Getting implants isn’t just about looks — it’s about living better.
1. Dental implants are expensive — but you shouldn’t have to give up.
Dental implants are more than just a cosmetic upgrade.
They’re about restoring proper chewing, preventing jawbone loss, and maintaining your overall health.
But let’s be honest — when the price tag climbs into the thousands, it’s easy to feel like giving up.
This burden is especially real for:
- ✅ Low-income households – where even basic dental care stretches the budget.
- ✅ Seniors – living on fixed incomes after retirement, often without full dental coverage.
- ✅ Freelancers and self-employed workers – who don’t have access to employer-sponsored insurance.
And the consequences of delaying treatment?
- 🦷 Surrounding teeth can shift or weaken.
- 🦷 Gum disease and infections can set in.
- 🦷 Jawbone loss may require extra procedures like bone grafts — even more cost, more stress.
But here’s the good news:
You don’t have to choose between your wallet and your smile.
There are realistic alternatives — including options that don’t require traditional insurance.
One example?
👉 DentalPlans offers membership-based dental savings plans.
They’re not insurance, but they can save you up to 60% on procedures like implants.
- ✅ No waiting periods
- ✅ No approvals or paperwork
- ✅ Use immediately at participating providers
Sometimes, the real problem isn’t the cost — it’s not knowing these options exist.
Once you do, everything changes.
Up next, let’s look at real insurance plans that cover implants — and how to choose one that actually makes sense for your needs.
2. Are There Dental Insurance Plans That Cover Implants?
You might be thinking,
“Wouldn’t it be great if insurance covered implants? But doesn’t most insurance skip things like that?”
You’re not wrong — traditionally, most dental insurance plans only cover basic care like checkups, cleanings, and fillings.
Expensive procedures like implants or crowns have often been left out.
But that’s changing.
Today, providers like DentalPlans offer practical solutions — including PPO insurance plans that cover implants, as well as discount membership options that help you save instantly.
👇 Here are 3 implant-friendly plans you can actually consider — right now.
1) DentalPlus PPO
🔹 Quick Summary
- Implant Coverage: Yes
- Annual Maximum: $1,500
- Coverage Rate for Implants: Up to 50%
- Deductible: $50/year per person
- Waiting Period: Typically 12 months for implant procedures
🔹 Pros
- Broad coverage, including major services like implants
- Access to a PPO network — use it at many dentists nationwide
- Includes basic and preventive care like cleanings and fillings
🔹 Cons
- 12-month waiting period for implants in most cases
- Monthly premium is higher than discount plans ($35–45/month range)
🔹 Best for
- Those planning an implant in about a year
- Anyone who wants to offset major treatment costs
- People considering crowns, bridges, or other advanced dental work
2) Preventive DentalPlus PPO
🔹 Quick Summary
- Implant Coverage: Yes (same level as DentalPlus PPO)
- Annual Maximum: $1,500
- Coverage Rate: Up to 50%
- Deductible: $50/year
- Waiting Period: Up to 12 months for certain services
🔹 Pros
- Unlimited preventive care: cleanings, exams, etc.
- Broad coverage across PPO network dentists
- Great value for those who want coverage and control costs
🔹 Cons
- Plan name may confuse buyers (sounds like it only covers basics)
- Waiting period still applies for implants
🔹 Best for
- Those who prioritize regular care and want long-term implant options
- Anyone looking for slightly lower premiums than full PPO plans
👉 Explore Preventive DentalPlus PPO
3) DentalPlus Savings Plan (Discount Membership)
🔹 Quick Summary
- Implant Coverage: Not insurance, but up to 60% discount
- No annual limit
- No deductible, no waiting period
- Instant access after signup
- Includes savings on prescriptions, vision, hearing, and more
🔹 Pros
- No approval or claims process
- Immediate use — great for urgent implant procedures
- Very low monthly cost ($10–15/month; around $20s for families)
🔹 Cons
- Not an actual insurance policy — no reimbursements
- Discount rates may vary by provider and region
- Some dental offices may not accept membership plans
🔹 Best for
- People who need implants right away
- Self-employed, seniors, or those with limited income access
- Anyone seeking affordable dental care without high premiums
👉 Check DentalPlus Savings Plan
Dental implants don’t have to feel out of reach anymore.
With the right insurance or savings plan, you can access the care you need — often at a far more reasonable cost than you’d expect.
Start by comparing plans that fit your situation.
It’s no longer about giving up — it’s about choosing wisely.
3. How to Choose the Right Dental Implant Insurance (Without Regret)
Even if you’ve found a plan that covers implants,
another big question follows:
“Which one should I choose?”
Premiums, waiting periods, coverage amounts—they all vary.
So let’s simplify it.
Here are the core factors that actually matter when choosing the right plan:
① Always check the Annual Maximum Benefit
Implants are expensive procedures.
Even if a plan covers 50%,
you’re still limited by the annual maximum amount.
For example, if your plan covers up to $1,500 per year,
you may only be able to cover one implant, not multiple.
👉 Make sure your expected treatment fits within the benefit cap.
② Consider your Treatment Timeline
Most implant-inclusive plans come with a waiting period of up to 12 months.
This means you can’t use the coverage right away.
💡 However, some plans have shorter or even no waiting periods.
👉 If you need treatment soon, choose a plan with no waiting.
If you’re planning ahead, a plan with a longer wait time may still work.
③ Don’t judge by premiums alone—compare value vs. cost
A cheap monthly premium might sound great,
but often, those plans don’t include implants at all.
Instead, a slightly more expensive plan that covers major treatments
can actually save you more in the long run.
👉 Compare what you’re paying each month with what you’ll actually receive in coverage.
Summary Table
| Decision Factor | What to Look For |
|---|---|
| Annual Max Benefit | At least $1,000; ideally $1,500–$2,000 for safer coverage |
| Waiting Period | 0–6 months if urgent; 12 months is OK if you’re planning ahead |
| Premium vs. Coverage | $30+/mo should include implant coverage—always verify before buying |
There’s no one-size-fits-all answer.
If you’re in urgent need, go for speed.
If you’re preparing in advance, go for coverage.
The most important thing?
Choose a plan that fits your reality.
That’s the real key to avoiding regret.
4. What About Dental Membership Discount Plans Like DentalPlans?
If dental insurance feels too expensive,
or the waiting periods are holding you back from getting treatment now —
a dental savings membership plan might be your realistic alternative.
A popular example is the DentalPlans platform, which offers various options.
1) It’s Not Insurance — It’s a Membership
Dental discount plans are not traditional insurance.
Instead of filing claims and waiting for approvals, you simply:
- Pay a low annual fee
- Get access to pre-negotiated discounts
- Use your membership immediately after signup
There’s no deductible, no claim process, and no need to wait.
2) Can It Cover Implants Too?
Yes — many membership plans offer 20% to 60% off on high-cost treatments, including:
- Dental implants
- Crowns
- Bridges
📌 But make sure to check:
- Whether the plan includes implants
- If your local dentist accepts the membership
- The actual discount rate, which varies by provider and location
3) Example: DentalPlus Savings Plan
| Feature | Details |
|---|---|
| Type | ❌ Not insurance – discount membership |
| Implant Coverage | ✅ 20%–60% discount on implants |
| Waiting Period | ❌ None – usable right after joining |
| Annual Maximum | ❌ None – unlimited discount usage |
| Monthly Cost | $10–15 per person / ~$20 for families |
| Extra Benefits | Includes prescription, vision, and hearing discounts |
👉 Check Plans at DentalPlans
See current savings options and providers in your area.
4) Who Should Consider This?
- Self-employed, freelancers, or immigrants without insurance
- People who need immediate treatment like implants
- Those who want low-cost access without high monthly premiums
- Anyone looking for straightforward, no-approval-needed discounts
5) Final Thought
When traditional insurance doesn’t work for you,
a dental savings plan could be the smart, practical solution.
If your main goal is to lower out-of-pocket dental costs —
this could be your most efficient and affordable path.
5. Don’t Give Up Because It’s Expensive. Change the Information Instead.
Dental implants can be essential for many,
but the high cost often leads people to delay treatment—or give up entirely.
But you don’t have to walk away just because it’s expensive.
Thanks to various insurance plans and discount memberships available today,
there’s almost always a realistic option for everyone.
For example, a plan like DentalPlus PPO may cover up to 50% of your implant costs.
Or a membership like the DentalPlus Savings Plan can offer up to 60% discounts at participating providers, without any claims or approval process.
The key is finding what fits you best,
and the first step is simply knowing your options.
✔️ Some people still pay thousands entirely out of pocket,
✔️ while others are already saving big with smart coverage or discounts.
You may have fewer reasons to delay than you think.
Change the information, and you can change what’s possible.
CoverWish is here to help you start that journey.
Disclaimer and Responsibility Notice
This post was created to provide clear and helpful information about dental insurance and implant coverage.
We’ve done our best to simplify complex details and offer real, research-based insights to guide your decisions.
However, insurance policies are subject to change, and coverage options may vary depending on your personal health status, location, and the specific terms of each provider.
Some plans may also have hidden exclusions or eligibility requirements that aren’t immediately visible.
For this reason, we strongly encourage you to review the official details on each insurance provider’s website or speak directly with a representative before enrolling in any plan.
The affiliate links included in this article are for your reference only, and the final decision to enroll is entirely your responsibility.
Our mission is to empower you with better information—
but what you choose to do with that information is always in your hands.
“The right information changes your choices,
and the right choices change your life.”
CoverWish