Dental Insurance That Covers Implants

Dental insurance provides coverage for preventative care, basic services, and major procedures. It’s rare for dental insurance to cover implants. Aflac’s primary and supplemental dental insurance plans (which provide additional coverage for costs not covered by your primary insurance) do not cover implants but can reduce your out-of-pocket costs for dental care.

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Key Takeaways

Most dental insurance plans will not cover implants, but some may help cover the cost if deemed medically necessary. Aflac dental insurance does not cover dental implants.
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.

What does dental insurance cover?

Aflac’s primary dental insurance plans cover:

Preventative Care: Routine exams and teeth cleanings. There may be no waiting period for routine services.
Basic Services: Common, non-surgical procedures such as fillings.
Major Services: Medically necessary surgical procedures like crowns or root canals. There may be a waiting period for basic and major services.

In addition to primary dental insurance, Aflac also offers supplemental dental insurance that helps cover expenses your primary 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 implants, and the complexity of the procedure.¹

Does dental insurance cover dental implants?

Most 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 offer benefits for dental implants. Supplemental plans can pay cash benefits to help cover costs not covered by your primary plan.

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Is dental insurance worth it?

lthough 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 helps 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 (and potentially painful) dental procedure.

Get a quote for dental insurance

Aflac dental insurance does not cover implants, but our primary dental insurance plans can reduce your out-of-pocket costs for routine care and many other procedures. Aflac’s primary dental insurance gives you the freedom to visit providers in and out-of-network. Plus, our supplemental dental insurance for individuals can provide you with the additional coverage you need. Get a quote to see what your dental coverage could look like today.

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