Are Dental Implants Covered by Private Insurance?

Written by:

Dr. Justin Soon

Published on:

Are Dental Implants Covered by Private Insurance?

Dental implants have become the option of choice for people who are looking to replace missing teeth. They are reliable, look natural, and can last for many years. But one thing that concerns most people is the cost.

If you’re like most people needing dental implants, you may be wondering if they are covered by private insurance. Read on to learn more about whether or not dental implants are typically covered by private insurance policies and what your options are if they’re not.

Will Private Insurance Cover the Cost of Dental Implants?

Dental implants are a popular choice for tooth replacement, as they are a natural-looking and long-lasting option. Dental implant surgery involves placing a titanium post in the jawbone to serve as a replacement for the tooth root. An implant abutment and a prosthetic tooth, such as a dental crown, are then attached to the post.

However, private health insurance providers may not cover the entire cost of this treatment. While private insurance plans typically cover basic dental services, they often limit coverage for major dental work such as implants.

In addition, many private insurers consider implants an elective procedure, meaning they will only cover a portion of the cost. As a result, patients considering implant treatment should be prepared to pay out of pocket for at least a portion of the cost.

However, some private insurers are beginning to offer more comprehensive coverage for implant treatments. So, it is always worth checking with your insurer to see if your private health fund will cover the cost of your dental implant procedure.

How Much Does Dental Implant Surgery Cost?

The cost of dental implant surgery can vary depending on several factors, including:

  • The type of dental implant

  • The number of implants needed (a single implant vs. multi-tooth implants)

  • The private insurance coverage you have

  • The dentist’s skill and experience

  • Geographical location

  • Whether or not you need additional dental services, such as a bone augmentation procedure (bone grafting) or sinus lift.

However, the average cost of dental implant surgery is between $3,000 and $6,000. While this may seem like a lot of money, it is important to remember that teeth implants can last many years with proper maintenance and care.

Compared to other dental service options, such as dentures or bridges, which typically need replacement every five to seven years, this is quite a reasonable cost over time.

Why Don’t Some Healthfunds Cover Dental Implants?

Dental implants are a popular dental service; however, not all healthfunds cover this treatment. There are a few reasons why this may be the case.

Firstly, dental implants are classified as a major dental service, and many health funds have an annual limit on how much they will cover for major dental. This means that if you have already used up your annual limit, you may have to pay for dental implants as an out-of-pocket expense.

Additionally, implant treatment can be quite costly and may not be covered by your healthfund even if you haven’t reached your annual limit. This is because some healthfunds only cover a certain percentage of the cost of dental services, and dental implants may not fall within this percentage.

Ultimately, it is important to check with your healthfund to see if they cover dental implants before you book in for treatment.

Will Medicare Cover the Cost of Dental Implants?

Dental implants are considered cosmetic procedures and, as such, are not covered by Medicare. There are a few exceptions, however.

If dental implants are being utilised to support a prosthetic device, such as a denture or bridge, Medicare may cover a portion of the implant cost. In addition, if the dental implants are used to manage a disease or condition of the jaw, Medicare may also provide some coverage.

However, in most cases, patients will be responsible for paying the full cost of dental implants. For those considering this treatment, it is important to consult a medicare provider to determine coverage options.

Final Thoughts

When it comes to dental services, private insurance usually covers the basics, like check-ups, cleanings, and fillings. But for more major dental work like dental implants, it could be a bit complicated.

While some private insurance plans cover dental implants, others have an annual limit on dental coverage, meaning dental implants would not be covered. And still, other plans specifically exclude dental implants from coverage. So it really depends on your particular insurance plan.

If you’re considering dental implant treatment, the ideal thing to do is check with your insurance company to see your specific coverage. That way, you’ll know exactly what to expect when paying for dental treatment.

Karrinyup Dental Centre offers a variety of payment options and payment plans, so we can work with you to find a solution that fits your budget. So, whether or not your insurance plan covers dental implants, we can help make them affordable for you.

Have questions? Call us today, and we would be happy to help.

Frequently Asked Questions

The average lifespan of a dental implant is about 10 to 15 years, but some implants may last longer than 20 years.

Several factors can affect a dental implant’s longevity, including:

  • The type of implant
  • The location of the implant
  • The health of the surrounding teeth
  • The oral hygiene habits of the patient
  • Your lifestyle and other habits

Patients who smoke or do not practice good oral hygiene are more likely to experience implant failure.

By understanding the factors that affect dental implant longevity, patients can make informed decisions about their oral health and take steps to help their teeth implants last for many years to come.

There are risks associated with any surgical procedure, and dental implants are no exception. Although dental implants have become a common procedure, complications can still occur. The most common complications are:

  • Infection at the implant site:
    This can cause pain, swelling, and fever. In some cases, the infection may spread to the surrounding tissue, leading to more serious problems. This can also extend recovery time.

  • Nerve damage:
    This can cause tingling or numbness in the lips, gums, or chin. This usually subsides in a week or two, but nerve damage may be permanent for some.

  • Damage to nearby teeth:
    This is typically caused by improper placement of the titanium implant, which can put undue pressure on the adjacent teeth. Damaged teeth can lead to more problems.

  • Sinus problems:
    This can occur if the implant post extends into the sinus cavity.

  • Allergic reactions:
    This occurs when the patient is allergic to the metal in the implants

However, these risks can be minimised by carefully choosing an experienced implant surgeon and following post-operative care instructions.

Dental implants as replacement teeth have a high success rate. Additionally, they offer several advantages over other tooth replacement options, such as a bridge or denture. Some of the benefits a person can get from dental implants include:

  • Improved appearance:
    An implant looks and feels like your natural tooth.

  • Improved speech and chewing function:
    Dental implants fill the gaps left by missing teeth, allowing for improved ability to speak and eat.

  • Improved comfort:
    Because implants become part of your jaw bone, they feel just like your natural teeth.

  • Easier eating:
    Dentures that slip and slide can make chewing difficult. Implants function like natural teeth, allowing you to eat your favorite foods easily and without pain.

  • Increased self-esteem:
    Dental implants can give you back your smile and help you feel better about yourself.

  • Improved oral health:
    Unlike a tooth-supported bridge, dental implants don’t require the reduction of adjacent teeth. And because they don’t have to be anchored to other teeth, there’s no risk of tooth decay where the implant meets these teeth. This significantly improves oral and dental health.

  • Value for money:
    Dental implants are a long-term investment in improving your appearance and boosting your self-confidence. With proper care, they can last for many years.

Dental implants are not the only option for tooth replacement. Bridges and dentures are two alternatives that can also be used. Both have pros and cons that should be considered before making a decision.

Dental Bridges

Bridges are dental appliances used to fill gaps left by missing teeth. They are held in place by being attached to the natural teeth on either side of the gap. Dental bridges can be made from various materials, including porcelain, metal, or a combination of both.

One advantage of bridges is that they do not require surgery to place them. However, they can put extra strain on the surrounding teeth and may need to be replaced every five to seven years.


Dentures are artificial teeth used to replace a single tooth or multiple teeth. They can be removed and put back in place as needed. These false teeth are supported by the gum tissue and held in place with adhesive. Dentures can be made from different materials, including acrylic, nylon, or metal.

One advantage of dentures is that they are much less expensive than dental implants. However, they can be difficult to keep in place and may need to be replaced every five to seven years. Additionally, dentures do not provide the same level of function as natural teeth.

The suitable alternative for tooth replacement will vary from person to person, depending on their needs and situation. It is important to talk to a dentist about all of the options before making a decision.

Dr. Justin Soon


Dr. Justin Soon

Dr. Justin completed his Bachelor of Dental Surgery at the University of Western Australia. Dr Justin completed his surgical implant training under the mentorship of Dr. Glen Liddelow, Dr. Graham Carmichael, and Dr. Brent Allan at the Branemark Centre.

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