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Dental insurance helps cover routine cleanings and exams, as well as a portion of basic services and major procedures. However, most dental insurance plans don't cover dental implants.
While Aflac's network dental insurance doesn't cover implants, our supplemental dental insurance plans for individuals and families may help reduce your overall dental expenses. These plans pay cash benefits that you can use toward eligible dental costs that fall outside your network plan's coverage.
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Dental implants are small titanium posts that a dentist places in your jawbone to replace missing tooth roots. Over time, your bone grows around the post and holds it securely in place. Once the area heals, your dentist attaches a small connector piece, called an abutment, and secures a custom-made replacement tooth, called a crown, on top.
Dental implants look and function like natural teeth. If you've lost a tooth, an implant may help improve your ability to chew and restore your smile's appearance.
You may need a dental implant if you've lost a tooth due to an injury, trauma, or serious dental issue. If you lost a tooth in an accident or are experiencing chewing or speaking problems, some insurance plans may classify your dental implant as medically necessary.
Dental implants are less likely to be considered medically necessary if the tooth loss is due to gradual decay or if your motivations are cosmetic.
Getting a dental implant can involve several procedures, such as:
With proper care, dental implants can last anywhere from several years to a lifetime. Daily brushing and flossing, along with regular dental checkups, can help keep the new implant secure.
Dental implants typically cost between $3,000 and $6,000 per tooth.1 Your total cost will depend on:
If you're searching for dental insurance that covers implants, it's important to review your options carefully. It can be difficult to find dental insurance for implants, as they're often considered cosmetic.
However, some insurance plans may provide partial coverage if your dentist determines that the implant is medically necessary.
Aflac's network dental insurance plans offer coverage for:
Aflac also offers supplemental dental insurance that can provide cash benefits to help offset the cost of eligible services your network plan doesn’t cover.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedAlthough Aflac dental insurance doesn't cover implants, our plans can provide the following benefits:
Aflac network dental insurance plans give you the freedom to work within- and out- of- network providers. Additionally, our supplemental dental insurance for individuals and families can help provide additional coverage.
Read on to learn how dental insurance works, how much it costs, and some affordable policy options Aflac offers.
Having some type of cost-efficient dental plan, like the ones offered at Aflac, can help you avoid the high fees that may come from buying dental care without insurance.
Read on to learn how dental insurance works, how much it costs, and some affordable policy options Aflac offers.
Having some type of cost-efficient dental plan, like the ones offered at Aflac, can help you avoid the high fees that may come from buying dental care without insurance.
1 American Academy of Implant Dentistry - How Much Do Dental Implants Cost? Updated March 7, 2024. https://connect.aaid-implant.org/blog/how-much-do-dental-implants-cost. Accessed February 18, 2026.
2 GoodRX - Got a Cavity? Here’s How Much a Filling May Cost You. Updated February 9, 2024. https://www.goodrx.com/conditions/dental-care/cavity-filling-cost?srsltid=AfmBOop41rhM5toVaAwHEAGDAgcZ2nxAfguAlrXafyBukLpzzFXQ-vQ2. Accessed December 16, 2025.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Dental: In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.
Dental, Vision, and Hearing coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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