Does Aetna Dental Cover Dental Implant?
Yes — Aetna Dental covers 50% of dental implant as a major procedure, subject to your annual maximum and deductible.
Estimated cost with Aetna Dental
Total cost (national avg)
$2,400
Aetna Dental pays
$1,150
You pay
$1,250
Coverage tier: major (50%)
Deductible: $50/year
Annual max: $1,500
See Dental Implant cost by city →
Costs vary 30%+ between metros. See your specific area.
Aetna Dental full coverage guide →
What Aetna Dental covers across all procedures.
FAQ: Aetna Dental and Dental Implant
Does Aetna Dental cover dental implant?▾
Yes. Aetna Dental covers 50% of dental implant on standard plans, subject to your annual deductible ($50) and annual maximum ($1,500). At the national median price of $2,400, the plan pays approximately $1,150 and you pay $1,250 out of pocket.
What's my out-of-pocket cost for a dental implant with Aetna Dental?▾
At the national median price of $2,400, Aetna Dental pays about $1,150 and you pay about $1,250. Actual out-of-pocket depends on: (1) whether the dentist is in Aetna Dental's network, (2) how much of your annual max you've already used, (3) whether the deductible has been met this year, and (4) local pricing (see cost-by-city pages).
Is there a waiting period?▾
None for preventive; 6 months for basic; 12 months for major. If you enrolled recently, verify with Aetna Dental customer service before scheduling — some plans have a 6–12 month waiting period on major procedures.
Can I use an HSA or FSA with Aetna Dental?▾
Yes. Whatever Aetna Dental doesn't cover, you can pay from an HSA (Health Savings Account) or FSA (Flexible Spending Account) using pre-tax dollars. Note the FSA "use it or lose it" rule.
What if my dentist is out of network?▾
Out-of-network dentists cost more out of pocket because Aetna Dental pays based on the plan's "usual and customary" rate, not the dentist's actual charge. If your dentist charges $2,400 and the plan's UCR is lower, you pay the difference. Use Aetna Dental's find-a-dentist tool to check network status before scheduling.
Confirm coverage with Aetna Dental
Estimates use $Aetna Dental's standard coverage tiers and typical plan structure. Your exact plan may have different tiers, deductibles, or waiting periods — always call the number on your insurance card for a pre-authorization on major procedures.