Get the Best Value: Implant Retained Dentures with Aetna

Understand Aetna coverage

When you’re considering implant retained dentures with Aetna, the first step is to review your plan’s benefits, limitations and definitions of medical necessity. Implant retained dentures—also known as snap-on overdentures—use two to four implants per arch to stabilize a removable denture. With Aetna, coverage typically falls under major restorative services and prosthodontics, meaning you may receive 50 percent reimbursement after meeting your annual deductible. Coverage levels, waiting periods and lifetime maximums can vary across Aetna plans, so it’s important to verify your specific details.

Coverage overview for dentures

• Major services vs prosthodontics
  Aetna often classifies implant surgery under major services and the denture attachment under prosthodontics
• Percentage reimbursement
  Commonly 50 percent of the allowed amount once your deductible is met
• Annual maximums
  Most plans include a combined maximum for major and prosthodontic benefits, often ranging from \$1,000 to \$2,000 per year
• Waiting periods
  Many Aetna plans impose a six- or twelve-month waiting period for major and prosthodontic procedures

Learn more about Aetna’s implant benefits in our detailed guide on aetna coverage for dental implants.

Medical necessity criteria

Aetna generally covers implant retained dentures when they are deemed medically necessary. Common criteria include:

• Complete or partial edentulism in one or both arches
• Inability to functionally chew or speak with conventional dentures
• Documented failures or complications of prior removable dentures
• Evidence of sufficient bone structure or successful bone grafting
• Absence of contraindications such as uncontrolled diabetes or severe periodontal disease

Providing thorough documentation—radiographs, clinical evaluations and treatment notes—can strengthen your preauthorization request.

In-network provider options

Opting for an in-network dentist or oral surgeon can reduce your out-of-pocket costs. Aetna negotiates discounted fees with participating providers, lowering your share of the bill. When you choose an out-of-network clinician, you may be responsible for fees above Aetna’s usual, customary and reasonable (UCR) allowance. To find a participating specialist, search for an aetna dentist for implant crown restoration in your area—you can also confirm if they handle overdentures.

Compare denture options

Choosing the right prosthesis depends on your oral anatomy, budget and lifestyle. Below we compare three common approaches: implant-retained dentures, implant-supported dentures and traditional dentures.

Implant retained dentures

Implant retained dentures clip onto two to four implants via ball- or locator-type attachments. According to Radiance Dental, these overdentures “clip onto just a few dental implants, ensuring they do not slip or move around” and require no adhesives for day-long stability (Radiance Dental). Key benefits include:

• Enhanced stability compared to traditional dentures
• Improved chewing efficiency for most foods
• Easy removal for cleaning and maintenance
• Fewer implants lower surgical time and cost

Implant supported dentures

Also called full-arch implant bridges, these restorations rely on six to eight or more implants for a fixed prosthesis. Patients can choose a hybrid screw-retained denture or a fixed zirconia bridge. A EuroDenture report notes costs between \$4,000 and \$15,000 per denture, with fully implant-supported arches reaching up to \$30,000 when using a zirconia bridge (EuroDenture). Benefits include:

• Permanent fixation—no removal
• Natural biting force and feel
• Minimal movement, ideal for bone preservation
• Long-term durability

Traditional dentures

These removable prosthetics rest on the gums and rely on adhesives or clasps. They come in two types:

• Full dentures: Replace all teeth, rest on acrylic bases
• Partial dentures: Attach to remaining teeth via metal clasps or precision attachments

According to Spencer DDS, traditional dentures remain “a great choice for individuals who are unable or uninterested in undergoing dental implant surgery” (Spencer DDS). However, they can:

• Rub or rock against gum tissue
• Limit chewing to softer foods
• Require frequent relines as bone resorbs

Denture comparison table

Estimate out-of-pocket

Understanding your financial responsibility helps you plan effectively. Here’s what you should consider.

Average procedure costs

• Implant retained overdenture (mini implants)
  \$2,000–\$5,000 per arch
• Implant retained overdenture (standard implants, two implants)
  \$2,500–\$5,000 per arch
• All-on-4 implant retained solution
  \$8,000–\$15,000 per arch (additional bone grafts may increase cost)
• Implant supported full-arch bridge
  \$4,000–\$15,000 per arch (up to \$30,000 for zirconia bridge)

Cost factors to consider

• Number and type of implants
• Need for bone grafting or sinus lifts
• Choice of denture material (acrylic vs zirconia)
• Sedation or anesthesia fees
• Imaging (CBCT scans, panoramic X-rays)
• Geographic location and provider fees

Insurance allowances and limits

Aetna plans often include:

• Annual maximums for major services and prosthodontics
• Deductibles ranging from \$50 to \$200 per person
• Coinsurance typically at 50 percent for covered procedures
• Lifetime or per-tooth maximums for implant benefits

By matching these limits against estimated costs, you can calculate your approximate out-of-pocket expense.

Optimize your benefits

To make the most of your Aetna coverage, follow these strategies.

Preauthorization and claims

1. Request a preauthorization before scheduling surgery
2. Submit a detailed treatment plan, radiographs and clinical notes
3. Review Aetna’s decision letter for any exclusions or special requirements
4. File claims promptly to avoid denials for missed deadlines

Network provider selection

Choosing an in-network dentist or oral surgeon minimizes your share of costs. To locate a participating clinician experienced in overdentures, search for an aetna dentist for implant crown restoration or contact member services for a provider directory.

Combine other insurance

If you have a secondary dental plan or a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can:

• Submit to the secondary insurer for additional reimbursement
• Use HSA/FSA funds to cover deductibles, coinsurance and noncovered expenses

Always coordinate benefits to avoid duplicate claims and ensure you meet all plan requirements.

Plan your treatment

A smooth journey to implant retained dentures involves several stages.

Consultation and imaging

During your initial visit, your provider will:

• Review medical history and current medications
• Perform an oral exam and periodontal assessment
• Take panoramic X-rays or a cone beam CT scan
• Discuss treatment options, timelines and costs

Surgical implant placement

• Performed under local anesthesia or sedation
• Implants are inserted into the jawbone
• Temporary denture may be provided for function and esthetics

Healing and osseointegration

Over 3 to 6 months, bone fuses to the implant surface. You’ll:

• Follow a soft-food diet initially
• Attend periodic check-ups to monitor healing
• Maintain strict oral hygiene around implant sites

Final denture fitting

Once osseointegration is complete:

• Attach locator or ball-type abutments to implants
• Place and adjust the snap-on overdenture for optimal fit
• Review daily cleaning protocols and care instructions

Maintain your dentures

Protect your investment with proper upkeep.

Daily hygiene routine

• Remove overdenture nightly and brush under attachments
• Clean denture with nonabrasive brush and mild cleanser
• Rinse implant abutments with a soft toothbrush

Preventive care visits

• Schedule professional cleanings and exams twice a year
• Have your dentist check attachment wear and retention
• Replace locator inserts or O-rings as needed

Adjustment and repairs

• Look for signs of rocking, soreness or decreased retention
• Request relines or rebases when gum contours change
• Address any cracked or chipped prosthetic teeth promptly

Find additional resources

Alternative financing options

If you need more flexible payment plans, ask your provider about:

• In-office financing programs
• Third-party medical credit cards (eg, CareCredit)
• Dental nonprofit grants or assistance programs

Aetna member support

For questions about your benefits or claims:

• Call the member services number on your ID card
• Use the Aetna Mobile app or member portal
• Chat online to clarify coverage details in real time

Related insurance articles

• Insurance that covers dental implants and crowns
• Same-day crown with Delta Dental
• Implant-supported dentures covered by Cigna

By understanding how Aetna handles implant retained dentures, you can confidently plan your treatment, manage costs and enjoy the stability and function of a secure, long-term prosthesis.