Benefits of Aetna Dental Insurance Plans

Dental insurance is designed to help pay for a portion of routine dental care. This includes checkups, cleanings, x-rays, and fluoride treatments. It also covers some basic restorative procedures like fillings and crowns. Most Aetna dental plans have deductibles and annual maximums. Aetna provides a variety of dental insurance plans to meet the needs of almost any budget. One of the benefits of Aetna Dental Insurance Plans is PPO plans that include Preventative, Core, and Preferred options with varying coverage levels at key price points. The company also offers a selection of discount plans that are simple and easy to understand. These cost slightly more than competing plans, but they offer the advantage of covering preventive services without a deductible.

Most dental plans require a deductible or coinsurance before the plan will begin to pay for dental services. These may be a flat dollar amount or a percentage of the dentist’s charge. After the deductible has been met, the plan will typically pay for most dental services up to an annual maximum limit.

Most dental plans cover routine teeth cleanings, exams, and x-rays. Most will also cover the cost of some restorative treatments, such as fillings and dentures. Dental coverage is often included in Medicare Advantage plans as well as in Original Medicare. In addition to providing comprehensive dental coverage, Aetna offers a range of other health benefits, including prescription drug coverage, vision and hearing care.

Aetna Dental Coverage Eligibility

Eligibility for Aetna Dental Insurance can vary depending on the type of plan you are interested in and how you intend to obtain coverage. Here are some common scenarios for eligibility:

• Employer-Sponsored Coverage:
  • Many people access Aetna Dental Insurance through their employers. In this case, eligibility is typically determined by your employer’s benefits policies.
  • Eligibility criteria can vary by employer but commonly include factors such as full-time employment status, length of employment (e.g., waiting periods for new hires), and job classification (e.g., some plans may only be offered to certain job categories).
  • Some employers offer dental insurance as part of a comprehensive benefits package, while others may allow employees to opt in or out of dental coverage during open enrollment periods.
• Individual or Family Coverage:
  • Aetna also offers individual and family dental insurance plans that you can purchase directly from them. Eligibility for these plans is generally open to individuals and families who meet certain criteria.
  • You typically do not need to have employer-sponsored coverage to be eligible for Aetna’s individual dental insurance plans. However, eligibility criteria may still apply, such as age restrictions or residency requirements.
• Medicare or Medicaid:
  • Aetna may offer dental plans that are compatible with Medicare or Medicaid. Eligibility for these plans may be tied to your enrollment in Medicare or your eligibility for Medicaid benefits.
• Geographic Availability:
  • Aetna’s dental insurance plans may not be available in all areas. Eligibility can depend on whether Aetna offers dental coverage in your specific geographic location.

Do Aetna Dental Plans Cover Cosmetic Procedures?

No. Most aetna dental plans do not cover cosmetic procedures like veneers or whitening. However, they offer a Dental Savings Plan that discounts many of these services. The savings are not as great as those offered by traditional insurance, but they can be a good option for people who don’t want the hassle of dealing with an insurance company.

Aetna Dental Access Discount Plan

Aetna dental plans offer a broad choice of dentists, discounts and offers that stretch your dollars, digital tools that help you manage your care, and superior customer service from a team with, on average, over 8 years of experience** helping members. In addition, these plans are easy to understand and have less restrictive eligibility criteria than traditional insurance.

Aetna also offers Dental Access, a discount plan that is designed for seniors and those without insurance. These plans do not have a waiting period and offer discounts on many services, including root canals and crowns. You can purchase these cards online or by mail, and they start at just $7.99 a month.