Aetna Dental Insurance Review

Rating: 8.1 / 10 (Excellent)
2 Customer Reviews - see all comments
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`Founded in 1853, Aetna is a Connecticut-based managed healthcare company soon to be headquartered in New York City. Aetna sells traditional health insurance plans and related services, such as dental, pharmacy, group life, disability, and long-term care insurance. Aetna maintains a network of over a million healthcare providers and services over 30 million policyholders nationwide.

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.


Fine Print

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.















Top Rated
Our Partner
9.8 / 10
  • Unlimited Use
  • Pre-Existing Conditions Included in Plan Savings
  • Plans Start at $99/Year for Discounted Rates on Dental Procedures
  • 100,000+ Dental Access Points Nationwide
  • A+ Grade with the BBB
  • Voted #1 in Ethics by Dallas Morning News
  • Discount Dental Plan (Not Insurance)

Latest Aetna Reviews

Manvel, Texas

Aenta dental insurance has been very disappointing. Aenta has refused to cover ANY implant dental work although our plan clearly covers up to 50% of dental implants. Aetna first denied coverage claiming that there was not enough evidence of the need for implants. When we provided the needed evidence Aetna then asked for history of tooth removal, and when we provided that, it claimed the implant was not medically necessary. Our dental surgeon then wrote Aetna a letter explaining that the implant was medically necessary. Aetna denied the claim nonetheless. A horrible experience with this provider.

San Francisco, California

Pretty good. Most dental insurance seem similar.