Delta Dental is one of the best choices if you need help paying for dental implants. Their plans cover a big part of the cost, have short wait times, and give high yearly limits. This is helpful because implants are expensive. One implant can cost between $5,000 and $8,000 without insurance.
At Crystal Clear Dental, we checked 13 insurance companies that help pay for implants. We looked at the price of each plan, how long you have to wait, and how much they cover. We picked the top ones that give the most value for your money.
If you are thinking about getting a dental implant, choosing the right insurance can save you thousands of dollars. We’re here to help you decide.
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Best Dental Insurance for Implants in 2025
When it comes to dental implants, having the right insurance plan can save you thousands. If you don’t have coverage, understanding the cost of dental implants without insurance can help you plan your treatment budget. At Crystal Clear Dental, we reviewed more than 20 insurance providers to find the best options for implant coverage in 2025. Here’s what we found.
1. Best Overall: Delta Dental (Strong Coverage, Low Complaints, and a Short Wait Time)
Delta Dental stands out as the best choice for dental implant insurance. Their Premium PPO Plan includes:
- Low deductible – just $50
- High annual maximum – up to $2,000
- Short wait time – only 6 months for implant coverage
- 50% coverage on implant costs (in and out of network)
- Very few complaints, showing great customer satisfaction
This makes it a smart choice if you want quick access to coverage without waiting over a year, like many other plans require.
Where Is Delta Dental Available?
The Premium PPO Plan is available in these states and Washington, D.C.: Alabama, California, Delaware, Florida, Georgia, Louisiana, Maryland, Mississippi, Montana, Nevada, New York, Pennsylvania, Texas, Utah, and West Virginia.
If you’re in another state, Delta Dental may offer a different plan with implant coverage.
Pros and Cons Of Delta Dental
Pros:
✔️ Short 6-month wait for implants
✔️ High yearly coverage limit
✔️ Covers 50% of the implant cost
✔️ Low rate of complaints
Cons:
❌ Higher premiums compared to other plans
Delta Dental’s Premium PPO Plan gives strong implant coverage with fewer delays and great support. Yes, it costs a bit more, but you get better value, easier access to care, and higher satisfaction from other members.
Are you looking for the best dental insurance for implants in 2025? Then you can blindly believe in Delta Dental. This is a top pick according to Crystal Clear Dental.
2. Runner-Up Pick: MetLife Dental Insurance
MetLife takes the second spot on our list for dental implant coverage in 2025. While it doesn’t offer quite the same value as Delta Dental, it still provides strong coverage at a lower monthly cost, making it a solid option for budget-conscious patients.
Why We Recommend MetLife
At Crystal Clear Dental, we found MetLife’s TakeAlong Dental Medium Plan to be one of the best low-cost options that include implant coverage. It offers:
- A low $50 deductible
- 50% coverage on implant costs after meeting the deductible
- Lower premiums than many competitors
- Nationwide availability across all 50 states and Washington, D.C.
However, this plan comes with a 12-month waiting period before implant benefits begin, which is longer than some other top plans.
Plan Details at a Glance
- Annual Max Benefit: $1,500
- Deductible: $50
- Waiting Period for Implants: 12 months
- Coverage: 50% of implant costs after deductible
Pros and Cons of MetLife
Pros:
✔️ Low deductible
✔️ Affordable monthly premium
✔️ Covers half of the implant expenses
Cons:
❌ 12-month wait for implants
❌ Lower satisfaction rating in recent surveys
Where MetLife Plans Are Available
MetLife’s TakeAlong Dental Medium Plan is available in all 50 states plus Washington, D.C. The company also offers HMO and PPO plans and a dental discount program called the MetLife Discount Dental Program. Some plans are also available through NCD, including three that include implant coverage.
MetLife is a great choice if you’re looking for reliable implant coverage without the high cost. While the one-year wait may not suit everyone, the lower premiums and nationwide access make it a good option for many.
Crystal Clear Dental recommends MetLife for those who want solid implant coverage with a lower monthly price, just be prepared to wait before coverage kicks in.
Many patients first notice the signs that you need dental implants before exploring insurance options.
Conclusion
Choosing the right dental insurance for implants can make a big difference in both cost and care. After reviewing several top providers, Crystal Clear Dental recommends Delta Dental as the best overall option for its strong coverage, short waiting period, and high customer satisfaction. MetLife is a great runner-up, offering more affordable premiums with good coverage.
No plan is perfect for everyone, so it’s important to weigh your needs, budget, and how soon you need treatment. Whether you’re planning an implant soon or comparing options for the future, the right insurance can help make your smile goals more affordable.
Need help deciding? We’re here to guide you.
