UnitedHealthcare vs Aetna

Alice Stevens
Alice Stevens | Senior Editor

Both Aetna and UnitedHealthcare have earned high user star ratings for their dental plans from customer reviews on Best Company. Both offer plans for individuals, families, and employer groups. UnitedHealthcare stands out for its Dental Gen plans designed for seniors.

UnitedHealthcare logo verified_user
#1 UnitedHealthcare
7.1 Overall Score
4.1
star star star star star_half
(50)
Aetna logo
#7 Aetna
3.5 Overall Score
4.0
star star star star star_border
(42)

Overview

UnitedHealthcare

Time in Business

Undisclosed

Aetna

Undisclosed

Ratings

UnitedHealthcare

Overall Score
7.1 of 10
Review Score
4.1
star star star star star_half
Value for Money
3.8
star star star star_half star_border
Quality of Product or Service
4.0
star star star star star_border
Company Trustworthiness
4.0
star star star star star_border
Likely to Recommend
7.5 of 10

Aetna

3.5 of 10
4.0
star star star star star_border
3.7
star star star star_half star_border
3.6
star star star star_half star_border
3.7
star star star star_half star_border
6.7 of 10

Reviews

UnitedHealthcare

Number of Reviews
50
Review Breakdown
4.1
star star star star star_half
5 star
50%
4 star
26%
3 star
18%
2 star
4%
1 star
4%

Aetna

42
4.0
star star star star star_border
5 star
55%
4 star
17%
3 star
7%
2 star
10%
1 star
12%

Reviews for UnitedHealthcare

Helpful Favorable Review

star star star star star_border

NG ,

I like the network of dentists I had access to with United Healthcare. The services covered were comprehensive, though the "higher level" care was somewhat inadequate (we just prayed we wouldn't need such treatment!).

8 months ago

Helpful Critical Review

star star star_border star_border star_border

Millie Cumming, GA

We used UHC Medicare Advantage for three years. All seemed pretty good until I tried to make a dental claim which I was assured was covered, according to the contract I had signed onto. Well it was denied. I was talked into buying a dental rider which (foolishly) I did. Ultimately I discovered that for $2350 worth of needed dental surgery, UHC would pay less than $300. Their allowable rate is putrid and unrealistic. I am going with another plan for this open enrollment season. I appealed my original claim of $327 for dental cleaning and X-rays but after two months still not resolved. Of course I paid for all of my dental work out of pocket. Stay away. For some reason this company has really gone down hill,

1 year ago

Reviews for Aetna

Helpful Favorable Review

star star star star star

Debra Millender St Louis, MO

I found Aetna when I was looking for Dental Insurance for my 22 year old son who is still in school but couldn't stay under my insurance. They are reasonable price and make it real easy to sign up for their services.

8 months ago

Helpful Critical Review

star star star_border star_border star_border

marco Munford, TN

Didn't have a choice in provider but Aetna worked when i went to the dentist. I only had to pay 5 dollars but i never know how much i'm going to pay until like 1-2 weeks later. It would be cool if could just pay after i leave.

1 year ago

The Final Word

While both Aetna and UnitedHealthcare offer dental insurance plans to individuals and families, Aetna only offers one dental insurance plan. If its Aetna Dental Direct® plan meets your needs, you don't need to look further. Aetna also offers a dental discount card Aetna® Vital Savings. This is not insurance. Instead, you pay a small monthly membership fee and receive discounts on dental services when you visit participating dentists.

In contrast, UnitedHealthcare makes it easy to get more specifics on its plans by entering your zip code. Once you enter your zip code, you'll see what plans are available in your area. You may find more dental plan options through UnitedHealthcare depending on your area.

UnitedHealthcare stands out for its Dental Gen plans. These plans are designed with seniors' unique needs in mind. For example, the plans include EPIC hearing coverage and allow you to add vision coverage to your plan as well. These plans are worth investigating further.

It's harder to choose between Aetna and UnitedHealthcare if you're an employer including dental insurance in your benefits package. Both companies offer plans with only in-network coverage and plans with in- and out-of-network coverage. 

Aetna's in-network plan option is a Dental Maintenance Organization (DMO), which means that all dental care is managed through each member's primary dentist. UnitedHealthcare offers a similar network structure with its select managed care dental plans. It also offers in-network only plans that do not have the managed care structure.

Aetna offers two plans with in- and out-of-network coverage: Preferred Provider Organization (PPO) and Participating Dental Network (PDN) plans. UnitedHealthcare just offers PPO plans.

Aetna stands out from UnitedHealthcare for its dental indemnity group plans. These plans do not have set dental networks or require referrals. Some plans may have deductibles and annual maximums.

Both Aetna and UnitedHealthcare are good choices for dental insurance. If you're a senior, we recommend looking into UnitedHealthcare's Dental Gen plans. If you're an employer and want to offer an indemnity dental plan, Aetna is the way to go. If you're buying a dental insurance plan for yourself, you may find more options through UnitedHealthcare.

Top Choice

UnitedHealthcare Logo
UnitedHealthcare

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