Dental Insurance Plans

Significance of Dental Hygiene

Good oral health is undoubtedly the sign of good body hygiene. Oral hygiene is equally important for adults & kids. So you can estimate that oral hygiene begins from child hood. It begins right from the spot your first set of teeth appears. Soon you understand that preventative care is indispensable in the case of oral care.

Dental Insurance

As Dental hygiene becomes necessary for living, the expenses associated with it also become unavoidable.

Thus it can reach a stage where dental expenses can bust your pocket. Preventative care, of course is quite significant in this arena. But if an individual, as part of a family or part of an organization is required frequent visits to the dentist, then dental insurance should definitely become part of their life.

Many dental insurance providers promise more savings; one among them is Aetna dental insurance.

Aetna Dental insurance Inc: -

Aetna is one of the best insurance providers in the United States. As the coverage is similar to many insurance providers, it is complex & flexible, which makes it unique. You have to pay an annual premium, which is comparatively lower than other insurance providers in the United States.

This is popular among corporate & self –employed individuals.

Individual Dental Coverage: -

Individual dental coverage consists of two policies: -

1. Individual PPO (preferential provider organization) plan: - It primarily covers almost 80% of general care, which includes preventative care, general cleaning & diagnosis. The dentist should be chosen from the predefined panel provided by Aetna. More than one lakh dentists are at present under the coverage of Aetna at different locations. Maximum coverage with minimum deductibles i.e. the tag of Aetna Insurance providers.

50 % coverage is ensured for root canals, crown treatments, fillings etc.

After one and a half years, coverage is offered for orthodontic treatments & oral surgeries like dental implants except cosmetic procedures like smile retrieval, bleaching etc

Thus you can earn a yearly savings of about 1000$.

2. Individual PPO plus plan: – It covers 100 % of preventive, diagnostic & general treatments. 80% of root canal treatments, crown treatments, fillings etc.

After one & a half years, 50 % coverage is offered for oral surgeries, orthodontic treatments excluding cosmetic treatments.
Thus annual savings will amount to almost 1200$.

Group Dental Coverage consists of many plans. This is primarily provided to corporates. Any employee can benefit from this insurance, as their dental worries will be over from this coverage. The employees can clarify about the major coverage through their employer or through Aetna themselves.

Some of their major policies are: -

1) DMO (dental maintenance organization): - This is a primary treatment, which is assigned to a particular dentist only. There is no option of dentists provided. Referrals are not required even for major orthodontic treatments.

2) PPO (preferred provider organization): – There is a predefined panel of dentists to choose from. It is flexible. You can choose your dentist from the list or your favorite dentist might be listed. So there is a choice, different from the previous. The first dentist also recommends referrals. The dentists are paid their fees monthly by Aetna as they are under their contract.

3) Hybrid Plan: – If one chooses this plan, there is flexibility of choosing PPO or DMO, according to ones wish. It is called a two in one plan. Discounts available for choosing PPO plan.

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Tags: Aetna Dental Insurance, Dental Iinsurance Plans