medicaid dental benefits nationwide. Members can check their benefits through an online portal or mobile app that shows plan details, provider listings, and ID cards.
DentaQuest implant coverage
Plan location determines implant coverage levels. The Personal Dental Plan Plus covers implants up to 30% after meeting the deductible. Coverage varies by state – California plans cover 50% of implant costs while Texas plans cover 30%. Some plans offer 40% coverage to members under 19.
DentaQuest waiting period
Service type determines waiting periods. DentaQuest plans cover preventive and diagnostic services immediately. You’ll wait 6 months before using basic restorative services. The Personal Dental Plan Plus requires an 18-month wait for complex dental services including implants. This wait time runs longer than most insurers in this review.
DentaQuest annual maximum
The Personal Dental Plan Plus caps annual benefits at $1,250 per member each plan year[384]. Other plans set annual maximums between $1,000 and $1,500 for members 19 and older. These maximums fall below many competitors reviewed here.
DentaQuest pricing
Monthly premium costs stay competitive:
Personal Dental Plan Plus begins at $23.97 monthly
DentaQuest charges less than several providers like Delta Dental and MetLife
DentaQuest best for
Budget-conscious consumers who want affordable premiums with simple implant coverage will find DentaQuest appealing. The company’s excellent customer service record and strong J.D. Power ratings make it a great fit for people who value reliable support. DentaQuest works best when you’re comfortable trading lower coverage percentages and longer waiting periods for more affordable monthly rates.
Cigna
Topic: dental insurance that covers implants
Image Source: Cigna Healthcare
Cigna offers several dental insurance options through their plans of all sizes. Their bundled Dental Vision Hearing plans stand out for patients who need implant coverage.
Cigna key features
Furthermore, Cigna dental insurance gives you access to a nationwide provider network. In addition, you can manage your plan easily through myCigna.com or the myCigna App. When it comes to plan options, the company’s categories range from low-deductible plans starting at $20 monthly to high annual maximum plans beginning at $24 monthly. Moreover, their bundled plans combine dental, vision, and hearing coverage, starting at just $32 monthly. On top of that, the core team provides customer service around the clock, and best of all, you won’t need referrals to see specialists.
Cigna implant coverage
The Cigna Dental Vision Hearing 3500 plan stands alone in covering dental implants, with a $2,000 lifetime maximum benefit for implant procedures. Implant procedures can get pricey, so many other Cigna dental plans don’t cover them. You can get dental implant surgical placement once per year, and replacements are limited to one every 10 years.
Cigna waiting period
Cigna’s waiting periods change based on the service type. You can use preventive services right away. Basic and major restorative services need 6 to 12 months of waiting time, depending on your plan. Your waiting periods for Class 2 and 3 services might be waived if you had dental coverage with Class 3 major restorative services for 12 months or more. The gap between coverages should be less than 63 days. All the same, orthodontia and implant waiting periods must be completed.
Cigna annual maximum
The Cigna Dental 1500 plan comes with $1,500 in benefits for minor and major dental procedures. Annual maximums across their plans range from $1,500 to $3,000. The Cigna Dental Vision Hearing 3500 gives you $2,500 in dental benefits yearly.
Cigna pricing
Basic coverage starts at $20 monthly. The Cigna Dental 1500 plan typically costs $39 per month. Bundled plans with vision and hearing coverage begin at $32 monthly.
Cigna best for
Cigna dental insurance works well if you want complete bundled coverage for dental, vision, and hearing needs. The plan suits patients who need limited implant work better than those requiring extensive reconstructions.
Ameritas
Topic: dental insurance that covers implants
Image Source: Ameritas
Ameritas has provided dental insurance since 1887 through its PrimeStar portfolio. The company’s plans cater to different coverage needs and budgets.
Ameritas key features
Ameritas boasts one of the nation’s five largest dental networks with over 428,000 access points and 111,500 unique providers. Network dentists charge 25-50% less than their standard rates, which leads to substantial savings for patients. The company’s provider retention rate stands at an impressive 98% year-over-year. Members can manage their benefits through a secure online portal.
Ameritas implant coverage
Coverage for implants varies substantially between Ameritas plans. PrimeStar Complete covers implants at 20% in-network and 15% out-of-network in the first year. These rates increase to 50% in-network and 40% out-of-network after that. The plan does NOT cover the implant and abutment phase. Most procedures needed for implant placement count toward the plan’s calendar-year maximum.
Ameritas waiting period
Several Ameritas plans come with no waiting periods for preventive, basic, or major services. Some plans require 6-month waiting periods for minor work and 12-month periods for major dental work. Members can use coverage right away with day-one benefits on select plans. The company also waives waiting periods for customers who switch from a group dental plan within 30 days.
Ameritas annual maximum
Ameritas plans feature increasing annual maximums. PrimeStar Complete provides $2,500 in the first year and grows to $3,000 afterward. PrimeStar Boost starts at $1,500 and increases to $2,000 after year one. The simple PrimeStar Lite plan begins at $750 and rises to $1,500 after the first year.
Ameritas pricing
Monthly premiums vary by plan:
PrimeStar Complete: $62 monthly
PrimeStar Boost: $53 monthly
PrimeStar Lite: $28 monthly
Ameritas best for
Ameritas dental insurance works best for patients switching from employer coverage who can take advantage of waived waiting periods. The plans also suit people looking for annual maximums that increase over time.
Humana (Dental Insurance)
Image Source: Humana
Humana has made its mark in the dental insurance market with specialized Extend plans. These plans bundle dental, vision, and hearing benefits into one package. This makes them an excellent choice if you have multiple coverage needs.
Humana key features
Additionally, the company provides economical dental plans that cater to different needs. Notably, their Extend plan series stands out by combining dental, vision, and hearing benefits into one efficient package. These 3-in-1 plans start coverage right away without delay, eliminating waiting periods for routine dental exams, cleanings, and preventive vision and hearing exams. Meanwhile, the Complete Dental plan delivers resilient coverage at reasonable rates. Specifically, it features a USD 50.00/person or USD 150.00/family annual deductible, which providers waive for in-network preventive services.
Humana implant coverage
Two Humana plans cover dental implants — Humana Extend 2500 and Humana Extend 5000. Specifically, the Extend 2500 plan offers a $1,000 annual maximum for implants, included within a $2,500 total annual benefit cap. Additionally, it provides a $2,000 lifetime maximum for implant procedures. In comparison, the more comprehensive Extend 5000 plan doubles these limits, featuring a $2,000 annual maximum for implants and a $5,000 overall annual cap, along with a $4,000 lifetime implant benefit.
According to the American Dental Association, a single dental implant can cost between $540 and $2,868.10. Given these costs, both Humana plans offer significant financial relief for patients seeking implant coverage.
Humana waiting period
The waiting periods differ among Humana’s plans. Most plans cover preventive services immediately. The Extend 2500 plan requires a 12-month nonwaivable waiting period for implants. The Extend 5000 plan shortens this to 6 months. Federal plans through FEDVIP offer immediate coverage from day one.
Humana annual maximum
Each plan type comes with different annual maximums. The Complete Dental plan maintains standard annual maximums. The Extend plans have specific limits: Extend 1250 (USD 1,250), Extend 2500 (USD 2,500), and Extend 5000 (USD 5,000). These maximums cover all dental benefits, including implants.
Humana pricing
Dental plans:
Extend 1250: Starting at USD 35.99/month
Extend 2500: Starting at USD 59.99/month
Extend 5000: Starting at USD 82.99/month
Humana best for
These dental insurance plans work best if you want combined coverage for dental, vision, and hearing in one plan. The plans suit patients who need implants and can handle the waiting periods. They also benefit people who need detailed coverage with high annual maximums for major dental work.
Smart Health Dental Insurance
Topic: dental insurance that covers implants
Image Source: shdinsurance.com
Smart Health Dental stands out with Elite Care Coordinators who help members save 20-50% on procedures insurance doesn’t cover. This makes implant treatments more affordable for patients who need restorative dental care.
Smart Health Dental key features
Smart Health Dental provides multiple plan options that fit individual needs. Their plans have no waiting periods for covered services, which means members can use their benefits right away. Members get access to over 200,000 dental providers nationwide. The company gives you a choice between insurance plans and non-insurance discount options that work with different budgets. Their plans cover preventive procedures up to 100%, which helps members save money in the long run.
Smart Health Dental implant coverage
The detailed Elevate Plan covers major procedures including implants with no waiting periods. The Max plan covers prosthodontic services like bridges, implants, and dentures at 60% after waiting 12 months. The Elevate plan’s coverage gets better each year—it starts at 20% for major procedures in year one and reaches 50% by year three.
Smart Health Dental waiting period
Smart Health Dental’s no-waiting-period policy on many plans ended up attracting implant patients. The detailed Elevate Plan lets you use coverage for major procedures immediately. In stark comparison to this, their Max plan requires a standard 12-month wait for major services including implants.
Smart Health Dental annual maximum
The Max plan comes with a $3,000 annual maximum per person. The Elevate plan’s annual maximums grow over time: $750 in year one, $1,000 in year two, and $1,250 in year three.
Smart Health Dental pricing
Individual dental insurance plans begin at about $39 monthly. The prices stay the same whatever your age—this is the most important advantage for seniors looking for coverage.
Smart Health Dental best for
Seniors who want immediate implant coverage without waiting periods find Smart Health Dental extremely helpful. The plan works best for patients who value individual-specific assistance through their Elite Care Coordinator service to maximize savings.
Comparison Table
|
Insurance Provider |
Implant Coverage |
Waiting Period for Implants |
Annual Maximum |
Starting Monthly Premium |
Notable Features |
|---|---|---|---|---|---|
|
Delta Dental |
50% (PPO Plan) |
6 months |
$1,000-$2,500 |
$34.04 |
Nation’s largest dentist network; Low $50 deductible |
|
Anthem |
50% (Silver/Gold/Platinum) |
6 months |
$1,000-$2,500 |
$50.00 |
Benefits grow with Incentive plan; Services in 14 states |
|
Guardian |
50% (Diamond/Achiever) |
12 months |
$1,500 |
$15.00 |
Benefits increase yearly; Network spans 130,000+ dentists |
|
Spirit Dental |
25-60% (increases yearly) |
None |
$1,200-$5,000 |
$24.00 |
Direct coverage starts; Single $100 lifetime deductible |
|
UnitedHealthcare |
50% (Plan 2000) |
12 months |
$1,000-$3,000 |
Not mentioned |
Implant coverage caps at $1,500 lifetime |
|
MetLife |
50% (in-network) |
None |
$2,000 (Standard) Unlimited (High) |
$10.48 bi-weekly |
Immediate coverage; 475,000+ dentist locations |
|
Physicians Mutual |
25-70% |
12 months |
No annual maximum |
$30.10 |
Implant coverage up to $1,000 lifetime; Zero deductibles |
|
DentaQuest |
30-50% |
18 months |
$1,250 |
$23.97 |
Best customer satisfaction record |
|
Cigna |
Varies |
6-12 months |
$1,500-$3,000 |
$20.00 |
Implant coverage up to $2,000 lifetime |
|
Ameritas |
20-50% (increases yearly) |
None-12 months |
$2,500-$3,000 |
$28.00 |
428,000 service points; Maximum benefits grow yearly |
|
Humana |
Varies |
6-12 months |
$2,500-$5,000 |
$35.99 |
Complete dental, vision, and hearing package |
|
Smart Health Dental |
20-60% (increases yearly) |
None (Elevate Plan) |
$750-$3,000 |
$39.00 |
Personal Care Coordinators; Flat-rate pricing |
Conclusion
What to Expect from Dental Implant Insurance Plans in 2025
Dental implants are a major investment in oral health. A single tooth implant can cost thousands of dollars. Let’s get into these twelve dental insurance plans to see what matters most when making your choice.
Most plans cover 20–60% of implant costs after deductibles, with 50% being the norm. Spirit Dental stands out as all but one of these providers require waiting periods. MetLife also offers no-wait options through specific plans. DentaQuest takes a different approach with an 18-month waiting period before implant benefits kick in.
The annual maximums show big differences between providers. Humana’s Extend 5000 and Spirit Dental’s Pinnacle PPO are generous with $5,000 annual maximums. Other plans cap benefits at $1,000–$1,500. Note that lifetime maximums for implants vary too. Physicians Mutual caps at $1,000, while Humana offers up to $4,000 lifetime coverage for implant work.
How to Choose the Best Implant Insurance Plan for Your Needs
Your premium costs reflect what you get. Simple plans start at $20–$30 monthly. Detailed coverage with higher annual maximums and better implant benefits runs $50–$80 monthly. Delta Dental’s Premium plan costs more at $88.87 monthly but delivers great value through its mix of low deductibles, reasonable waiting periods, and substantial annual maximums.
The best insurance choice depends on your situation. Need implants right away? Look at plans without waiting periods like Spirit Dental or MetLife. Planning several implants? You’ll benefit from higher annual maximums in Humana’s Extend 5000 or Ameritas PrimeStar Complete. Guardian’s tiered options or DentaQuest’s affordable premiums might work better for budget-conscious patients, despite longer waiting periods.
The fine print matters when choosing dental insurance. Many plans limit implant replacements to once every 5–10 years and might not cover certain treatment phases. On top of that, it pays to use in-network providers who offer better rates through negotiated discounts.
Dental implants are a permanent solution for missing teeth that needs careful financial planning. The right insurance plan can make this expensive procedure more manageable and available to patients across the country.
FAQs
Q1. Which dental insurance providers offer the best coverage for implants?
Several providers offer strong implant coverage. For example, Delta Dental’s Premium PPO Plan covers 50% of implant costs and includes a $2,000 annual maximum. Meanwhile, Spirit Dental stands out by offering immediate coverage with no waiting periods. In addition, Humana’s Extend 5000 plan provides a generous $2,000 annual maximum for implants within a $5,000 total annual benefit. Altogether, these providers offer a range of options depending on your budget and needs.
Q2. Are dental implants typically covered by insurance?
Yes, many dental insurance plans now offer some degree of implant coverage. However, the extent of coverage varies widely. In most cases, plans cover between 20% and 60% of implant costs after deductibles. That said, you should expect additional conditions, such as waiting periods, annual limits, and lifetime maximums specifically for implant-related procedures.
Q3. How can I afford dental implants if I don’t have insurance?
If you’re uninsured, there are still several ways to reduce your implant expenses. For instance, you can explore dental discount plans, apply for financing through options like CareCredit, or take advantage of payment plans offered directly by dental clinics. Additionally, dental schools often provide discounted services performed by supervised students. Some practices may even offer promotional packages for implants, which can further reduce your out-of-pocket costs.
Q4. What should I look for in a dental insurance plan if I need implants?
When evaluating dental insurance for implant coverage, pay attention to several key features. Specifically, consider the coverage percentage, waiting periods, and both annual and lifetime maximums. Moreover, make sure the plan includes a broad network of providers. Ideally, choose a plan that offers at least 50% coverage, has minimal waiting periods, and includes higher benefit caps to cover substantial dental work.
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![No Win No Fee Lawyers: The Hidden Truth About Settlement Cuts Legal representation through no win no fee lawyers gives clients a way to fight cases without paying anything upfront. Many clients don't know that these services take a big chunk of money after winning the case. Lawyers usually take 25% to 40% of what you win as their contingency fee. The amount lawyers take from settlements can add up fast. A $100,000 settlement means your attorney gets $30,000 if they charge a 30% fee after winning your case. Your solicitor's cut might be £10,000 from a £30,000 compensation award, based on your agreement percentage. This payment model stays pretty much the same for no win no fee lawyers in different places, though percentages can change. This piece breaks down what you need to know about contingency fee deals. You'll learn about standard fee ranges, extra costs beyond the basic fee, and times when this payment setup might not work in your favor. Smart clients should think over these money matters before signing up with a lawyer to make better choices about their legal help. What No-Win No-Fee Really Means Image Source: Express Legal Funding A no-win no-fee arrangement, also called a Conditional Fee Agreement, changes the way people get legal help. This payment approach removes the need to pay legal fees upfront and creates a partnership between clients and their attorneys. How contingency fees work No-win no-fee agreements are based on contingency fees. Lawyers get paid only when they win compensation for their clients. Most lawyers take between 25% and 40% of the final amount, based on how complex the case is and where it's filed. Lawyers take their cut after winning the case. To name just one example, see a case where a lawyer wins £30,000 in compensation with a 33% fee - they would receive £10,000. On top of that, some law firms use sliding scales where they charge less for quick settlements and more if the case goes to trial. The law requires a written agreement before any work starts. This paperwork spells out the lawyer's percentage, what costs you'll need to cover, and other key details. What happens if you lose the case The meaning behind "no-win no-fee" is clear - losing your case means you won't pay your lawyer anything. All the same, you should know about a few money-related details. You won't owe your lawyer when you lose, but some deals might make you pay for court fees, expert witnesses, or other case expenses. The other side could also ask you to pay their legal costs. Many lawyers suggest getting "After Event" insurance to protect their clients. These policies cover any costs if you lose your case, which makes the no-win no-fee setup much safer. Why lawyers offer this model Lawyers want to make legal help available to more people, so they offer these payment plans. This setup helps people who don't have much money take legal action when they have valid claims. The payment structure motivates lawyers to work hard. They only get paid by winning cases, which pushes them to get the best results possible. Lawyers carefully assess each case before taking it on a no-win no-fee basis. They usually accept cases that have a good chance of winning, since they put in lots of time and resources without any guaranteed payment. The Real Cost: How Much Do Lawyers Take from a Settlement Image Source: Greiner Law Corp. The true cost of no-win no-fee legal representation becomes clear once we look at contingency fees. Many clients feel surprised to see a big chunk of their settlement checks going to their attorney's fees. Typical percentage ranges (25%–40%) No win no fee lawyers typically ask for 25% to 40% of the total settlement amount. Personal injury attorneys usually take 33.3% (one-third) of the awarded compensation[101]. Lawyers and clients agree on this percentage before any work starts on the case. Several factors shape the final percentage. Your chances of winning, case complexity, and the work to be done play key roles in determining the attorney's cut. Some areas have laws that cap the maximum contingency fees for specific types of cases. Sliding scale based on case complexity Law firms often use a tiered fee system that changes with the case stage and complexity. This scale rewards quick settlements while paying attorneys fairly if more work becomes needed. The fee might start at 30% if the case settles before lawsuit filing. This number could climb to 35% after filing or reach 40% if the case goes to trial. Law firms often group cases by complexity: 10%-20%: Simple cases with straightforward settlements 25%-35%: Typical personal injury cases 35% and above: Complex cases requiring extensive resources Examples of payout breakdowns These ground examples show how fees affect settlements: A $15,000 settlement with a 33.3% contingency fee.pdf) puts $5,000 in the attorney's pocket, leaving $10,000 for the client. Similarly, from a $100,000 settlement with a 33% fee, the attorney gets $33,000 while the client receives $67,000[102]. Complex cases tell a different story. A $100,000 settlement with a 30% fee plus $5,000 in extra costs leaves $65,000 for the client after all deductions. These fees substantially change the client's final payout. Hidden Costs You Might Not Expect Image Source: Nelson Personal Injury Lawyers Beyond percentage-based fees, clients often feel surprised by extra costs that can reduce their final compensation by a lot. These hidden costs show up in the fine print of no-win no-fee agreements. You should think over these details before signing. Court filing and expert witness fees Legal proceedings come with unavoidable court filing fees. These charges differ by jurisdiction. They usually range from $30 for small claims to several hundred dollars for complex civil lawsuits. Expert witnesses can be expensive, with hourly rates ranging from $150 to $1,000 based on their credentials and testimony complexity. Expert witnesses charge more for court appearances than consultation work because of added pressure and prep time. Clients might still need to pay experts for their prep work even if the case settles before trial. Medical report and investigation costs Medical documentation is a vital part of many legal claims. These costs include fees to release medical records, create specialized reports, and prepare documents. Investigation costs cover evidence gathering, police reports, witness interviews, and other fact-finding work needed to build a strong case. Of course, some firms say they'll cover these expenses upfront, but clients don't completely avoid these costs. When these costs are deducted from your compensation Law firms take these expenses from the settlement amount before they calculate their percentage fee, though each firm handles this differently. Some lawyers subtract these costs after figuring out their contingency fee, which changes how much money clients end up with. Most firms pay case-related costs during the process and get their money back from the settlement. The defendant usually pays most simple legal costs and disbursements in successful cases, but not always everything. Insurance protects clients from costs in unsuccessful claims at many law firms, but this protection isn't guaranteed. Clients should review their agreements carefully since they might still need to pay specific expenses even if they lose their case. When No-Win No-Fee Might Not Be the Best Option Contingency fee arrangements give many people access to justice. However, this payment model doesn't always work in a client's best interests. Knowing these limitations helps clients make better decisions about their legal representation. Cases with unclear liability Lawyer no win no fee arrangements work best in cases where fault is clear. We assessed the probability of success before taking contingency cases. Lawyers might turn down cases if there isn't enough evidence of the other party's negligence or if liability isn't certain. Cases with multiple responsible parties create more challenges. The situation gets complicated fast when several parties share liability. Lawyers are less likely to take these cases on contingency. They need to be confident they can prove the other party's negligence before accepting a case. Low-damage or low-payout claims Small claims often don't work well with the contingency model, even with real injuries. Cases that have minimal injuries or limited financial damages might not bring enough compensation to cover legal costs. The potential settlement needs to be big enough to pay for investigations, witness interviews and court fees. Personal injury lawyers often turn down cases where the "compensation potential" is too small. This doesn't mean the claim isn't valid - it just means the economics don't add up for a contingency arrangement. Situations where hourly billing may be better Hourly billing has clear advantages in certain cases. Clients see exactly what they're paying for - every hour worked and task completed. This model works well for cases that need lots of attention but don't have clear financial outcomes. Complex litigation with opposing parties works better with hourly billing and a retainer fee. Clients have more control over their case and don't feel pressured to settle quickly. Cases that need extensive preparation but have uncertain outcomes fit the hourly model better. Lawyers can spend the time needed without worrying about contingency limits. This approach often leads to better representation, especially for complex legal issues that need special expertise. Conclusion Understanding the Full Picture Before You Sign No-win no-fee arrangements offer legal representation without upfront costs. Of course, this seems attractive at first glance. In spite of that, you need to think about how these agreements can affect your final compensation. Legal fees usually range from 25% to 40% of your settlement - but that's just the start. You'll face more deductions like court filing fees, expert witness costs, and charges for medical documentation. What looks like a "free" service ends up taking a big chunk of your compensation to cover legal expenses. These arrangements work best in specific situations - cases with obvious liability, substantial damages, and solid evidence. If you have a low-value claim or complex liability issues, traditional hourly billing might serve you better. Without doubt, you should ask for clear explanations of all possible costs before signing anything. Read the fine print closely, especially when you have to deal with expenses in unsuccessful cases. Ask to see sample settlement breakdowns that show all deductions. This helps you picture what you might actually take home. Your choice to go with a no-win no-fee arrangement depends on your situation. This model helps if you don't have money to pursue valid claims. But if you have a strong case and enough funds, other fee structures might let you keep more of your compensation. Whatever payment model you choose, knowing exactly how much lawyers take from settlements helps you make better decisions. This knowledge lets you approach legal representation with real expectations and better control over your money. FAQs Q1. What percentage of a settlement do no-win no-fee lawyers typically take? No-win no-fee lawyers typically charge between 25% to 40% of the final settlement amount as their contingency fee. The exact percentage often depends on the complexity of the case and the stage at which it is resolved. Q2. Are there any hidden costs in no-win no-fee arrangements? Yes, there can be additional costs beyond the lawyer's percentage fee. These may include court filing fees, expert witness costs, medical report expenses, and investigation costs. These expenses are usually deducted from the settlement amount before or after the lawyer's fee is calculated. Q3. What happens if I lose my case in a no-win no-fee arrangement? If you lose your case, you generally won't have to pay your lawyer's fees. However, you might still be responsible for certain expenses like court costs or the opposing party's legal fees. Many lawyers offer insurance to protect clients from these potential costs in case of an unsuccessful claim. Q4. When might a no-win no-fee arrangement not be the best option? No-win no-fee arrangements may not be ideal for cases with unclear liability, low-value claims, or complex legal issues requiring extensive preparation. In these situations, traditional hourly billing might be more appropriate and potentially more cost-effective for the client. Q5. Can I negotiate the percentage a lawyer takes from my settlement? Yes, the contingency fee percentage is often negotiable. It's typically agreed upon and formalized in writing before the lawyer begins working on your case. Don't hesitate to discuss the fee structure with your lawyer and ask for a detailed breakdown of potential costs and deductions.](https://consumersweek.com/wp-content/uploads/2025/06/No-Win-No-Fee-Lawyers-The-Hidden-Truth-About-Settlement-Cuts-870x570.webp)
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