Does Aetna Cover Dental Care (Cleaning, Implants, Etc.)?

Aetna has several covers that guarantee members’ access to affordable health care services.

This article specifically addresses whether Aetna covers dental care services such as preventive care, surgery, and implants.

So, does Aetna Insurance cover dental health?

Yes, Aetna has partnered with some dental care providers (licensed dentists) across the US to subsidize both preventative and curative dental care costs.

To achieve this goal Aetna has developed specific plans to address various aspects of care with varying limitations, conditions, and exclusions. These have been handled in detail here below.Aetna dental insurance plans

Aetna Dental Insurance Plans

Whether you are looking for dental insurance plans for seniors or children, Aetna has put in place something for you and your loved ones.

The most common dental insurance plans at Aetna are:

1. Aetna Dental Direct Plan

In this plan, members get 100% subsidized (free) preventative dental care. This plan is therefore geared towards ensuring members do not suffer from preventable dental health issues.

One notable thing with this plan is that one does not need to have medical coverage with Aetna for them to qualify for the purchase of the Aetna Dental Direct Plan.

Also, customers or clients switching from other providers of similar insurance coverage plans do not have to undergo the downsides associated with switches.

One such downside is the mandatory waiting period before the cover becomes useful or active. Th this case, customers can switch and have the dental cover activated right away.

2. Aetna Vital Savings Dental Discount Card

As the name suggests this is a savings dental discount card provided by Aetna that guarantees savings on dental care costs at certain dental practices across the US.

With this card, customers can make savings ranging from 20% to 50% off dental care costs.

If you are interested in this card, all you need to do is contact the insurance company via phone or email to make your order.

Alternatively, you can visit the online link on their website and make a purchase.

3. Aetna Dental DMO

This is a group dental insurance plan in which members’ budgets are given substantial consideration.

The plan provision has been simplified such that members get the much-needed guidance from a primary care dentist (PCD).

Some of the unique features of this plan include:

  • Limitless coverage for major services
  • There exist no claims or deductibles
  • Specialty care must be accompanied by the necessary referrals
  • There must be an in-network primary care dentist (PCD)

4. Aetna Dental PPO

This is a group insurance plan for members that like some sense of freedom when it comes to choosing the dentists.

With this freedom, members can either choose one of the in-network dental practices or choose to go for the one they like and pay a little more.

Some of the key features of this plan include:

  • No referrals or primary care dentists are required
  • Staying in the network guarantees lower costs of care
  • There is freedom for members to choose to see a licensed provider they choose
  • There are yearly limits as well as deductibles associated with this plan
  • The plan guarantees a higher premium than the previously discussed DMO plan

5. Aetna Dental Indemnity Plan

Under this group insurance plan, members have the opportunity to see any licensed provider across the US then later on file a claim for reimbursement of some of the money paid to meet the dental care costs.

The good thing about this plan is that the members do not have to deal with the hassle of getting referrals or choosing a suitable primary care dentist (PCD).

Some of the notable features of this plan include:

  • Members are free to visit any licensed dental care provider in the US
  • There are no referrals required with this plan
  • The cost paid to the dentist is shared between the member and Aetna Insurance.
  • There are lifetime and annual limits associated with this plan
  • Very helpful for self-funded and fully-insured customers

6. Aetna Dental Freedom-of-Choice Plan

This is an amazing plan or arrangement in which members have the freedom to choose between any two plans.

This can come in handy especially when dental care needs keep on changing, and where one plan cannot fully address the needed coverage.

The arrangement gives the members the unique advantage to access two different plans at a simple and convenient price.

The plans included here are:

  1. Aetna DMO, PCD-guided
  2. PPO or Indemnity Plan

Members are only allowed to switch between plans once a month

The key takeaways from this plan include:

  • Ability to switch between two dental plans monthly throughout the year
  • The liberty of members to visit any licensed dentist regardless of whether they are in-network.
  • There is no need for the primary care dentist (PCD) in the Indemnity and PPO plans
  • There is one convenient price

FAQs on Aetna Dental Care Coverage

Below are some of the commonly asked questions regarding Aetna dental care coverage across the US.

Does Aetna Cover Implants?

Yes, Aetna may cover dental implants as long as the member’s plan allows for the same, and if the member visits the accepted and licensed in-network or out-network dentist.

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