The Best Aetna Dental Insurance for Seniors

Dental insurance is one of the best solutions for those who are looking for regular and preventive coverage. This kind of insurance usually covers routine services and can save the money in your pocket. If you are a senior, you might be looking for the best dental insurance for seniors.

Dental insurance for seniors is actually not that different compared to the one for younger ones. The only thing that makes it different is that it focuses on the coverage seniors are likely to need, including crowns, root canals, dentures, and tooth replacement. While it is true that they are not specific for seniors, the chance of the seniors to need these services is higher than the younger ones.

Seniors Dental Insurance for Aetna

Finding the best dental insurance for seniors is important so that you will be able to get help saving money in retirement while at the same time still be able to get the proper dental care. The benefits include low prices, short waiting periods, and minimal copays. Not only that, they also have high annual maximums that can cover the expensive procedures and flexible coverage depending on your needs.

For those who are looking for the best dental insurance for seniors, one of the things that you can consider is called Aetna. Aetna is known as the best for largest provider network.

Details:

    • No. Policy Types: 1
    • Coverage Limit ($): $1,250
    • No. States Available: 50

The company known as Aetna has been in the industry for so long. Apparently, this one has been providing dental benefits for more than 50 years and serves almost 13 million dental members. According to the data, it has more than 120,000 practitioners to choose from, which is such a good thing, especially for the seniors as they do not have to travel too far to find a dentist.

All the dental plans offered by Aetna are available in most states. These dental plans offer online account management, making it possible for you to do a few things, including getting cost estimates, finding an in-network dentist, and checking claims and statements.

For the seniors like you, there are a total of two coverage tiers to choose from. The first one is the Preferred PPO and the second one is the lower tiered Core PPO plan. Talking about the dental plans, there is a $50 deductible per person or $150 deductible for a family per calendar year.

    1. Plan: Aetna Dental Direct Preferred
      Type: PPO
      Benefits: You pay 20% for basic services and 50% for significant services after the deductible; there is a waiting period of 90, unless everyone in your plan has been covered for the last 90 days. In this case, no one for preventive care, six month for basic and 12 months for major services; there is an annual maximum benefit of $1,250 per individual.
      Deductible: $50/$150
      Cost (Individual/Family): It varies by location, ranging from $59-75/$114-141. You can estimate calculated for one or two adults between ages 50 and 60.
      Cost Per Year (Individual/Family): n/a
    2. Plan: Aetna Dental Direct Code
      Type: PPO
      Benefits: You pay 50% for basic services and 50% for significant services after the deductible; there is a waiting period of 90, unless everyone in your plan has been covered for the last 90 days. In this case, no one for preventive care, six month for basic and 12 months for major services; there is an annual maximum benefit of $1,000 per individual.
      Deductible: $50/$150
      Cost (Individual/Family): It varies by location, ranging from $51-64/$99-120. You can estimate calculated for one or two adults between ages 50 and 60.
      Cost Per Year (Individual/Family): n/a
    3. Plan: Aetna Dental Vital Savings
      Type: Discount Card
      Benefits: You can save 15% to 50% in most cases; there are 262,000 participating providers; there is no waiting period; there is no pharmacy discount; there is a one time service fee of $15.
      Deductible: No deductible
      Cost (Individual/Family): $7.99/$10.99
      Cost Per Year (Individual/Family): $75/$105
    4. Plan: Aetna Vital Dental Savings Plus Rx
      Type: Discount Card
      Benefits: You can save 15% to 50% in most cases; there are 262,000 participating DDS providers; there is no waiting period; there is a pharmacy discount up to 60% on generic prescriptions and 12% on brand name medications; there are more than 68,000 participating pharmacies, there is a one time service fee of $15.
      Deductible: No deductible
      Cost (Individual/Family): $9.99/$12.99
      Cost Per Year (Individual/Family): $95/$125

As mentioned before, there is no need for you to wait if you need to get preventive services. However, there is a six month waiting period if you need to get the basic ones and a 12 month waiting period for the major ones. Keep in mind that it is possible for the waiting periods to be waived with proof of prior dental insurance.

From the information above, Aetna is surely one of the things that is worth considering. The reason why Aetna should be chosen is because it has more than 120,000 providers, which tops the list and is ahead of its competitors. With a wide network, it will be easier for you to find the right dentist in your area. If you are still confused whether to choose it or not, here is the summary of the advantages and disadvantages of Aetna.

Advantages:

    • It has the largest provider network with 120,000 providers.
    • There is no waiting period for preventive services.

Disadvantages:

    • There is a 6 month waiting period for basic services such as fillings and extractions.
    • There is limited coverage in Massachusetts.
    • The plan options are limited.

So, do you agree that Aetna dental insurance for seniors is the best one? If the answer to the question is yes, it is time for you to purchase one of them. If you are interested in Aetna PPO plans, you can purchase them online via the Aetna Dental Direct website. If you prefer discounts, you can choose Aetna Vital Savings that offer two discount plans, which costs $7.99 per month for an individual or $10.99 a month for a family coverage and $9.99 a month for individuals and $12.99 per month for families.

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