Aetna Dental Insurance- A desirable Insurance plan
Aetna is one of the leading dental insurance providers. Aetna dental insurance plans are well recognized for its service. The dental insurance plans provided by Aetna are for individuals, families and business groups. There are wide ranges of dental insurance plans offered by Aetna that are best suited to user needs. Aetna offers broad range of services to its clients including dental medical insurance, disability, medical management and long-term care. Presently, company’s dental plan covered 13.5 million members, medical plan covered 15.4 million members and pharmacy includes 10.2 million members.
Aetna dental insurance plans falls under two categories: Aetna Individual Advantage Dental and Vital Savings Aetna dental plans. Aetna Individual Advantage Dental has two plans: Individual AdvantageSM Dental PPO plan and the Individual AdvantageSM Dental PPO plus Plan. The difference between both these plans are for individual those who aged 49 or below and for people who aged above 50. The coverage plans offered under this insurance plans includes basic dental care such as teeth cleanings, root canals, cavity fillings, X-ray etc. These insurance plans also provides dental service like crowns, dentures etc.
Another insurance plan offered by Aetna is the Vital Savings dental plans. Vital Savings dental plan is not an insurance plan rather it is a discount program that offers more benefits just than that of dental care. It provides discount on pharmacy, vision care and on dental care as well.
Aetna dental insurance plans have several benefits. With Aetna, you can save up to 15 to 50% on any minor or major dental procedures. Moreover, it also provides discount on the orthodontic and on periodontic care. Aetna also provides flexibility to choose dentists outside the Aetna networks. The only difference lies between the two is difference in the regular fees but the amount of benefits are same in both in-network and outside network dentists.
Another two Aetna Plans include Dental Maintenance Organization and Dental Indemnity. Dental maintenance Organization (DMO) plans allow to avail dental care via primary care dentists with the option of co-payment or co-insurance without deductibles. Dental Indemnity plans allow to choose any dentist but it is totally based on the coinsurance basis and also includes deductibles for procedures.
