Dental implant costs

Dental implant costs refer to total expenses for artificial tooth root procedures, typically ranging from $3,000 to $5,000 per implant in the United States. Dental insurance plans, such as those from Delta Dental and Cigna, often exclude coverage for implants or classify them as elective, leaving patients responsible for full payment, YourInsurance.info states.

Major dental insurance policies sometimes cover up to 50% of the cost only if implants are medically necessary according to policy documents. Annual maximums on dental insurance frequently cap benefits between $1,000 and $2,000 per year, limiting reimbursement toward implant procedures.

Additional procedures like bone grafting and sinus lifts can add $200 to $3,000 each, increasing total out-of-pocket costs. Some dental discount plans provide 10–40% off implant costs at participating providers but do not function as true insurance.

Medicare generally excludes dental implants entirely unless related to a covered medical condition as stated by CMS guidelines. Medicaid rarely pays for dental implants except in states like New York or California that offer limited adult dental benefits under specific circumstances.

Flexible spending accounts (FSAs) and health savings accounts (HSAs) allow tax-free payment of eligible implant expenses with annual contribution limits set by IRS ($3,200 for FSAs and $4,150 for HSAs in 2024). Financing options through CareCredit or similar lenders enable staged payments but usually charge interest rates averaging 14%–17% APR according to lender disclosures.

Multiple implant placements or full-mouth reconstructions may escalate costs above $30,000 before insurance applies any caps or exclusions.