Do Dental Savings Plans Cover Implants?

Updated February 2026 · 5 min read

Quick Answer

Yes — but not all plans. Higher-tier dental savings plans (typically $149–$199/year) include implant discounts of 15–25%. Standard discount-only plans may not cover implants. Always check the fee schedule for the specific procedure codes (D6010, D6057, D6058) before enrolling.

What You Actually Save on Implants

Implants are broken into multiple procedure codes, each discounted separately. Here's what a 20% discount looks like across a typical single-tooth implant:

ComponentRegular PriceWith 20% PlanYour Savings
Implant post (titanium screw)$1,500–$2,500$1,200–$2,000$300–$500
Abutment (connector piece)$500–$800$400–$650$100–$150
Crown (porcelain tooth)$1,000–$2,000$800–$1,600$200–$400
Bone graft (if needed)$500–$3,000$400–$2,400$100–$600
Full implant (all-in)$3,000–$6,000$2,400–$4,800$600–$1,200

Plans That Include Implant Discounts

Spirit Dental

Implants covered on all plan tiers

No waiting period, strong implant-specific fee schedules

Careington Care 500 Series

Implants included in fee schedule

One of the most widely accepted plans

DentalPlans.com marketplace

Filter by implant coverage

Compare dozens of plans at your specific dentist

Ameritas Dental Savings

Implants covered under standard membership

Strong network in the Southeast and Midwest

Why Insurance Rarely Helps With Implants

Most individual dental insurance plans either exclude implants entirely or pay only a fraction before the annual maximum is exhausted:

  • Annual maximum: typically $1,000–$2,000 — a single implant exceeds this
  • Many insurers categorize implants as "cosmetic" and exclude them
  • Even when covered, the waiting period is typically 12 months
  • Savings plan: no waiting period, no annual maximum, immediate access

Before You Enroll: Check These Codes

Ask your dentist for the procedure code before comparing plans. Implant-related codes:

D6010 — Implant fixture placement

D6057 — Abutment crown (prefabricated)

D6058 — Abutment crown (porcelain fused to metal)

D6059 — Abutment crown (all porcelain/ceramic)

D7310 — Bone graft

Use these codes to look up the exact discounted fee in a plan's fee schedule before signing up. Don't assume "implants covered" means all codes are included.

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