Dental Insurance That Covers Implants

Does Dental Insurance Cover Implants?

Dental insurance helps provide coverage for routine dental check-ups, basic services, and major procedures. Aflac’s network and supplemental dental insurance plans for individuals and families (which provide additional coverage for costs not covered by your network insurance) do not cover implants but can help reduce your out-of-pocket costs for dental care.

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Key Takeaways

Many dental insurance plans won’t cover implants, but some may help cover the cost if deemed medically necessary. Aflac dental insurance does not cover dental implants.
Aflac network and supplemental dental insurance plans help cover preventative care, basic services and major services with optional hearing and vision coverage available.

What does dental insurance cover?

Aflac’s network dental insurance plans cover:

Preventative Care: Routine exams and preventative treatment. There may be no waiting period for routine services.
Basic Services: Common, non-surgical procedures.
Major Services: Medically necessary surgical procedures. There may be a waiting period for some basic and major services.

In addition to network dental insurance, Aflac also offers supplemental dental insurance that helps cover expenses your netowrk plan doesn’t cover by paying cash benefits. You can also get hearing and vision coverage through Aflac’s Dental, Vision, and Hearing (DVH) Insurance.

How much do dental implants cost?

Dental implants typically cost between $3,000 to $7,000 for one tooth. This includes the device and the actual surgical procedure. Costs may vary based on the number of implants, the location of the implants, and the complexity of the procedure.¹

Does dental insurance cover dental implants?

Many dental insurance policies will not cover dental implants. However, some plans may help cover the cost if implants are deemed medically necessary. Aflac’s network and supplemental dental insurance plans do not currently offer benefits for dental implants. Supplemental plans can pay cash benefits to help cover costs not covered by your netowrk plan.

Is dental insurance worth it?

Although Aflac dental insurance doesn’t cover implants, there are still many advantages to having a plan. Dental insurance may be worth it for several reasons:

Reduced out-of-pocket costs: Dental insurance can help reduce the costs of preventative care, basic services, and major procedures. For instance, the average filling costs $191, but insurance may cover most of that cost.²
Encourage better oral care: Insurance typically covers up to two cleanings or dental exams per year. These included dental visits can encourage you to take better care of your oral health.
Prevent major procedures: With regular cleanings and proper care, you can reduce the likelihood you’ll need an expensive dental procedure.

Aflac network dental insurance doesn’t cover implants, but can help reduce your out-of-pocket costs for routine care and many other procedures. Our network dental insurance plans give you the freedom to work with providers in and out of network. Plus, our supplemental dental insurance for individuals and families can help provide you with the additional coverage you need.