Does Delta Dental Cover Full Mouth Implants in Fremont, CA

If you’ve been told you need full-mouth dental implants and you’re insured with Delta Dental, you’re probably asking, “Does Delta Dental cover full-mouth implants in Fremont, CA?” Implant-based restorations can be life-changing, but they can also be costly. Knowing what your insurance plan may or may not cover is key. At Fremont Star Dental, we accept Delta Dental (all plans) and work with patients to understand their benefits.
In this article, we’ll break down:

• What full-mouth dental implants involve
  
• How Delta Dental plans typically treat implants
  
• What you need to check in your specific plan
  
• How Fremont Star Dental helps you navigate insurance + financing

What Are Full-Mouth Dental Implants?

When we refer to “full-mouth implants,” we’re talking about replacing most or all of the teeth in an arch (upper, lower, or both) using dental implants. According to Delta Dental’s own material, full-mouth dental implants are listed as one of the options when many teeth are missing.
These treatments typically require:

• Placement of multiple implants into the jawbone
  
• Abutments and prosthetic teeth (crowns, bridges) that attach to those implants
  
• Possibly bone grafts or sinus lifts if there is insufficient bone

 The cost is substantially higher than a single-tooth implant or a removable denture, so insurance coverage matters significantly. To explore implant options and treatment stages, check out our full-mouth dental implants service for complete details.

Does Delta Dental Cover Implants?

The short answer: Yes — but it depends heavily on your specific Delta Dental plan.

While Delta Dental offers plans that may cover implants, many plans limit or exclude full-mouth implant treatments. You cannot assume full coverage without checking your exact policy.

For detailed insights on coverage, refer to Delta Dental Coverage Information, which outlines what major dental procedures like implants may include under your policy.

What Does That Mean for Full-Mouth Implants?

Full-mouth implant treatments are a “major” and complex procedure. Based on the documentation, even if implants are covered, the following limitations often apply:

• A waiting period before “major” services apply
  
• Annual maximums (the total the plan will pay each year)
  
• Lifetime frequency limits (e.g., “once every seven years”)
  
• Specific procedure codes may be excluded or require additional justification
  
• Coverage might only apply to the implant prosthetic part, not the full surgical cost
  
  

Therefore, if you’re looking at a full-mouth implant case at Fremont Star Dental, be prepared for the possibility that:

• Your Delta Dental plan may cover part of the cost, but not all
  
• You may have a significant out-of-pocket expense
  
• You’ll need a treatment plan and a pre-treatment estimate submitted to your insurer

Patients with Delta Dental Premier or Delta PPO plans often have different coverage levels, so reviewing your individual plan is essential before starting treatment.

How Fremont Star Dental Can Help

At Fremont Star Dental, we accept Delta Dental (all plans), including PPO and Premier. Here’s how we support patients with full-mouth implant cases:

1. Benefit verification – Before we begin implant planning, we check your Delta Dental benefits, determine coverage for surgical placement, prosthetic parts, etc.
   
   
2. Pre-treatment estimate – We prepare a detailed estimate that your insurer can review to see what portion might be covered.
   
   
3. Payment and financing options – Given the high cost of full-mouth implants, we discuss payment plans and financing to help make treatment feasible.
   
   
4. Transparent cost breakdown – We provide you with the implant stages (surgery, healing, restoration) and what is likely to be insurance versus out-of-pocket.
   
   
5. Continuous liaison – We coordinate with your insurance carrier to submit claims, follow up on authorizations, and keep you informed.

For a better understanding of treatment longevity and maintenance, read our related article on how long dental implants last.

What You Should Ask Your Delta Dental Plan

Before committing to a full-mouth implant plan in Fremont, here are some essential questions to ask Delta Dental (or your plan administrator):

• Are dental implants covered under my specific plan?
  
  
• Is full-mouth implant treatment (all teeth in an arch) included, or only single implants?
  
  
• Is there a waiting period for “major services” or implants?
  
  
• What is my annual maximum benefit?
  
  
• Are implants considered a “prosthodontic appliance” and thus subject to the 7-year replacement rule?
  
  
• Will surgery, bone grafting, or sinus lift be covered, or only the implant/restoration?
  
  
• Do I have to use an in-network provider to get full benefit?
  
  
• What portion (%) will Delta Dental cover versus my responsibility?
  
  
• Are there exclusions specific to full-mouth cases or certain procedure codes?
  

Example Scenario: What It Might Look Like in Fremont

Imagine you require full-mouth implant treatment (upper and lower arches). Here’s how your insurance and out-of-pocket might play out:

Delta Dental plan: Covers implants & prosthetics at 50% after a 12-month waiting period, with an annual max of $2,000

• Full-mouth implant cost: $45,000
  
• Insurer pays (50% of allowed amount, up to the annual max) → Let’s say allowed amount = $35,000 → 50% = $17,500 but capped at $2,000 annual max
  
• Out-of-pocket for you = $45,000 – $2,000 = $43,000 (plus any additional overage or stages not covered)
  
• Payment plan may be set up for the remainder
  

NOTE: This is simplified, and actual numbers will differ. But this illustrates that even with coverage, substantial investment remains.

Final Words

So, does Delta Dental cover full-mouth implants in Fremont? Yes, but not always fully. Coverage depends entirely on the specific plan, its policy limits, waiting periods, and the definitions of “implant” and “prosthodontic services” within that contract.
At Fremont Star Dental, we’re equipped to verify your Delta Dental benefits, craft a treatment plan for full-mouth implants, provide transparency about your costs, and help you move forward confidently.

If you’re considering full-mouth implants and are insured with Delta Dental, contact us today to schedule a consultation. We’ll review your benefits and help you understand your best path to a restored smile.