Aetna Dental Insurance Review: One Of The Best In 2023
Posted in Dental Insurance last updated on February 10, 2023
Aetna Dental Insurance Review
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.
| Pros | Cons |
|---|---|
| ✅ 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
- Dental Direct Preferred
- Dental Direct Core
- Dental Vision Hearing
- Dental Vision Hearing Plus
- Prices
- Recommendation
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.
| Service | In Network You Pay | Out Of Network You Pay |
|---|---|---|
| Preventative Services (Immediate Coverage) | ||
| Oral Examinations | No Cost | 20% |
| Cleanings | No Cost | 20% |
| Full-mouth images | No Cost | 20% |
| Sealants | No Cost | 20% |
| Basic Services (6 Month Waiting Period) | ||
| Filling | 20% | 40% |
| Periodontal maintenance cleanings | 20% | 40% |
| Extraction | 20% | 40% |
| Major Services (12 Month Waiting Period) | ||
| Surgery | 50% | 60% |
| Crowns | 50% | 60% |
| Root Canal | 50% | 60% |
| Dentures | 50% | 60% |
| Orthodontics | Not Covered | Not 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.
| Service | In Network You Pay | Out Of Network You Pay |
|---|---|---|
| Preventative Services (Immediate Coverage) | ||
| Oral Examinations | No Cost | 20% |
| Cleanings | No Cost | 20% |
| Full-mouth images | No Cost | 20% |
| Sealants | No Cost | 20% |
| Basic Services (6 Month Waiting Period) | ||
| Filling | 50% | 50% |
| Periodontal maintenance cleanings | 50% | 50% |
| Extraction | 50% | 50% |
| Major Services (12 Month Waiting Period) | ||
| Surgery | 50% | 70% |
| Crowns | 50% | 70% |
| Root Canal | 50% | 70% |
| Dentures | 50% | 70% |
| Orthodontics | Not Covered | Not 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.
| Services | Plan Covers |
|---|---|
| Preventative Care | |
| Examinations and cleanings | Year 1 60%; Year 2 70%; Year 3+ 80% |
| X-Rays | Year 1 60%; Year 2 70%; Year 3+ 80% |
| Fillings | Year 1 60%; Year 2 70%; Year 3+ 80% |
| Extractions | Year 1 60%; Year 2 70%; Year 3+ 80% |
| Major Care (12 Month Waiting Period) | |
| Root canals | Year 1 0%; Year 2+ 60% |
| Surgery | Year 1 0%; Year 2+ 60% |
| Bridges, crowns, dentures | Year 1 0%; Year 2+ 60% |
| Orthodontics | Not Covered |
| Vision (6 Month Waiting Period) | |
| Eye Exams | Year 1 60%; Year 2 70%; Year 3+ 80% |
| Eyeglasses | Year 1 60%; Year 2 70%; Year 3+ 80% |
| Contact Lens | Year 1 60%; Year 2 70%; Year 3+ 80% |
| Hearing (12 Month Waiting Period) | |
| Hearing exam | Year 2 70%; Year 3+ 80% |
| Hearing Aids | Year 2 70%; Year 3+ 80% |
| Deductible | 100/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.
| Services | Plan Covers |
|---|---|
| Preventative Care (No deductible) | |
| Examinations and cleanings | Year 1 60%; Year 2 70%; Year 3+ 80% |
| X-Rays | Year 1 60%; Year 2 70%; Year 3+ 80% |
| Basic Care ($100 deductible) | |
| Fillings | Year 1 65%; Year 2+ 80% |
| Extractions | Year 1 65%; Year 2+ 80% |
| Major Care (12 Month Waiting Period) | |
| Root canals | Year 1 20%; Year 2+ 50% |
| Surgery | Year 1 20%; Year 2+ 50% |
| Bridges, crowns, dentures | Year 1 20%; Year 2+ 50% |
| Orthodontics (12 Month Waiting Period) | |
| Orthodontics | Year 2+ 50% ($1,500 lifetime maximum) |
| Clear aligners | Year 2+ 50% ($750 lifetime maximum) |
| Vision (6 Month Waiting Period) | |
| Eye Exams | Year 1 65%; Year 2+ 80% |
| Eyeglasses | Year 1 65%; Year 2+ 80% |
| Contact Lens | Year 1 65%; Year 2+ 80% |
| Hearing (12 Month Waiting Period) | |
| Hearing exam | Year 2+ 80% |
| Hearing Aids | Year 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.
| Age | Dental Direct Preferred | Dental Direct Core | DVH | DVH 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.
FAQs
6 Comments
Rich DeVictor
I am 83 and have dental coverage with Atena. Part paid through my teachers retirement plan. But I am unhappy with them. My coverage is only $1500 year and spend much more than that with all my dental problems. Could I do better with another company. Thanks.
Kelly Maxwell
You have a few other options available to you. We sent you an email with more info.
Lana
I am on Medicare and looking for the best dental plan. I know about Aetna, Mutual of Omaha and Physicians Mutual. It is hard to choose which one to sign with.
Please advise.
Thank you in advance
Kelly Maxwell
We sent you an email with more info Lana.
Pamela
I am on Medicare and looking for the best dental plan. I am currently with Physicians Mutual and want to know if there are better options available to compare rates and services.
Kelly Maxwell
Hi Pamela, Aetna is a great choice but not the only option. Wen sent you an email with more info.