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Dental Insurance Plans That Cover Implants Immediately

Written by: Jody Adams
Last updated: January 31, 2024

Dental health is very important for your well-being, no matter your age. Individuals missing a tooth or part of their tooth are at risk of infection and tooth misalignment. A titanium alloy dental implant resembles an artificial tooth root. 

An implant is placed in your jawbone and bonds with your natural bone in the shape of a screw. An implant becomes a sturdy base when it bonds to a crown, an artificial tooth. Most Americans lack dental insurance, with 74 million not covered

Without regular dental hygiene maintenance, unforeseen costs can damage your teeth and pressure your wallet. Dental insurance with full coverage may be right for you if you suffer from dental issues frequently.

The average cost of a single dental implant is between $3,000 and $4,500. According to the American Dental Association, 33.6% of adults between the ages of 19 and 64 have no dental insurance. To learn more about dental insurance and implant coverage, read on.

Statistics About Dental insurance You Should Know

  • Nearly 69% of Americans between the ages of 35 and 44 have lost at least one permanent tooth due to an accident, decay, or disease. 
  • Two-thirds of adults over 74 have lost their teeth. 
  • More than 3 million Americans have implants, and another 500,000 are added each year, according to the AAID. 
  • On average, getting a single dental implant costs about $3,000 to $4,500. 33.6% of adults aged 19 to 64 without dental insurance, according to the American Dental Association.
  • It's estimated that 69% of adults in their 35-44th year have lost at least one permanent tooth to accidents, decay, or gum disease, and more than 4% have lost all their teeth in their 74th year and beyond.
  • Over 3 million people in the United States have implants while over 500,000 people are added to this number yearly. 

If you are a disabled person and on the verge of getting evicted, check out our blog post on where to find emergency housing for disabled individuals.

What Is Immediate Dental Insurance?

A dental plan with no waiting period offers coverage for preventative, basic, and major dental services without any delay. These plans are perfect if you need a major dental procedure or have been putting off dental care due to cost. 

The types of coverage offered by dental insurance plans vary. In addition to routine exams and necessary treatments, full-coverage dental insurance covers more invasive procedures. Insurers who provide coverage for implants are in high demand. Implants and dentures are some of the most frequently sought-after treatments. 

Dental insurance plans that provide full coverage cater to a wide range of dental procedures. There is, of course, no guarantee that all treatments and procedures will be covered. If you cannot afford regular dental insurance, read our blog post about cheap dental care options for adults without dental insurance.

Providers Of Dental Insurance That Covers Dental Implants Immediately

Providers Of Dental Insurance That Covers Dental Implants Immediately

Individuals who need dental implants to replace missing teeth can benefit from dental insurance plans that cover them immediately. These plans generally cover implants, abutments, crowns, and surgery. These plans usually limit the amount covered per year and may also limit the number of implants. 

Dental insurance with full coverage does not guarantee that everything is covered. However, it can save you money in the long run if you use it for preventative services such as cleaning and fillings and major procedures. 

Implant placement and crown placement may also require patients to wait a certain period before receiving the crown.

The following are the top dental insurance providers that cover dental implants immediately. 

Delta Dental

Individual policies by Delta Dental include implants under its Platinum plan. Dental implants and other major treatments are covered at 70% under this plan. 

All preventive services are also covered at 100%. The basic treatment is also covered at 80%. The $2,500 annual maximum is a great choice for those requiring implants or other extensive treatment since it is much higher than their other options.

Spirit Dental

There are many different types of dental plans offered by Spirit Dental. If you choose one of these plans, look for an in-network dentist if Ameritas underwrites it. This is common practice among dental insurance companies. 

Different plans may cover implants differently since so many different plans exist. In most plans, incremental coverage is calculated using a typical table. Your cost-sharing portion decreases as you keep the plan longer. 


Ameritas also provide dental coverage. In most states, there are typically three or more options, but some states have more options than others. An incremental annual maximum is included with all Ameritas plans. It takes two to three years for plans to maximize their benefits. All covered services are free of waiting periods of any kind with Ameritas.

Denali Dental

Dental implants are covered by two Denali Dental plans, the Denali Summit Plan and the Denali Ridge Plan. The incremental coverage in this plan also caps out after four years, like the other plans we discussed. 

Dental implants are covered best by the Summit Plan. Denali Summit's implant coverage for four years increases by 10% each year, beginning with 30% in year one. By the fourth year, dental implants are covered to a maximum of 60%.

Choosing The Best Dental Implant Insurance Provider

It is important to determine whether you need dental insurance before you purchase it. Many people find it useful, but it is only sometimes so. Choosing an insurance policy may only be cost-effective if you compare the recommended treatment's cost to the premiums and cost-sharing. 

The following tips will help you choose the right dental insurance policy for your needs if you decide dental insurance is a good idea.

  • Check whether the insurance you are considering extends dental implant coverage.
  • Since dental implants are expensive, programs with greater annual limits are better.
  • Insurance programs that offer lower deductibles are preferred since they are more affordable.
  • Choose a dental insurance provider that allows you to customize your policy partially or entirely.

Sometimes, people who have dental insurance need dental implant treatment immediately. However, only some dental insurance providers or plans cover dental implants or have limitations. The dental insurance providers mentioned above cover dental implants immediately and have no waiting time. 

If you need a guide about dental insurance, check out our blog about how to get dental implants covered by insurance.

To learn more about the various grants and programs that provide financial assistance, check out the rest of the Gov-Relations resources. For best dental insurance for major dental work, visit our article today to learn more. For residents of New York looking to buy their first home, read this guide on New York first-time homebuyer grants and programs

Jody Adams
Jody Adams is an accomplished editor-in-chief with a deep understanding of social care and government benefits issues. With a background in journalism and a master's degree in Public Policy, Jody has spent her career shaping the narrative around social policies and their impact on society. She has worked with renowned publications, effectively bridging the gap between complex policy analysis and public understanding. Jody's editorial expertise ensures that vital information on social care and government benefits reaches a broad audience, empowering individuals to make informed decisions.
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