Does insurance cover the cost of dental implants?

July 6 2023

1. Do you have missing teeth but don’t have savings to pay for them?
2. Don’t want to explore 0% dental finance options?
3. Have health insurance already and are wondering if you’re covered?

If the above sounds right, keep reading to discover if insurance for dental implants even exists…

Dental insurance – what’s covered and what’s not

Basic plans

✅ Dental check-ups, exams and preventive dentistry

✅ Portion of the cost for dental treatments (e.g. £800 for £32 pm)

✅ Accident cover, emergencies and dental injuries

✅ Restorative care, including crowns, bridges and dentures (Denplan)

✅ Routine x-rays

❌ Cosmetic treatments

❌ Orthodontic treatments

❌ Surgical implants

❌ Any treatment not deemed to be clinically necessary (AXA)

The fine print

Some insurance companies like Bupa offer up to a 20% discount on dental treatments like bridges or dentures.

However, Bupa also states that treatments provided by a specialist dentist registered with the GDC or a dentist with a special interest who only provides this service are not eligible for discounts. So it can be difficult to know where you stand.

Finding insurance that covers dental implants

Although most healthcare plans don’t cover the cost of implants, certain dental saving plans can make the process more affordable.

Certain providers and plans won’t cover dental implants as they are not deemed clinically necessary, but certain packages and upgrades can help spread the cost.

Things are changing – add-ons and upgrades

• AXA Premium: 50% towards the cost of private treatment, which can be claimed after three months of membership. AXA will pay a maximum of £500 per patient a year towards the cost of implants.
• Denplan Supplementary Insurance: If you’re a member of Denplan and have Supplementary Insurance, patients can apply for Denplan Implant Upgrade Cover. Patients can be covered up to a maximum of £20,000 per incident and £2,100 per implant fixture (following an injury only).

The cost of dental implants

We accept dental insurance.

Can’t afford implants? Ways to pay!

If you’re sold on dental implants as your missing tooth replacement and don’t think dental insurance will be an option for you, there are two additional ways to pay we offer here at our implant clinic in London.

1. We offer 0% finance over 12 months. If you wish to increase your monthly payments, you can extend your finance over 60 months, an interest-bearing 14.9%.
2. Part-paying is another way you can choose to bring down the cost of your monthly payments and pay no interest. For example, patients can pay 50% of their treatment upfront and finance the other 50% over 12 months of interest-free finance.

Dental finance example:

Cost of implant: £2,450

Term: 12 months (0%)
Monthly instalment: £204.17pm

Term: 24 months (14.9%)
Monthly instalment: £117.60pm

Term: 36 months (14.9%)
Monthly instalment: £83.70pm

Term: 48 months (14.9%)
Monthly instalment: £66.91pm

Term: 60 months (14.9%)
Monthly instalment: £56.97pm

Affordable dental finance on all treatments over £995.00

Check your eligibility in 5 seconds

Only FOUR quick questions

1. Are you over 18? *

• Yes
• No

2. You have a regular & consistent income & you or your partner are in full time employment (16+ hours pw). Or are self-employed or retired. *

• Yes
• No

3. Permanent UK resident (3+ years) *

• Yes
• No

4. Have income and UK Bank details *

• Yes
• No

I am sorry, but we cannot offer you finance. Please call 020 7928 4474 for other possible options. However, your parents or a friend could apply on your behalf.

Congratulations. You are likely to be approved for dental finance. Please apply now.

Name *

Telephone *

Email *

Which treatment are you interested in *

• Invisalign or Orthodontics
• Dental Impants
• Veneers or smile makeovers
• General Dental treatment
• Other

Message

Postcode *

Submit

We’ve teamed up with Chrysalis Finance to provide you with simple & affordable ways to pay for all types of dental treatment; finance from £950.00 to £25,000.00. You don’t need to be a homeowner. When approved, Chrysalis would pay our clinic directly.  Chrysalis Finance Limited is Authorised and Regulated by the Financial Conduct Authority, FRN 631193. This does not affect your credit score.

Page last Updated on 6th December 2023