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Aetna Dental Insurance Plans for Seniors

Aetna Insurance offers several dental policies and discount plans designed to allow seniors and their families to receive the proper oral care they need for healthy teeth and gums. Some plans have deductibles, while others don’t, and each type of coverage with vary concerning waiting periods and procedures covered. In addition to traditional policies, seniors will want to find out if they qualify for Aetna Medicaid or whether their Medicare Advantage provider already includes an Aetna dental policy.

Aetna is a long-standing company in the insurance game, and they have a solid reputation for good customer service. Aetna offers customers both in-network and out-of-network coverage amid some of their dental plans. The company’s website features a comprehensive, searchable portal that allows policyholders to explore dentists by area of specialty, network status and the types of insurance policies each provider accepts.

Top Aetna Dental Plans and Pricing

Aetna customers can choose between many types of PPO, HMO, and dental maintenance   options (DMO) coverage. Each policy is designed to meet specific dental needs, with discount plans being the least expensive and comprehensive plans with combined coverage including vision, hearing, etc. are priced higher. Here are some of Aetna’s most popular dental plans for seniors along with pricing estimates.

Aetna Dental Access Discount Plan

For around $7.99 per month, individuals can save between 15-50% on routine services such as cleanings and X-rays in addition to savings on dentures, root canals, crowns and many other procedures. While it’s not an insurance plan, the Aetna Dental Discount Plan offers many similar perks including access to dental specialist and the ability to cover the entire household with a $189.00 flat-rate, no-hassle program for families. There are no deductibles, no waiting periods, and no claim forms to fill out. Customers simply pay a set scheduled fee for the services received, and coverage can begin within one to two days after enrollment.

Aetna Vital Dental Savings Plus Rx

The Aetna Vital Dental Savings℠ Plus Rx Plan is almost identical in services and coverages as the  company’s Dental Discount Plan concerning services offered preset prices. The primary difference in these plans is that the Plus Rx also includes hearing, vision and prescription medication discounts for around $10 each month per participant. There are no waiting periods, claim forms to fill out, or any annual limits or pre-authorizations necessary for treatments.

Aetna PPO Dental Plans

The Preferred Provider Plans through Aetna are often the best bet for senior who require major dental work. Even though policyholders can receive services from any dentist, using providers on the network is the only way to truly make a PPO worthwhile if savings are essential. Users will not require a referral for specialist’s services, and Aetna PPO plans offer full coverage for preventive care. Before investing in a plan, be certain that the maximum benefits payouts will meet your specific needs.

Aetna Dental Indemnity Plans

Aetna’s Dental Indemnity Plans offer policyholders tremendous flexibility, but one should be prepared to pay more for additional perks such as the maximum annual and lifetime benefits and no out-of-network costs. Indemnity plans allow seniors to see any dentist they choose at any time. Depending on the policy and level of coverage chosen, deductible amounts and premiums will vary.

While the discount plans are far more affordable, those seeking comprehensive coverage for major oral issues or who have dependent family member will likely find that a PPO Aetna dental policy to be an ideal—yet more costly—option. Expect to pay around $30-$75 per month for individual coverage and approximately three times that amount to cover an entire family. Unlike the dental savings plans Aetna offers, there are often longer waiting periods and there are almost always deductibles that must be met annually. However, with DMO plans, policyholders typically pay less in premiums and deductibles and enjoy no cap on annual benefits.

Aetna Dental Insurance Coverage for Dentures

Seniors who are currently in need of dentures or tooth replacement options like dental implants will likely want to consider other options beyond Aetna’s dental plans. Currently, 90% of Aetna Dental policies do not cover any form of tooth replacement for teeth that are missing when the policy is purchased. In essence, those with missing teeth seeking dentures or bridges when coverage begins will not enjoy related benefits in most cases. Policies that do offer coverage often have a one to two year waiting period before benefits ensue. However, Aetna’s discount plans are a potential option, as they will cover anywhere from 20-40% of the cost of dentures for qualifying policyholders.

Aetna Dental Insurance Reviews

Aetna Insurance has an A+ rating according to the Better Business Bureau, yet the BBB’s customer reviews are a stark contrast. The average user review is a mere one stars, with over 180 complaints filed in the past year that predominantly relate to customer service issues. According to records, the company has taken measures to resolve each complaint. Reviewers at Consumer Affairs rate their experiences with Aetna Insurance at a 1.25 out of 5 stars. However, ratings with the National Committee for Quality Assurance gives Aetna 4 out of 5 stars.

The Bottom Line

Aetna offers a wide range of policies for seniors and families seeking quality dental care coverage. They boast a large network of dentists, and the company provides a solid range of full or partial coverage for services ranging from preventive care to more in-depth oral procedures such as root canals and dentures. Overall, Aetna is worth considering, especially for those who are currently a member of some form of group plan. Those who are not, are likely to find one of Aetna’s dental management flat rate plans to be adequate for basic dental needs.