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Aetna Dental Insurance Review


ConsumersAdvocate.org Rating: 4 / 5 (Excellent)
15 Customer Comments & Reviews - see all comments
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`Founded in 1853, Aetna is a Connecticut-based managed healthcare company soon to be headquartered in New York City. Aetna sells traditional health insurance plans and related services, such as dental, pharmacy, group life, disability, and long-term care insurance. Aetna maintains a network of over a million healthcare providers and services over 30 million policyholders nationwide.
 
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Aetna Dental Review

Aetna Dental offers a variety of dental insurance options for individuals, families, and groups. It has one of the largest networks of dentists, making it very accessible for everyone. 

 

What's included with aetna Dental?

Network only Plans (DMO) 

Dental maintenance organization (DMO) is available at a lower cost than a traditional dental PPO insurance plan.

Primary care dentists (PCD) referrals and preauthorization are only required when specialty care is needed.

No referrals are needed for orthodontia, when covered.

Network Option Plans (PPO) 

Offers a PPO plan to those who pay 50% or more of the premium.

It has a PPO II network that is a vendor-based network that adds thousands more PPO dental practice locations nationwide. That can mean greater access to dental services at contracted rates.

Dental Indemnity Plans

No referrals required.

Members can visit any licensed dentist.

Members pay the dentist up front then get reimbursed for eligible services.

 

Fine Print

Crowns, Inlays, Onlays and Labial Veneers are covered only when needed because of decay or injury and only when the tooth cannot be restored with amalgam or composite filing material.

The total number of cleanings and periodontal maintenance procedures are combined in a 12 month period. 

 

Summary

One major drawback with aetna Dental is that it is only available as a stand alone policy in Arizona, Delaware, Illinois and Pennsylvania. This is highly unattractive for those with exisiting health and life policies.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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15 Customer Comments & Reviews

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C
cplummer
6/27/2024
The worst. Providers overcharging and Aetna refusing to pay for services. The client is in the middle and sent to collections

Julia B
6/6/2023
WORST INSURANCE EVER! Working for a dental provider that runs many dental claims from numerous dental insurance companies, I can't stress enough that AETNA IS ABSOLUTELY THE WORST!! Horrible customer service, constantly denying claims for no reason that end up never getting paid after numerous back and forth with them. I would love to give them negative stars. I am recommending that our office no longer accept Aetna insurance. Delta Dental offers a wonderful Medicare Advantage plan- look into that NOT AETNA!

rustyklaiber0
8/31/2022
As the latest 'victim' I just got informed during my recent dental appointment that my 'account has been downgraded' and was stuck with a $526 bill that I couldn't afford meaning what they took out of my check for coverage was theft, plain and simple. So this isn't so much a review but a warning to not take this insurance,it is a scam.

D
DEM
1/13/2022
I needed some major dental work completed and my dentist office confirmed they were a provider for the DMO. Once the work was completed Aetna denied all claims saying the dentist was out of network. Now I'm stuck with a huge bill. Can't wait to get on my wife's dental insurance and say goodby to Aetna.

Jenny K
5/15/2021
This company is nothing but a scam they don’t even cover cleaning they also throw in the good old pre-existing so they don’t cover anything.

D
DAVID M
3/12/2021
This has got to be a joke. My employer changed dental providers to Aetna without even letting us know of the change. Only after having cleanings done for both of my kids to which insurance was denied because we were unaware of the change, did we find out about the change. Now this is not an Aetna problem, this is my employers problem. I get that. However, after logging into the Aetna site, we find out that there is only one single provider in the whole city that is in network. So now we have to change dentists after having the same one for years. Even better, my kids need orthodontic work, which was being handled in tandem with our old dentist who was tied directly to a local... Read More

M
Mehdi K
6/11/2020
WORST Insurance EVER! They reject most of the claims even though they promised to cover that service in the plan. They just keep asking for nonsense information as an excuse to reject your claim.

Rory K
2/15/2020
Aetna denied dental claim under the guise of my having used all out of network coverage. All dentists used were in network, until the one in which they denied. Appeal process worthless. Aetna knows customers have an uphill battle getting denials reversed. In my opinion, Aetna uses fraudulent advertising and fraudulently denies claims. Go elsewhere for your insurance needs, do not trust Aetna.

vlad79
11/1/2019
Scam. Won't provide 100% coverage for routine cleaning and checkups as they claim

Judith G
10/2/2019
Aetna Dental Plans is terrible, it deny all claims. I will drop it soon

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