UNDERSTANDING YOUR COVERAGE
Dental Implants and Insurance — What’s Actually Covered in 2025
Verify Your Benefits — FreeWhat Insurance Typically Covers (and Doesn’t)
✓ Usually Covered (50–80%)
- Tooth extraction (if needed before implant)
- Dental crown (the visible tooth part)
- Bone graft (if medically necessary)
- X-rays and diagnostics
- Anesthesia (varies by plan)
✗ Rarely Covered
- The implant post (titanium screw itself)
- The abutment (connector piece)
- Implant placement surgery
- CT/CBCT scan (3D imaging)
- Sinus lift (in many plans)
💡 The Bottom Line
Even if your plan doesn’t cover the implant itself, it may cover $1,000–$2,000 worth of related procedures (extraction, crown, bone graft). Every dollar helps — always verify your benefits before treatment.
Insurance Plans We Accept at 5D Smiles
We work with most major PPO dental insurance plans. Call us to verify your specific plan before your appointment.
Delta Dental PPO
Cigna PPO
Aetna PPO
MetLife PPO
Guardian PPO
United Concordia
HMO and Medi-Cal plans generally do not cover dental implants. Call to confirm your specific plan. We do not accept Medi-Cal for implant procedures.
If Insurance Doesn’t Cover It — Your Options
0% APR Financing with CareCredit
CareCredit offers 12–24 month 0% interest plans for qualifying patients. A $3,500 single implant becomes roughly $146/month over 24 months with zero interest. Apply takes minutes and approval is often same-day.
Lending Club Patient Solutions
Lending Club offers longer repayment terms (up to 60 months) for larger procedures like All-on-4. Competitive rates for patients who need more time. Monthly payments for All-on-4 can be under $350/month.
HSA / FSA Funds
Dental implants are an IRS-approved medical expense — you can use Health Savings Account (HSA) or Flexible Spending Account (FSA) dollars to pay for them. This effectively gives you a tax discount of 25–35% depending on your bracket.
In-House Payment Plans
We offer flexible in-house payment arrangements for long-term patients. Ask about our payment plan options at your free consultation.
Insurance Questions — Answered
Does Medicare cover dental implants?
Original Medicare (Part A and B) does NOT cover dental implants or routine dental care. Some Medicare Advantage (Part C) plans include dental benefits that may cover implants partially. Check your specific Advantage plan’s dental rider for details. Medigap plans also do not include dental.
Does Medi-Cal cover dental implants?
Medi-Cal Dental (Denti-Cal) does NOT cover dental implants. It covers basic services like extractions, dentures, and fillings. If you’re on Medi-Cal and need implants, financing options like CareCredit or our in-house payment plans are available.
What questions should I ask my insurance company?
Ask these specifically: (1) “Do you cover dental implants, implant abutments, or implant-supported crowns?” (2) “Do you cover bone grafting?” (3) “What is my annual maximum and how much has been used?” (4) “Is there a waiting period for major services?” (5) “What documentation do you need for pre-authorization?”
Will 5D Smiles help me with insurance paperwork?
Yes. Our team will verify your benefits before your appointment, submit claims on your behalf, and help maximize your coverage. If pre-authorization is required by your plan, we’ll handle that process too. We want to help you get every dollar of coverage you’re entitled to.
Let Us Verify Your Benefits for Free
Book your free consultation and we’ll verify your insurance benefits before you arrive. You’ll know exactly what’s covered, what you’ll owe, and what financing options are available. No surprises.
Book Free Consultation📍 8500 Florence Ave, Downey, CA