Aetna Logo
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LAST UPDATED: December 14th, 2022

Aetna is an insurance company that began with life insurance in 1853. Since then, Aetna has expanded its offerings to include dental, vision, and health insurance. Aetna values simplicity, focus, connection, caring, excellence, and integrity. These values influence their company decisions.

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The Good

  • Plan Variety
  • Dental Discount Program
  • Orthodontic Coverage Available

Plan Variety

Aetna offers four kinds of dental insurance plans:

  • Network Only Plans (DMO)
  • Network Option Dental Plans (PPO)
  • Dental Indemnity Plans
  • Hybrid Dental Plans

Each plan has monthly premiums that vary depending on the specific plan and number of people being insured on that plan.

Aetna’s Network Only plans provide insurance coverage for preventive dental care (cleanings and dental exams), basic services (fillings), and major dental care. People with this plan have coverage when they visit an in-network provider.

The Network Option plans provide similar benefits to those provided by the DMO plans. The dental PPO plan offers broader coverage in and out of Aetna’s dental provider network. Customers can choose from participating dentists or an out-of-network dentist.

Aetna Dental Indemnity Plans allow reimbursements for dental treatment from the insurance company after visiting the dentist. This plan allows patients to only pay for the treatments and procedures they receive. The drawback to this plan is that patients must pay their dental treatment costs themselves and then file for reimbursement.

Aetna also offers Hybrid Dental Plans. These dental benefit plans are designed for employers. An employer choosing this plan can offer their employees more options when choosing dental insurance benefits. The base plan is an Aetna DMO. Employees can choose a PPO option or indemnity option.

Dental Discount Program

Aetna also has a dental discount program that can be used instead of insurance or along with insurance. For an annual fee, customers receive a card that gives them discounts or savings when paying for dental care at in-network clinics. This program is a nice feature for individuals who don’t want to make a monthly payment and still want some kind of financial assistance with dental treatment.

Dental discount programs are sometimes also called dental savings plans.

Orthodontic Coverage Available

Some of Aenta’s dental plans include orthodontic treatment in their covered services. This insurance coverage includes restrictions on age, so orthodontic care must be started before that age to receive coverage.


The Bad

  • Term Variability

Term Variability

The specific terms and coverage of Aetna dental plans are different depending on the insurance policy you choose. Make sure you understand the specifics of a dental plan, especially regarding orthodontics and oral surgery, before making your choice.


The Bottom Line

Aetna is a well-known insurance provider. They have several kinds of dental plans, including a Dental Discount Program, which allows consumers to find the best fit for coverage and affordability. Before signing up for a dental plan, make sure you know the specifics of the coverage terms. Aetna is an insurer worth investigating when purchasing dental insurance.

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53 Reviews

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TommyT Flower Mound, TX

We have Aetna through my company and so far its been ok. We have medical, dental, and vision. Rates are pretty high and I would not consider if my company wasn't paying for some of it. Called customer service a few times and they answered in a timely manner and was helpful. My wife actually has Blue Cross through her employer and they actually have more benefits. So come next year we are switching over to BCBS. Overall Aetna is a decent insurance company.

2 years ago


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Sara S Tallahassee, FL

All insurance companies are a scam in my opinion. They cover the bare minimum but if you work for a company like Costco who partners with Aetna, they are better. However, they always charge random fees which makes you have to call them each time to have that resolved. Aetna is probably the best of the work in terms of insurance companies.

3 years ago


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Nicole Richman Pearland, TX

Their coverage is average, and customer service is usually helpful, but not always.

2 years ago