Is the Aetna dental saving plan worth it?
Asked by: Carter Kilback | Last update: October 8, 2025Score: 4.8/5 (18 votes)
What is the best insurance to have for dental?
Investopedia found Delta Dental to be the best dental insurance company for people looking for standalone plans because of its great coverage and customer satisfaction. However, Physicians Mutual or Spirit may be a better fit if low costs are your main concern.
Can you cancel Aetna dental Savings Plan?
Refund and Cancellation Policy
To ensure cancellation request is processed, Member must call a Member C.A.R.E. Representative at the number on his or her Membership ID Card. The applicable refund will be made within 30 days of receipt of the notice of cancellation.
Is it worth it to have a dental plan?
Benefits of having dental insurance
Helps Cover the cost of dental care: With dental insurance, you can receive the dental care you need at a more affordable cost. Having coverage can reduce how much you'll pay in out-of-pocket expenses for treatments and procedures.
Is it better to have dental insurance or pay out of pocket?
Dental care without insurance: The costs quickly add up
That's a lot to pay out of your own pocket. But dental insurance can help cover a big chunk of the cost. For example, if you need one crown that normally costs $1,200, your dental plan's negotiated fee with network dental clinics could be reduced to around $900.
🔥 Aetna Dental Savings Plan Review: Pros and Cons
What is a dental savings plan?
For example, dental insurance might fully cover the cost of preventive care like annual cleanings and screenings. A dental savings plan would give you a discount, but you'd still need to pay every time you see a dentist. Dental savings plans usually cost less than dental insurance because they offer less coverage.
Is Aetna dental Expense Plan a PPO?
This Aetna Dental® Preferred Provider Organization (PPO) benefits summary is provided by Aetna Life Insurance Company for some of the more frequently performed dental procedures.
Is there a waiting period for Aetna Vital Savings?
No medical information is needed. And there are no copays, deductibles, waiting periods or claims, either. Vital Savings isn't insurance. It's a discount program.
How much do people spend on dental insurance a month?
Key Takeaways. Dental insurance premiums can range from as low as $7 per month up to $87 per month, according to our review. The cost of dental insurance depends on multiple factors, including the type of policy, the provider network, and the amount of coverage for dental work.
Does Aetna also cover dental?
Your Aetna dental plan options include:
Affordable plan options starting at $20 with dental checkups, cleanings and x-rays covered at 100% A nationwide network of more than 445,000 dental providersBased on April 2024 Aetna provider data. Plan options with coverage for fillings, crowns, root canals and more.
How can I fix my teeth if I don't have money?
- Nonprofit clinics. Some cities have dental clinics that specifically serve people with low incomes, no insurance, or who otherwise can't afford care.
- Donated services. Some state or national charities use donated labor and materials to give free care. ...
- Private dentists.
Which type of dental plan is the most common?
Preferred Provider Organization (PPO) dental insurance is the most common and versatile choice for many individuals and families. Its blend of provider flexibility, cost-sharing mechanisms, and coverage options makes it a well-rounded option for those seeking comprehensive dental care.
Why is dental work so expensive even with insurance?
Overhead costs for dental practices, which can account for 60% to 80% of patient charges, include many expenses such as rent, payroll, insurance, taxes, supplies, and advanced technology. The repayment of student loans from dental schools also plays a role in the overall costs.
Is Aetna the same as Blue Shield?
Aetna and Anthem are different health insurance companies. Aetna has broader availability, especially with Medicare Advantage plans. Aetna sells health insurance in 49 states plus Washington, D.C.. Anthem is a brand of the Blue Cross Blue Shield network. It only operates in 14 states.
Does Aetna cover tooth extraction?
Surgical dental extractions are considered dental in nature. They are typically covered under an Aetna dental plan. There are exceptions, however. To verify whether your dental or medical plan may cover surgical extractions, call Member Services.
Is Aetna dental savings worth it?
You can use the card to help pay for crowns, cleanings, and even orthodontics and whitening at participating dentist offices. Aetna's Vital Savings program has more than 260,000 providers, and your savings could be between 15 and 50 percent off dental services.
What are the cons of dental insurance?
Aside from cost concerns, other cons include limited coverage or policies that have annual limits on reimbursements. Additionally, some plans may require premium payments that are higher than what is necessary for providing the desired level of care.
Can you use dental insurance and dental savings plan at the same time?
However, it's important to note that you cannot use a dental insurance plan and discount card on the same procedure. Typical dental discount cards have no annual caps, and there are also no reimbursement claims to file. Members simply pay the arranged discounted price for services when they receive them.
Can I scrape plaque off my teeth?
Plaque removal is essential for good oral health, and you can safely remove – and prevent – plaque from forming. But you don't want to risk dental mishaps by using a plaque scraper at home. It's best to trust your licensed dental professionals with specialized tools.
How much is teeth cleaning out of pocket?
What's the average cost of teeth cleaning in Los Angeles, CA? The average cost of basic teeth cleaning without insurance ranges from $90 to $200.
How many teeth cleanings does insurance cover?
Many plans allow 2 cleanings a year. You must really understand whether you can have 2 cleanings "anytime" during the year or exactly 6 months apart. If for any reason you were to go to a dentist and in less than 6 months go to a different dentist and have a cleaning done.