Dental Insurance That Covers Implants in Texas
Dental implants cost $3,000–$5,000 per tooth in Texas. These dental plans help offset the cost with 50% coverage after your waiting period.
No credit card needed · Coverage from $25/month · Texas licensed advisor
Dental implants are the gold standard for replacing missing teeth — but at $3,000–$5,000 per implant in Texas, they're one of the most expensive dental procedures patients face. Most people assume dental insurance won't cover implants. Many plans do — but only on comprehensive tiers, and usually with a 12-month waiting period.
If you're considering implants in the next 1–2 years, the smartest financial move is to enroll in an implant-covering dental plan now, so your waiting period is already running when you're ready to proceed.
🦷 Why Ameritas Stands Out
Ameritas covers dental implants on its major restorative tier at 50% of allowed charges after the deductible. With a $1,500 annual maximum, you can reduce the cost of a single implant by $700–$1,200 depending on your provider's rates.
Ameritas Plan Tiers at a Glance
| Tier | Monthly Cost |
|---|---|
| Preventive | ~$25–$30 |
| Basic Restorative | ~$38–$48 |
| Comprehensive | ~$55–$65 |
Frequently Asked Questions
Does dental insurance cover implants in Texas?
Yes — comprehensive dental plans including Ameritas, Cigna, and Humana cover dental implants at 50% of the allowed charge after the deductible. Most plans have a 12-month waiting period before major procedures including implants are covered.
How much does dental insurance save on implants in Texas?
With a plan that covers implants at 50% and a $2,000 annual maximum, you can save $1,000–$1,500 per implant on a procedure that costs $3,500–$5,000. For full-arch implants, which can run $20,000–$50,000, coverage is still subject to the annual maximum, so most patients spread procedures across 2–3 plan years to maximize benefits.
What is the waiting period for dental implants?
Most individual dental plans have a 12-month waiting period before major procedures including implants are covered. This means if you enroll today, your first implant procedure covered by insurance would be in approximately 12 months.
Are full-arch implants (All-on-4) covered by dental insurance?
Full-arch implant procedures like All-on-4 are covered at the same rate as individual implants — typically 50% of allowed charges up to the annual maximum. Because these procedures run $20,000–$50,000 total, most patients use dental insurance to cover the implants themselves while the prosthetic arch is covered separately.
What's better for implants — dental insurance or a dental savings plan?
For planned implants within 12 months, a dental savings plan (like Careington or Dental Plans) often provides better value because there's no waiting period and discounts apply immediately — typically 15–40% off implant costs. For implants planned in 12+ months, getting dental insurance now starts the waiting period clock and provides comprehensive coverage beyond just the implant.
Ameritas Dental · Texas
From $25/month. No waiting period on cleanings and X-rays. 10,000+ in-network Texas dentists.
Get My Quote →You'll be taken to Ameritas.com