Aetna Dental Insurance Review
ConsumersAdvocate.org Rating: 8.1 / 10 (Excellent)
Aetna Dental Review
Aetna Dental offers a variety of dental insurance options for individuals, families, and groups. It has one of the largest networks of dentists, making it very accessible for everyone.
What's included with aetna Dental?
Network only Plans (DMO)
Dental maintenance organization (DMO) is available at a lower cost than a traditional dental PPO insurance plan.
Primary care dentists (PCD) referrals and preauthorization are only required when specialty care is needed.
No referrals are needed for orthodontia, when covered.
Network Option Plans (PPO)
Offers a PPO plan to those who pay 50% or more of the premium.
It has a PPO II network that is a vendor-based network that adds thousands more PPO dental practice locations nationwide. That can mean greater access to dental services at contracted rates.
Dental Indemnity Plans
No referrals required.
Members can visit any licensed dentist.
Members pay the dentist up front then get reimbursed for eligible services.
Crowns, Inlays, Onlays and Labial Veneers are covered only when needed because of decay or injury and only when the tooth cannot be restored with amalgam or composite filing material.
The total number of cleanings and periodontal maintenance procedures are combined in a 12 month period.
One major drawback with aetna Dental is that it is only available as a stand alone policy in Arizona, Delaware, Illinois and Pennsylvania. This is highly unattractive for those with exisiting health and life policies.