As with most insurance plans and providers, there are very specific stipulations that apply to if and how dental implants are covered. Some dental insurance plans include coverage for dental implants, but most don’t. Most dental insurance plans consider implants to be a cosmetic procedure, which is a category of dental services that is not usually covered. If they are covered, the amount or percentage of coverage depends on your plan. In some cases the crown portion of the implant is covered by dental insurance but the implant root is covered by medical insurance. If the original tooth was lost because of a medical condition, medical insurance may cover the implant. If the original tooth was lost due to an accident, the implant may be covered under accident or medical insurance. Most dental and medical insurance plans have a deductible that must be met first before coverage will apply. If the cost of one dental implant is below the deductible, you may have to pay for it out of pocket. Many dental insurance plans also have an annual maximum. If this is the case, you may want to try and split the different procedures across two different years. For example, you could get the implant root placed in December and then wait until January to have the abutment and crown attached.