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Does Dental Insurance Cover Implants?

Dental insurance can help cover routine dental check-ups, the basics, and more invasive treatments. Aflac’s primary and supplemental dental insurance plans for individuals (which provide additional coverage for costs not covered by your primary insurance) don’t cover implants, but we can help you reach your oral health goals through our coverage options. Read on to learn more about what dental insurance covers.

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Table of Contents

Key Takeaways

  • Aflac’s primary and supplemental dental insurance plans help cover preventative care, basic services like fillings, and major services such as some oral surgeries, with optional hearing and vision coverage available.
  • Aflac dental insurance does not cover dental implants. Many dental insurance plans won’t cover implants, but some may help cover the cost if deemed medically necessary.

What does dental insurance cover?

Aflac may be a great choice for you if you want dental insurance that helps cover periodontal treatments, preventative care and other services. You can expect some level of coverage in the following categories if you choose Aflac’s primary dental insurance:

  • Preventative Care: Routine exams and teeth cleanings. There may be no waiting period for routine services.
  • Basic Services: Dental Insurance helps with basic services such as fillings.
  • Major Services: Some oral surgeries and services may be covered by dental insurance. Waiting periods vary for basic and major services and usually only in the first year of the plan.
  • Optional Hearing and Vision: Unlike most dental insurance, you have the option to add hearing and vision coverage to your plan with Aflac’s DVH Insurance. Aflac offers a DVH Core Plan and a DVH Elite Plan that you can purchase directly.

Aflac also offers supplemental dental insurance, or additional coverage for expenses your primary plan doesn’t cover. With Aflac’s supplemental plan, you can receive cash benefits paid directly to you to help cover the cost of dental procedures.

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. Dental implant costs are high because they are complex procedures and can take a few months to complete.2

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 primary and supplemental dental insurance plans do not currently have benefits for dental implants.

Not all dental insurance covers implants and dentures, so we advise you to take a close look at the options you are considering.

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Why get dental insurance coverage?

Although Aflac dental insurance doesn’t cover implants, there are still many advantages to having a plan. For instance, dental insurance may encourage you to get cleanings and exams every six months. Maintaining your oral hygiene can help prevent a wide range of oral discomforts and emergencies.

Without insurance, the average filling costs can range from $200 to $400, depending on the type you need.1 On top of those fees, X-rays, an exam and anesthesia may be needed – and may have hefty price tags. Dental insurance for individuals that covers preventative care and cavities can help save money and protect your oral health.

Get a quote for dental insurance

With Aflac’s primary dental insurance, we give you the freedom to work with providers in and out-of-network. Additionally, our supplemental dental insurance for individuals can provide you with the additional coverage you need. Our affordable dental rates fit most budgets, and can help provide the peace of mind that comes from knowing you'll have help with both routine and unexpected expenses. Get a quote to see what your dental coverage could look like today.

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