Aetna Dental Insurance Review and Complete Coverage Detail

Updated: November 10, 2022
Aetna dental insurance review

Even though you are probably familiar with the brand Aetna from dental insurance, Aetna Dental Access is not dental insurance. The same renowned company manages this program, but it is a dental savings plan instead of typical insurance coverage. As a result, Aetna Dental Access differs from other insurance policies in handling your oral health care. You can use your Aetna discount plan card at any participating dentist’s office (there are over 226,000 of them in the Aetna Dental Access Network) to receive immediate discounts on your treatment without having to commit to a membership program with a specific dentist. Let’s go through Aetna dental insurance review in dental.

With this initiative:

  • Save 10–60% on the majority of treatments.
  • Everyone is insured
  • There are no restrictions or waiting periods,
  • Search tools make it easy to find dentists and compare their fees.

Cons (What I Dislike)

  • Plans for dental savings are not appropriate for everyone, especially if your current dentist accepts the Aetna Dental Access plan but you adore them.
  • Before you may utilize your plan, it takes 24 and 72 hours before joining, though checkups are still subject to payment (albeit at a reduced rate).


How Good Is the Aetna Dental Access Plan?

How effective is the Aetna Dental Access savings plan? Absolutely too much. Especially if you are aware that a dentist in your area accepts it. Since Aetna has such a solid reputation, you can be sure that you’ll receive excellent treatment for your routine dental requirements. A dental savings plan is the next best—if not better—alternative since many patients nowadays (and even dental practices) are moving away from traditional dental insurance.

A dental savings plan provides an opportunity to think about add-on benefits for prescription medications, eyeglasses, eye tests, and hearing treatments. The discount card is available to everyone, so it doesn’t matter how poorly your grin looks. Pre-existing conditions are not subject to waiting periods or other restrictions; therefore, choosing this choice will practically result in immediate cost savings.

Aetna dental savings programs are accepted at about 260,000 dental offices. And most people often save between 15% and 50% on each and every dental appointment. You can use your card for checkups multiple times a year or just twice a year.

You have access to convenient customer service and online tools to compare prices in your area because your plan is offered through Aetna. In this manner, if you already have a treatment plan from one dentist, you may punch in the procedures and compare prices from other dentists without ever having to set foot in a different dental office. Included are all 200k+ dentists in the country.


What types of dental insurance does Aetna provide?

Aetna provides both people and families with a sizable selection of coverage alternatives. You are eligible for discounted prices on the majority of Aetna’s plans through your current job. If given via your business, the Aetna DMO Plan, Aetna Preferred PPO Dental Plan, and Aetna Dental Indemnity Plan are easier to obtain.

The Aetna Direct Core PPO Dental Plan and the Aetna Vital Savings Plan should be taken into account by families, independent contractors, and retirees who don’t have access to dental insurance through their employers.

A Preferred Provider Organization (PPO), also known as a Preferred Provider Network (PPN), is an insurance network covered by a PPO plan that enables insured individuals to take advantage of special prices from highly skilled dentists and medical specialists. You are not required to use preferred Aetna dentist providers if you have a PPO plan.

Provide your name, zip code, birth date, and online enrollment in your current dental insurance plan. Aetna Dental Direct will automatically give you the best dental insurance for your requirements. Then, depending on whatever solutions will work best for you and your family, you can choose from a selection of choices. Your dental bills could be greater or lower depending on where you reside.


Plan DMO for Aetna

A DMO, sometimes referred to as a dental maintenance organization, works with the dentists in your area’s network to provide copayments and coinsurance to help cover the cost of dental services.

One of the most adaptable insurance alternatives available from any carrier is the Aetna DMO plan. Aetna will pay for your dental operations without adding any additional difficulty if you set copayment and coinsurance rates when you join up.

The DMO plan can be utilized as either a primary or secondary provider. The advantages of your primary plan are transferred to the DMO plan when you use it as a secondary provider.

In other words, if your family of three is covered for three routine tests under your primary plan, another three checkups would not be covered by the DMO plan, and you would have to pay out-of-pocket for any further checkups. However, where there are no overlaps with your primary plan, the DMO plan will protect you.

Dental offices that participate in the Aetna DMO plan do not require an insurance card in order to receive payments from Aetna; they need your name. Aetna-insured dentists will often submit claims on your behalf as well.

Remember that the Aetna DMO plan only provides primary care coverage for one dentist at a time. If a single DMO plan covers you, numerous neighborhood dentists won’t accept your insurance. A monthly dentist switch is permitted. The rollover period, however, starts over every month on the 16th. As a result, if you switch dentists for your primary care on January 16, you won’t be covered by your new dentist’s insurance until March 1.


Dental Direct Preferred PPO Plan by Aetna

One of the more expensive plans accessible to individuals and families is the Aetna Dental Direct Preferred PPO plan. It also provides some of the best services and the most affordable coinsurance rates.

The annual deductibles for this plan are $50 for individuals and $150 for families. It demands a 20% copay rate for basic services and a 50% coinsurance rate for significant procedures. Preventive care is not covered by coinsurance. Additionally, the Preferred PPO plan offers an annual maximum benefit for in-network services of $1,250 and an annual maximum benefit for out-of-network services of $1,000.

Dental providers who accept Aetna as a preferred insurance choice are said to be in-network, whilst those who do not are said to be out-of-network.

Aetna waives the waiting period for dental insurance for both the Preferred PPO plan and the Direct Core PPO plan, and enrollees are instantly covered. You must wait 90 days to receive benefits from PPO plans if you do not currently have dental insurance. Both plans are very well-liked by insurance companies, and more than 120,000 dental professionals accept all Aetna PPO plans nationwide.


Dental Plan with Aetna Dental Direct Core PPO

The Direct Core PPO plan offers a $50 individual and $150 family deductible, just like the Preferred PPO plan. Additionally, preventative care is not covered under coinsurance, and the main treatment copay rate is set at 50%.

The Direct Core PPO plan offers a 50% basic coinsurance rate and a $1,000 maximum yearly benefit, in contrast to the Preferred PPO plan.

The goal of preventive dental treatment is to preserve the health of your teeth and avert harm and potential surgery. Regular exams, x-rays, and teeth cleanings are common preventative procedures that Aetna will cover.

Compared to Aetna Dental Direct Preferred PPO, Aetna Direct Core PPO is less expensive. However, that entails a reduced yearly maximum benefit as well as a lower basic coinsurance rate. Both plans also offer no-deductible, full coverage for preventive dental care.


Dental Indemnity Plan by Aetna

With the Aetna Dental Indemnity plan, you can receive all of Aetna’s benefits and coverage without having to select a primary care dentist or get a recommendation.

Users of this plan are required to pay for dental expenses upfront and submit a receipt to Aetna for reimbursement.

One of the key benefits of Aetna Dental Indemnity is the frequent addition of vision and pharmaceutical coverage to the company’s plans. With its affiliated dental practices, Aetna also provides a variety of medical and pharmaceutical insurance policies that cover some dental procedures.

To get out more about costs and added advantages, interested parties may speak with an Aetna dental agent.


Dental Freedom-of-Choice Plan from Aetna

All the benefits of a PPO plan and a DMO plan are combined in the Aetna Dental Freedom-of-Choice plan. You can switch between networks each month to cover PPO or DMO benefits.

The Aetna DMO plan is the first option available, as previously mentioned. The DMO plan combines the PCD’s convenience of use with the flexibility of adding costs to additional dental plans to give you the best of both worlds.

If you’d like, you can change to the Dental Indemnity Plan, or one of Aetna’s PPO plans the following month. The advantages of switching outweigh the costs by a wide margin.

People who want to be insured while looking for a primary care dentist should definitely consider this plan. Of course, PPO plans give the greatest in-network and out-of-network insurance, whereas DMO plans need you to select a PCD. The best of both worlds can be had by switching each month, and you will have access to the most affordable prices for key procedures.


Vital Savings Plan by Aetna

One of the most adaptable choices on this list, the Aetna Dental Savings Plan, provides direct discounts on certain dental services. Enrolling in this plan will help you avoid facing any astronomical upfront expenses that may arise from an unanticipated trip to the dentist.

Aetna Vital Savings cards are given to people who are interested in this plan. Instead of functioning as typical dental insurance, this plan offers members savings on dental care and prescription medications in exchange for a fee. In over 262,000 sites, members receive discounts on dental procedures ranging from 15% to 50%.

Families can pay $10.99 per month or $105 per year, while individuals interested in the Dental-only card can spend $7.99 per month or $75 per year.

Individuals pay $9.99 per month or $95 per year for the Dental Plus Rx card, while families pay $12.99 per month or $125 per year.

There is a $20 start-up cost for both the Dental-only Vital card and the Dental Plus Rx card.

In Montana, Vermont (for dental care only), and Tennessee (for prescription drugs and pharmaceuticals), Aetna Vital Savings is not accessible. You would need supplementary health insurance if you were using the essential savings plan to assist lower the cost of your health insurance because it does not fulfill Massachusetts’ minimum creditable coverage criteria. Massachusetts does not mandate dental insurance.


Should you select a dental insurance plan from Aetna?

Aetna has excellent dental insurance choices that should suit the majority of needs for families or businesses.

The majority of consumers think getting dental insurance is difficult and expensive. Aetna offers incredibly flexible insurance and discounts through its affiliated locations for people who are skeptics.

When choosing an insurance plan, you should first talk to your family about your possibilities. Being uninsured poses a danger because dental issues frequently get worse over time. Children and teenagers frequently experience some of the most difficult dental issues, which free preventative treatment provided by Aetna may easily resolve.

If you have a lot of dental issues right now and need to visit several dentists and orthodontists, you might think about getting an Aetna PPO plan, especially if you’ve put off going because you were worried about the cost.

Overall, there is a good reason why Aetna is the third-largest supplier of dental insurance in the country.



Can you explain what the initials “Aetna” mean?

The Aetna (Fire) Insurance Company of Hartford, Connecticut, is the ancestor of Aetna. Mount Etna (one of the most active volcanoes in Europe) inspired the company’s name.


Exactly what is the name of Aetna’s Medicare coverage?

Benefits Explanation or EOB: This document is not a legal document. Your EOB is the name of this document. The amount you were billed, what you owe, and your member rate are all displayed. The amount you’ve saved and the benefits provided by your plan are also displayed.


Is it wise to sign up for Aetna’s health insurance?

AM Best gives Aetna an A+ (excellent) rating, and the company also gets good marks from several other agencies that evaluate financial institutions. Over 16,000 insurance businesses worldwide have been given ratings and/or assessments by AM Best, a credit rating agency.


Who owns Medicare Aetna?

Aetna, a subsidiary of CVS Health, is trusted by almost 39 million customers for guidance on managing their health and medical expenses.


What is Aetna’s life insurance capacity?

Nearly 40 million people are enrolled in health plans through Aetna. Healthcare coverage is available in all 50 states through the company’s network of over 543,000 medical professionals and 5,200 healthcare facilities.


Are residents of all 50 states able to use Aetna’s services?

Aetna and Blue Cross serve each of the 50 states and the District of Columbia. However, plan details such as maximum benefits and deductibles will change based on your geographic region.


Visit our website to learn more.

Get A Free Affordable Health Insurance Quote