Insurance, How to Get Dental Implants Covered by Insurance in India? 2023

How to Get Dental Implants Covered by Insurance in India?

Health insurance providers will only cover dental procedures that are medically necessary and recommended by a certified medical practitioner. In cases where a condition has the potential to become life-threatening if left untreated, health insurance will also provide coverage for dental treatment.

When are Dental Implants Covered by Insurance?

Short answer: Almost Never

Dental insurance is great for covering and protecting patients from the costs of preventative care like cleanings and x-rays, but that’s about it. Twice annual cleanings and maintenance are usually paid for, along with some other procedures like the occasional filling. Dental implants are typically defined as “cosmetic” and the vast majority of insurance plans simply do not pay for cosmetic dentistry. 

How Much Do Dental Implants Cost?

As any quick search will show, dental implants can be quite expensive. A dental implant for a single tooth typically costs about $5,000.

Getting an entire row of teeth starts at around $8,500, depending on how extensive the tooth loss is. The more significant the tissue and bone loss around the tooth, the more likely that bone grafting will be necessary. This simply compounds the cost and the complexity of the procedure itself. 

Are you considering dental implants to restore your smile and oral functionality? One important factor to consider is whether your insurance will cover the cost of dental implants. In this comprehensive guide, we will explore the topic of insurance coverage for dental implants in detail. From understanding the basics of dental insurance to knowing the factors that determine coverage, we’ve got you covered. So, let’s dive right in and answer the burning question, “Will insurance cover dental implant


Dental implants have revolutionized the field of dentistry, providing a long-lasting and natural-looking solution for missing teeth. However, the cost of dental implants can be a significant barrier for many individuals seeking this treatment. That’s where dental insurance comes into play. Understanding your insurance coverage for dental implants is crucial to make informed decisions about your oral health and finances.


Understanding Dental Implants

Dental implants are artificial tooth roots made of titanium that are surgically placed into the jawbone. These implants serve as a sturdy foundation for dental restorations, such as crowns, bridges, or dentures. By mimicking the natural tooth structure, dental implants provide improved stability and functionality compared to traditional tooth replacement options.

The Importance of Dental Insurance

Dental insurance plays a vital role in helping individuals afford necessary dental treatments, including dental implants. It provides financial protection and peace of mind by reducing the out-of-pocket expenses associated with dental care. However, it’s essential to understand that dental insurance coverage for dental implants can vary significantly depending on the type of insurance plan you have and various other factors.

Types of Dental Insurance

4.1 Dental PPO Plans

Dental Preferred Provider Organization (PPO) plans are one of the most common types of dental insurance. With a PPO plan, you have the freedom to choose any dentist or specialist within the insurance network. PPO plans typically offer coverage for a wide range of dental procedures, including dental implants.

4.2 Dental HMO Plans

Dental Health Maintenance Organization (HMO) plans work on a managed care model where you must choose a primary dentist who will coordinate your dental care. HMO plans often have lower monthly premiums but may have more limitations on coverage for specialized treatments like dental implants.

4.3 Dental Discount Plans

Dental discount plans, also known as dental savings plans, are not traditional insurance but provide discounted rates for dental procedures. These plans can be a cost-effective option for individuals without dental insurance coverage for dental implants.

4.4 Employer-Sponsored Dental Insurance

Many employers offer dental insurance as part of their employee benefits package. The coverage provided by employer-sponsored dental insurance plans varies widely, so it’s important to review the policy details to determine if dental implants are covered.

4.5 Government Dental Insurance Programs

Government programs like Medicaid and Medicare may provide dental coverage in some cases. However, coverage for dental implants through these programs is typically limited to specific medical conditions or special circumstances.

Coverage for Dental Implants

Coverage for dental implants can vary significantly from one insurance plan to another. While some plans offer comprehensive coverage, others may provide limited coverage or exclude dental implants altogether. It is crucial to review your insurance policy documents or contact your insurance provider directly to understand the specifics of your coverage.

Pre-authorization and Waiting Periods

In some cases, dental insurance plans may require pre-authorization or impose waiting periods for coverage of dental implants. Pre-authorization involves obtaining approval from the insurance company before proceeding with the implant procedure. Waiting periods refer to the duration you must wait after obtaining the insurance coverage before you can access benefits for dental implants.

Factors That Determine Coverage

Several factors can influence whether your insurance will cover dental implants. Let’s explore these factors in detail:

7.1 Medical Necessity

Many dental insurance plans consider dental implants to be a cosmetic procedure and may only cover them when they are deemed medically necessary. Medical necessity typically involves situations where the absence of teeth affects the individual’s ability to eat, speak, or maintain their overall oral health.

7.2 Missing Teeth Clause

Some insurance plans have a missing teeth clause that excludes coverage for tooth replacement if the tooth loss occurred before the start of the insurance coverage. If you had missing teeth before obtaining the insurance, it’s important to check if dental implants are still eligible for coverage.

7.3 Cosmetic vs. Restorative Considerations

The line between cosmetic and restorative dentistry can sometimes be blurred when it comes to dental implants. Insurance plans may cover dental implants if they are considered necessary for restoring oral functionality. However, if the primary purpose is solely cosmetic enhancement, coverage may be limited or excluded.

7.4 Insurance Plan Limitations

Each dental insurance plan has its own limitations and exclusions. It’s crucial to review your insurance policy carefully to understand the coverage details, including any specific limitations related to dental implants.

7.5 Coordination of Benefits

If you have multiple insurance policies, such as dental insurance through your employer and coverage under your spouse’s plan, coordination of benefits may come into play. Coordination of benefits determines how the two insurance plans work together to cover the cost of dental implants.

7.6 Provider Network Restrictions

Insurance plans often have a network of preferred providers. If you choose a dentist or oral surgeon who is not part of the network, your coverage may be limited, or you may be responsible for a higher percentage of the implant cost. It’s important to check with your insurance provider to ensure that your chosen dental professional is within the network.

Common Insurance Terminology

Understanding insurance terminology is key to navigating the complexities of dental insurance coverage. Here are some common terms you may encounter:

  • Premium: The amount you pay for dental insurance coverage, usually on a monthly basis.
  • Deductible: The predetermined amount you must pay out-of-pocket before your insurance coverage begins.
  • Co-payment: The fixed amount you are responsible for paying at each dental visit.
  • Coinsurance: The percentage of the dental treatment cost you are responsible for paying after meeting your deductible.
  • Maximum Benefit Limit: The maximum amount your insurance plan will pay toward dental treatment in a specific period, typically one year.
  • Out-of-Network Coverage: The coverage provided if you choose to receive treatment from a dentist who is not in the insurance provider’s network.

What are the Ways to Cover Dental Treatment Costs?

You can cover dental-related treatment costs in the following ways.

• Dental Cover:

Purchase a dental insurance rider to supplement your health insurance coverage and deal with dental issues.

• Government Schemes:

The Government of India offers several schemes that provide eligible individuals with free or subsidised dental treatment.

• Payment Plans:

Many dental clinics in India offer payment plans that allow patients to pay for treatment in instalments over time. This can be a good option for those who cannot afford to pay for such treatments upfront.

• Medical Crowdfunding:

This is becoming an increasingly popular way to raise funds for medical expenses, including dental treatment. Multiple platforms in India allow individuals to create fundraising campaigns and share them on social media to raise money for dental treatment. One must bear in mind that such platforms do not cater to people looking for cosmetic enhancements.

• Dental Colleges:

Many dental colleges offer treatment at a reduced cost compared to private clinics. Dental students conduct various procedures and offer treatment under the supervision of experienced dentists. This can be a good option for those who cannot afford private dental treatment.

Frequently Asked Questions (FAQs)

9.1 Can I use my regular dental insurance for dental implants?

Yes, depending on your insurance plan, you may be able to use your regular dental insurance for dental implants. However, it’s crucial to review your policy and contact your insurance provider to determine the specifics of your coverage.

9.2 What if my insurance does not cover dental implants?

If your insurance does not cover dental implants, there are alternative options to explore. Some dental practices offer payment plans or financing options to make dental implants more affordable. Additionally, dental discount plans or dental savings plans may provide reduced rates for implant procedures.

9.3 How can I find out if my insurance covers dental implants?

To find out if your insurance covers dental implants, you should review your insurance policy documents or contact your insurance provider directly. They can provide you with detailed information about the coverage, any limitations, and the steps required for pre-authorization, if applicable.

9.4 Are there any alternatives to dental insurance for covering implant costs?

Yes, there are alternatives to dental insurance for covering dental implant costs. Some individuals opt for dental savings plans, which offer discounted rates for dental procedures, including dental implants. Additionally, some dental practices may offer in-house financing options or work with third-party financing companies to help make dental implants more affordable.

9.5 Will insurance cover dental implants for individuals with pre-existing conditions?

Coverage for dental implants for individuals with pre-existing conditions can vary depending on the insurance plan. It’s essential to review your policy or contact your insurance provider to understand the specifics of coverage for pre-existing conditions.

9.6 Can I negotiate with my insurance company for coverage of dental implants?

While negotiation with insurance companies is possible, it may not always result in coverage for dental implants. However, if you believe dental implants are necessary for your oral health and well-being, it’s worth discussing your case with your insurance provider to explore possible options.


In conclusion, the coverage for dental implants by insurance plans can vary significantly depending on factors such as the type of insurance plan, medical necessity, and plan limitations. It’s important to thoroughly review your insurance policy, contact your insurance provider, and understand the specifics of your coverage before pursuing dental implants. Alternatives such as dental savings plans, financing options, and negotiation with insurance companies may also be worth exploring. Remember to consult with your dentist or oral surgeon to determine the best course of action for your specific dental needs.

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