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.
Aetna offers four kinds of dental insurance 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.
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.
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 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.
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