Aetna Dental Insurance
Aetna Dental Insurance
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Aetna Dental Insurance
Choosing dental insurance is never a simple task. There are a multitude of insurance companies and dental plans from which to choose. The Aetna Dental Insurance company is one of the most popular dental plan providers, offering a variety of affordable dental care plans. Aetna offers products for families, individuals, corporate groups and to the military. Aetna is also a well-known health insurance provider.
Company Information
Regarded as a leader in the health insurance industry, Aetna has been around since 1850. Their reputation for providing dedicated service, along with a selection of diverse and affordable offers has drawn a notable listing of clients.
In the beginning, Aetna was a company that arranged a life insurance annuity fund. Through the years they moved to various locations and collaborated with a number of health insurance field experts to present consumers with the best insurance deals. They began to expand their offerings to claim a larger portion of the insurance market.
Aetna’s popularity with consumers increased when the company began to offer affordable discount dental plans. They strive to provide their members with resources and valuable information to help members make informed decisions regarding health care.
Aetna believes that a better health care system can be created and they are dedicated to making that happen. Aetna works closely with doctors, dentists, hospitals, patients, employers and public officials in an effort to build a more effective health care system.
Aetna Dental Plans
Aetna offers dental insurance plans for individuals, families and groups. They work with over 66,000 dental locations throughout the country to provide a wide range of benefits to consumers. With Aetna dental plans you can receive 15 to 50 percent savings on dental procedures, major and minor. There are also discounts available for orthodontic (braces) and periodontal (gums) services. All of Aetna’s participating dentists have excellent credentials and operate under a quality management program.
Aetna Advantage Dental – Aetna’s Advantage Dental is an individual dental insurance plan that consists of two different plans based on age groups. One plan is designed for patients aged 49 and under, and the other plan is designed for patients aged 50 and over. The Advantage Dental plans offer coverage for both basic and major dental services.
Aetna Dental Access/Vital Savings by Aetna – Both of these programs are dental discount plans that do not qualify as insurance. There is no billing involved, co-payments or deductibles. The plan simply allows members to save on routine dental services as well as specialty care and major procedures.
Using either plan is easy and members pay a low monthly fee once they join. The plans are available through a number of dental insurance providers other than Aetna. Depending on which provider is used, the monthly fee amount for either plan will vary, ranging from $7.50 to $7.99 per month for individuals and $10.50 to $10.99 per month for families. It is possible to pay for an entire year with some providers-$72.00 to $104.95 per year for individuals and $99.95 to $159.95 per year for families. Members save 15 to 50 percent on dental services from participating dentists and receive other program benefits as well.
With the Vital Savings program there is a one-time sign-up fee of $15. The program is not available in Montana or Vermont. Some providers may offer group rates for Aetna Dental Access and Vital Savings by Aetna also offers a pharmacy discount plan and a vision plan which comes free when you become a member of the dental or pharmacy plan.
Group Dental Plans – Aetna offers a number of flexible and affordable dental plan options for business owners and their employees. They also offer the Aetna Dental/Medical Integration Program for employees who require more intensive periodontal services.
There are Network Only (DMO) and Network Option (PPO) Dental plans where employees select Primary Care Dentists from the dental network (Network Only) or choose any licensed dentist without a referral (Network Option). Aetna also offers the traditional indemnity (fee-for-service) dental plan for employers and the DentalFund plan which acts like a bank account set up by the employer with an annual contribution amount to pay for employees’ eligible dental expenses.
The Aetna Dental Freedom of Choice insurance plan is Aetna’s two-plans-in-one hybrid dental plan. The plan allows employers the ease of offering one plan, but employees can choose between two different plans. It consists of a network-only plan and employees select either a PPO or indemnity plan option to go with it. Employees can switch between plans each month and they pay a blended premium rate.
Aetna also offers Dental riders which offer enhanced benefits to an existing plan for an additional cost.
Importance of Dental Insurance
Dental insurance can provide you and your family with access to affordable preventative dental services which is critical for the proper care and long life of your teeth. If you have children with orthodontic needs it is important to find an adequate dental plan to minimize your out-of-pocket expenses. Preventing cavities and supporting healthy gums are just two of the benefits offered by an inexpensive dental insurance plan.