How much is the cost of a dental implant with insurance? ← If your insurance company covers the costs related to dental implants, you will not need to pay a separate fee for your dental implant.
But currently, most supplementary insurance companies do not cover the cost of implants for their policyholders, or they only cover a portion of it.
Companies that cover a portion of the implant cost include the following insurance companies:
- Dana Insurance
- Kosar Insurance
- Armed Forces Insurance
- Veterans Insurance
- Dey Insurance
- Parsian Insurance
- Razi Insurance
Dental Implant Cost with Social Security Insurance
The Social Security Organization, as the largest insurer in Iran, provides extensive medical services to its insured members. This is especially true since most public and private sector employees, retirees, and other segments of society are covered by this insurance.
However, despite covering many medical expenses, Social Security Insurance does not cover the cost of dental implants at any stage of the process.
The main reason for this is the definition of medical services covered by Social Security Insurance. This insurance primarily covers the costs of essential and basic treatments, and specialized treatments like dental implants are not considered among its primary obligations.
Additionally, the large number of people insured by Social Security and the organization’s budget constraints have led to a prioritization of medical services that addresses the basic needs of the insured. Consequently, treatments like dental implants, which are more about improving quality of life, are given a lower priority.
What is Supplementary Insurance for Implants?
Many people assume that by purchasing supplementary insurance, they can cover the heavy costs of dental treatments like implants. However, it’s best to know from the start that there is no specific supplementary insurance for implants.
This means that supplementary insurance will at most cover a portion of dental costs, but not all of them. So, if you are looking for full coverage for implant costs, it’s better to carefully review the terms and coverage of the insurance before purchasing it.
Reading the articles “Does an implant cause cancer?” and “Side Effects of Dental Implants” will also provide you with good information about this dental procedure.
Dental Implant Cost with Supplementary Insurance
Supplementary insurance is a type of insurance that is purchased voluntarily alongside a basic insurance plan (like Social Security). The main goal of supplementary insurance is to cover a portion of the medical costs that the basic insurance does not pay for. By paying an additional premium, these insurance plans offer broader coverage than basic insurance.
Some private companies and non-governmental institutions use group supplementary insurance services for their personnel. However, individuals can also purchase supplementary insurance for themselves if they wish. But are implants covered by supplementary insurance?
As we mentioned earlier, Social Security Insurance does not cover the cost of dental implants. In this situation, supplementary insurance can be a suitable option for covering a part of the costs of this treatment.
Many insurance companies offer various plans to cover dental costs, some of which include the dental implant procedure.
According to our research, the following insurance companies pay the highest amount for dental implant costs to their insured members. However, the payments will be determined based on the type and brand of the implant, as well as the dental implant placement method:
- Iran Insurance
- Salamat Insurance
- Dana Insurance
- Parsian Insurance
- Karafarin Insurance
- Dey Insurance
- Novin Insurance
- Razi Insurance
Below, we provide more details about the coverage limits of each of these insurance companies.
Implant Cost with Dana Insurance
Dana Insurance has so far focused more on providing group insurance coverage. This means that companies, organizations, and various institutions can use Dana Insurance for their employees. However, it is not possible to use this insurance on an individual basis.
The terms of these group insurance plans are also very diverse and are based on the agreement between the organization and Dana Insurance. For example, factors like the number of people covered, their average age, and the services they need most, all affect the level of coverage and the insurance costs.
Given the variety of dental services and the different terms of insurance contracts, we cannot specify a fixed amount for Dana Insurance’s coverage of dental implant costs. This is because, in many cases, Dana Insurance sets a general coverage limit for all dental services, including implants.
For more detailed information about the cost of this procedure, you can review and read the page “Table of Obligations for the Supplementary Treatment Insurance Contract with Dana Insurance Company“.
Dental Implant Cost with Razi Insurance
Razi Insurance (which started its operations in 2001) has grown significantly over the past years and now offers a variety of services, including dental coverage, to its applicants.
This insurance company falls under the supplementary insurance category and, depending on its terms and regulations, can reimburse you for a portion of your dental implant costs. However, this amount depends on Razi Insurance’s coverage limits for the policyholder.
Implant Cost with Parsian Insurance
Parsian Insurance, like many other supplementary insurance companies, offers coverage for services at a dental clinic, including implants. The amount paid by this insurance also depends on various factors, including the type of insurance plan and the company’s coverage limits for the insured person.
Of course, don’t forget that (with this insurance as well as other companies) the type and brand of the dental implant used also affect the final cost of the implant. Consequently, insurance companies may offer different coverage for different types of implants.
Reading the article “Best Implant Brand” will give you good information about the types of dental implant brands.
Implant Cost with Dey Supplementary Insurance
Dey Supplementary Insurance provides its policyholders with easier and more affordable access to dental services, including implants, by offering special facilities. This insurance has particularly special benefits for veterans and families of martyrs.
Honorable Dey policyholders can proceed with implant treatments for their missing teeth with peace of mind. This insurance reduces the financial burden of this treatment for applicants of this dental procedure by covering a relatively large portion of the implant cost.
To take advantage of these benefits, simply visit dental centers that are contracted with Dey Insurance, or if the dental center is not contracted, you can use implant services at a discount by presenting a referral letter.
Read More: What is a Dental Implant or Tooth Planting?
Implant Cost with Iran Supplementary Insurance
Iran Insurance, as one of the largest state-owned insurance companies in the country, offers a variety of coverage for dental expenses, including implants. So, if you are covered by Iran Insurance and want to get a dental implant, you should know that Iran Insurance can cover a portion of your costs.
However, if you want to know exactly how much these costs are, you should contact one of the branches or agencies of Iran Insurance Company or check their coverage limits on their website.
Dental Implant Cost with Armed Forces and Veterans Insurance
Armed Forces Insurance, as another basic insurance provider, offers a variety of medical services to its policyholders. Holders of this insurance can benefit from covered dental services by visiting contracted state and military medical centers. However, it should be noted that the coverage of this insurance is not the same for all dental services.
Unfortunately, under normal circumstances and for regular policyholders, the cost of dental implants is not covered by the Armed Forces Insurance. This is because services such as implants, dental laminates, and orthodontics, which are often cosmetic in nature, are outside the scope of the basic Armed Forces Insurance obligations.
However, there is an important exception in this regard. Esteemed veterans who are covered by the Armed Forces Insurance may be eligible for special coverage for dental implants.
In some cases, the cost of dental implants is reimbursed to veterans. Of course, the exact terms and conditions of this coverage depend on the type of veteran status and current regulations, and it is best to contact military medical centers or the relevant organization for more detailed information.
Implant Cost with Iran Assistance Insurance (SOS)
Iran Assistance Company is one of the active insurance companies in Iran that, in response to the growing need for dental services, has established a network of dozens of public and private dental centers, and offers a portion of the dental costs in these centers to its clients.
However, unfortunately, according to the latest reviews by our clinic’s editorial team, implants, orthodontics, dentures, and cosmetic services are outside the scope of this company’s commitments.
Nevertheless, we suggest that applicants seeking implant services from Iran Assistance Insurance contact SOS Insurance directly for more information and to receive the latest regulations of this organization.
You can visit the page we have prepared for you to read about the price of dental implants in Tehran.
Implant Cost with Kosar Supplementary Insurance
Kosar Insurance is another reputable insurance company in the country that provides a variety of services in the field of medical insurance to its policyholders. One of these services is covering a portion of dental costs, including dental implants.
However, the extent of Kosar Insurance’s coverage for dental implant costs depends on the type of insurance contract and the plan you have chosen. Some of Kosar Insurance’s plans cover a significant portion of implant costs, while others may offer less coverage.
Also, the terms and conditions for using this coverage, including the number of covered implants, the type of implant, and the contracted dental centers, are specified in your insurance contract.
Does Kosar Insurance cover implant costs?
According to our direct investigation of the official Kosar Insurance website, we found that Kosar Insurance does pay for the cost of dental implants for its patients.
For more information on this matter, you can visit the implant with Kosar Insurance page on the Kosar Insurance website and review the company’s table of obligations.
Dental Implant Cost with Mellat Insurance
Mellat Insurance, which belongs to the employees and families of Bank Mellat staff, pays a portion of the dental service costs for each individual according to its coverage limits. However, the budget allocated by this organization for dental implant services is usually less than for other dental treatments (such as root canal therapy).
How Much of the Dental Implant Cost Does Supplementary Insurance Pay?
The type of insurance plan, coverage limit, contract terms, and the network of contracted dental providers are among the factors that influence the answer to this question. For this reason, we cannot say specifically and precisely that a particular supplementary insurance will pay you X amount for the cost of dental implants.
However, we can advise you that if you want to find an insurance that covers the maximum amount of your dental implant costs, it is best to pay attention to factors such as the dental coverage limit and the contract terms of that insurance company.
The dental coverage limit varies with each insurance plan. Some plans have a higher coverage limit for dental treatments, including implants. On the other hand, some insurance companies have special conditions for paying for implant costs, such as the duration of membership in the insurance or undergoing periodic check-ups.
How to Pay for Dental Implants with Supplementary Insurance
Usually, payment for dental services (including dental implants) is done in 2 ways:
The first case is when your desired dental clinic has a contract with your insurance company. In this situation, you only pay the portion of the cost that is your responsibility to the dental clinic. That is, the amount deducted from what the insurance is supposed to pay to the dental clinic.
However, the second case is slightly different from the previous method.
In the second method, you must pay the full cost of your dental implant or implants to the dental clinic. Then, you must collect the documents and records related to your treatment from the dental clinic and submit them to the insurance company along with the receipt for the costs paid. This can be done either by uploading them to the website or by visiting one of the insurance branches in person.
The process of verifying your documents, reviewing your case, and obtaining insurance approval may take up to about a month. However, after these steps are completed, the insurance company will deposit its share of the cost of your dental implant or implants for you.
Limitations of Using Insurance for Dental Implants
Although many supplementary insurance plans cover a portion of the costs of dental implants; however, this coverage always comes with limitations that, if you are aware of, will help you make a better decision before receiving services from them.
These limitations usually vary based on the type of insurance, the chosen plan, and the contract terms.
Insurance Coverage Limits
One of the most important limitations of using insurance for dental implants is the insurance coverage limit. Each insurance plan has a specific limit for paying dental costs. This limit determines the maximum amount the insurance will cover for the implant cost. If the final cost of the implant exceeds the insurance coverage limit, the patient must pay the difference.
Limited Coverage for Certain Items
Some insurance plans only cover a portion of the costs associated with implants. For example, the cost of surgery, the implant crown, or other ancillary services for the implant may not be covered by the insurance. Also, some insurance plans cover specific implants and provide less coverage for other types of implants.
Special Conditions for Using Coverage
To use the coverage of some insurance plans for dental implants, you must meet certain conditions. For example, you may need to go only to dental centers contracted with the insurance for the implant procedure, or you may need to obtain the necessary pre-approval from the insurance before undergoing the treatment.
Changes in the Insurance Contract
The terms and coverage of insurance may change over time. Therefore, we recommend that you review your insurance contract again before undergoing any dental treatment to stay informed about the latest changes in your insurance.
Individual vs. Group Supplementary Insurance for Implants
If you are looking to cover the costs of dental implants through insurance, you can purchase a type of group supplementary insurance from some insurance companies. Of course, you might have some questions here. Questions like how is this possible? Or what is group insurance anyway?!
Group insurance is a type of insurance offered to a group of people, (usually employees of a company or organization). In this type of insurance, instead of each person buying an individual policy, it is provided collectively at more favorable rates.
Now, what does this have to do with implant insurance?
The terms of individual supplementary insurance are such that they do not cover costs related to dental implant surgery. Even if a tooth is damaged due to an accident like a car crash, supplementary insurance will not compensate for the implant costs.
So, if you intend to cover the costs of this procedure, you should opt for purchasing group supplementary implant insurance.
For this type of insurance, the minimum number of people must be 50, and the request must be made by a company or organization. For example, the company manager must submit the request for group supplementary implant insurance to the insurer.
Which Group Supplementary Implant Insurance Should We Purchase?
Choosing the best group supplementary insurance to cover implant costs is an important decision that requires a careful review of several factors. Here are some of the most important ones:
- The maximum amount the insurance pays per implant.
- Whether costs for surgery, crowns, and other implant-related services are also covered.
- The amount the insured person must pay out-of-pocket before the insurance pays (deductible).
- Check whether different types of implants (such as short, long, or special types) are covered.
- Check if your preferred dentist or clinic is in-network with the insurance.
- Ensure that there are in-network centers near your home or workplace.
- Compare the annual or monthly premium with the coverage offered.
- Consider additional costs such as co-pays and administrative fees.
- Review the duration of the insurance contract and pay attention to its renewal conditions.
- You should also read and review the conditions for cancellation of the contract by the insurer or the insured.
- Finally, you should pay attention to the history and reputation of the insurance company in paying claims.
Using Dr. Bonyanian’s Dental Implant Installment Plan Services
If you are looking for a specific dental treatment, such as a dental implant, but are not covered by a suitable insurance or your insurance coverage limit is not sufficient to cover the full costs, do not worry. Reputable dental clinics like Dr. Bonyanian Dental Clinic have made access to specialized dental treatments easier for everyone by offering installment services.
By using Dr. Bonyanian’s installment services, you can pay for your treatment costs in several installments and avoid the heavy financial pressure of a one-time payment. This service is very useful for long-term and costly treatments like implants. Furthermore, the process of registering and using the installment services of this clinic is quite simple and without complications.
How to Use Dr. Bonyanian’s Dental Installment Services?
To use Dr. Bonyanian’s dental installment services, you must first contact the clinic at 00982188539720 or visit us in person at our address: Unit 7, No. 22, 6th Alley, Bokharest St., Shahid Beheshti St., Tehran. You can even enter your information in the fields below, and our experts will contact you as soon as possible.
After consulting with a dental implant specialist and determining the treatment plan, you can get the necessary information about the installment conditions and required documents. The table below will also show you the conditions for paying for dental implants in installments:
Why Choose Dr. Bonyanian’s Clinic Installment Services?
Dr. Bonyanian, with years of experience in the field of dentistry, is one of the reputable clinics in providing high-quality dental services. This clinic, using completely up-to-date equipment and an experienced staff, offers a wide range of dental services including implants, crowns, laminates, and more to you, our dear clients.
For your greater convenience, we accept installment payments for almost all our services so that you do not face financial hardship for the health of your mouth and teeth.
In Conclusion
Insurance can be very effective in reducing the costs of dental implants, but to make the best use of this coverage, it is necessary to have sufficient information about your insurance and be familiar with its conditions and limitations. With careful planning and choosing the best option, you can access dental implant treatment and enjoy a beautiful and healthy smile.
Dr. Nazi Bonyanian
Dental Surgeon (DDS) — Medical Council Number: 138662
Graduate of Isfahan University of Medical Sciences with over 15 years of experience in implants, laminates, and oral and dental surgery.
Address: No. 22, Unit 7, West Alley 6, Bokharest Street, Argentina Sq., Tehran, Iran
Phone: +98-21-88539720 | WhatsApp: +98-912-514-2202
Email: info@drbonyanian.com
Working Hours: Sat–Wed 09:00–20:00 | Thu 09:00–14:00 | Friday Closed
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