Insurance · Financing · April 2026
Does Insurance Cover Dental Implants?
Sometimes — but usually only part of the cost. Here's what to expect, what to ask your insurance, and how to fill the gap.
The honest baseline
Most dental insurance plans cover part of the crown portion of an implant — typically 50% up to your annual maximum. Some better plans also cover a portion of the implant placement itself. A few exclude implants entirely.
The annual maximum on most dental plans is $1,000–$2,000 — far less than a full implant case. So insurance helps, but rarely covers the majority.
When implants get more coverage
- Medical insurance sometimes covers implant-related costs when tooth loss was caused by trauma (accident), oral cancer treatment, or congenital conditions. This is rare but worth checking.
- Bone grafting and sinus lifts are sometimes covered separately from the implant itself.
- Two-year strategies — if you have multiple implants planned, splitting treatment across two calendar years can let you use your annual maximum twice. Your front-desk team will help you map this out if it makes sense.
What to ask your insurance
Before treatment, call your insurance and ask:
- Do you cover dental implants? (Specifically: implant placement, abutment, and crown.)
- What percentage do you cover?
- What's my annual maximum, and how much have I used this year?
- Is there a waiting period for major procedures?
- Is bone grafting covered separately?
Or — easier — call us at (516) 223-6896 with your insurance details and Joanna or Leidy will verify benefits for you and put it in writing before any treatment.
How Cherry Financing fills the gap
Even with insurance, most patients have a gap between what insurance covers and the total cost. Cherry Financing turns that gap into an affordable monthly payment. Pre-approval is fast and doesn't impact your credit score.
Try the Cherry payment calculator to see what your treatment would look like as a monthly payment.
Combining all of it
The most cost-effective approach for most patients: insurance covers what it covers, Cherry covers the rest as a monthly payment. We do the math for you at the consultation so you see the actual out-of-pocket monthly number before you commit.
For full details, see our Insurance & Financing page.