Aetna Dental Insurance Review: One Of The Best In 2022

Aetna Insurance

Aetna Dental Insurance Review

Kelly Maxwell

Aetna Insurance
Editor’s Rating: 5/5 Stars

Summary

Aetna dental insurance comes with stand-alone dental coverage or dental, vision, and hearing coverage. Overall, it is very affordable compared to competitors and comes with many different amounts of coverage.

5
ProsCons
✅ Very low rates❌ Not available in many states
✅ Vision and hearing at no additional cost
✅ No deductible for preventative care

Aetna dental, vision, and hearing insurance is some of the most affordable on the market.

But is it the best?

This article will show you all of the different Aetna dental plans, what they cover, and our recommendations.

Give us a call or chat with us to enroll in Aetna dental, vision, and hearing insurance and go over sample rates.

Table Of Contents

Aetna Dental Direct

Read Aetna’s Dental Direct brochure here.

Dental Direct is Aetna’s standalone PPO dental insurance plan.

They have two products, Direct Preferred and Direct Core.

Dental Direct Preferred

Direct preferred has higher premiums, but has more comprehensive coverage.

ServiceIn Network You PayOut Of Network You Pay
Preventative Services (Immediate Coverage)
Oral ExaminationsNo Cost20%
CleaningsNo Cost20%
Full-mouth imagesNo Cost20%
SealantsNo Cost20%
Basic Services (6 Month Waiting Period)
Filling20%40%
Periodontal maintenance cleanings20%40%
Extraction20%40%
Major Services (12 Month Waiting Period)
Surgery50%60%
Crowns50%60%
Root Canal50%60%
Dentures50%60%
OrthodonticsNot CoveredNot Covered
Deductible$50 (individual) $150 (Family)$50 (individual) $150 (Family)
Annual Maximum Payout$1,250$1,000


Dental Direct Core

Direct core has lower premiums, but you have to pay more percentage of your care.

ServiceIn Network You PayOut Of Network You Pay
Preventative Services (Immediate Coverage)
Oral ExaminationsNo Cost20%
CleaningsNo Cost20%
Full-mouth imagesNo Cost20%
SealantsNo Cost20%
Basic Services (6 Month Waiting Period)
Filling50%50%
Periodontal maintenance cleanings50%50%
Extraction50%50%
Major Services (12 Month Waiting Period)
Surgery50%70%
Crowns50%70%
Root Canal50%70%
Dentures50%70%
OrthodonticsNot CoveredNot Covered
Deductible$50 (individual) $150 (Family)$50 (individual) $150 (Family)
Annual Maximum Payout$1,000$750



Aetna Dental Vision Hearing

Read Aetna’s Dental Vision & Hearing brochure here.

Aetna’s Dental Vision Hearing plans cover more than just dental, with vision and hearing all baked into the same plan. These plans are especially useful for seniors on Medicare, as dental, vision, and hearing insurance is not covered by Medicare.

Note: The deductible does not apply to preventative care, meaning you do not have to pay the $100/year deductible before the plan pays for preventative care.

Dental Vision Hearing

Aetna’s Dental Vision Hearing plan has lower premiums but makes you pay more upon receiving care.

ServicesPlan Covers
Preventative Care
Examinations and cleaningsYear 1 60%; Year 2 70%; Year 3+ 80%
X-RaysYear 1 60%; Year 2 70%; Year 3+ 80%
FillingsYear 1 60%; Year 2 70%; Year 3+ 80%
ExtractionsYear 1 60%; Year 2 70%; Year 3+ 80%
Major Care (12 Month Waiting Period)
Root canalsYear 1 0%; Year 2+ 60%
SurgeryYear 1 0%; Year 2+ 60%
Bridges, crowns, denturesYear 1 0%; Year 2+ 60%
OrthodonticsNot Covered
Vision (6 Month Waiting Period)
Eye ExamsYear 1 60%; Year 2 70%; Year 3+ 80%
EyeglassesYear 1 60%; Year 2 70%; Year 3+ 80%
Contact LensYear 1 60%; Year 2 70%; Year 3+ 80%
Hearing (12 Month Waiting Period)
Hearing examYear 2 70%; Year 3+ 80%
Hearing AidsYear 2 70%; Year 3+ 80%
Deductible100/Year/Person


Dental Vision Hearing Plus

Aetna’s Dental Vision Hearing Plus covers a higher percentage of care but has higher premiums. It also covers orthodontics, something many other plans do not cover.

Note: The $100/year deductible does not apply to preventative care.

ServicesPlan Covers
Preventative Care (No deductible)
Examinations and cleaningsYear 1 60%; Year 2 70%; Year 3+ 80%
X-RaysYear 1 60%; Year 2 70%; Year 3+ 80%
Basic Care ($100 deductible)
FillingsYear 1 65%; Year 2+ 80%
ExtractionsYear 1 65%; Year 2+ 80%
Major Care (12 Month Waiting Period)
Root canalsYear 1 20%; Year 2+ 50%
SurgeryYear 1 20%; Year 2+ 50%
Bridges, crowns, denturesYear 1 20%; Year 2+ 50%
Orthodontics (12 Month Waiting Period)
OrthodonticsYear 2+ 50% ($1,500 lifetime maximum)
Clear alignersYear 2+ 50% ($750 lifetime maximum)
Vision (6 Month Waiting Period)
Eye ExamsYear 1 65%; Year 2+ 80%
EyeglassesYear 1 65%; Year 2+ 80%
Contact LensYear 1 65%; Year 2+ 80%
Hearing (12 Month Waiting Period)
Hearing examYear 2+ 80%
Hearing AidsYear 2+ 80%
Deductible$100/year/person



Aetna Dental Insurance Prices

Aetna has some of the most affordable dental insurance prices.

Here is a breakdown of each type of plan’s prices.

Keep in mind, that prices can change depending on the maximum amount of coverage you want.

AgeDental Direct PreferredDental Direct CoreDVHDVH Plus
20$44$38$48$27
30$49$42$50$29
50$59$51$50$29
70$75$65$57$34
80$75$65$59$40



Aetna Dental Providers

While the Dental Vision Hearing plans can use any dental provider, prices will be better if you use someone in the network.

Click here to search for Aetna dental providers in your area.

Recommendation

Overall we recommend one of the Dental Vision Hearing plans for everyone looking to dental insurance.

Not only does it come with additional benefits that other dental plans don’t come with, it’s more affordable!

Plus, if you need orthodontic coverage, only the Dental Vision Hearing Plus plan will cover that.

If you have any additional questions or want to get enrolled in a dental insurance plan for yourself, a spouse, or your whole family, give us a call, chat with us, or leave a comment below!

We look forward to hearing from you.

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