Aetna Dental Implant Coverage
Aetna separates dental and medical benefits. Most implant cases fall under dental, where annual maximums apply.
Aetna Plan Types
- PPO: Broader provider choice — check implant on summary of benefits
- DMO/HMO: Lower premiums — implant may require pre-approval through plan dentist
- Medical crossover: Rare — requires documentation of medical necessity
Frequently Asked Questions
Does Aetna PPO cover dental implants?
Select Aetna PPO plans include implant benefits at 50% coinsurance; DMO plans may require specialist referral and cap services.
When does Aetna medical pay for implants?
Jaw reconstruction, tumor resection, or trauma — with prior authorization. Cosmetic replacement is excluded.