Frequently Asked Questions

No, all offered plans are dental savings plans – an established, affordable alternative to traditional insurance. Dental savings plans provide the flexibility and features preferred by people who find that standard dental insurance doesn’t fully meet their oral health needs.

Both can help you save money at the dentist. Typically, you might want to purchase Aetna dental insurance if you primarily need preventive care. An Aetna dental savings plan can be the right choice if you need restorative treatments to regain a healthy smile.

A deductible is the amount you pay out-of-pocket before your insurance starts to contribute. Co-pays are fixed amounts you pay for services at the time of your visit. Co-insurance is a percentage of the cost that you pay for a service after meeting your deductible, with the insurance covering the rest. Check specific plan details for specific information.

Dental insurance PPO plans have waiting periods, which means you need to wait a certain amount of time before you’re eligible for coverage for certain procedures, typically major restorative dental work.

Dental savings plans work like the American Automobile Association (AAA) does: you pay a low annual fee to access a network of professionals who offer reduced rates to members. Membership in a dental savings plan likewise allows you to access a network – in this case, of dentists – who offer reduced fees for a variety of dental procedures to plan members.

Dental savings plans typically activate very quickly, often within a few days of joining the plan. Once activated, you can start using the discounts for all dental services included in the plan. There are no waiting periods as you might find with traditional dental insurance plans.

Unlike traditional dental insurance there is no waiting period imposed for any of the treatments included in your plan, even the more complex procedures (such as root canals and crowns).

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You can use any of offered plan to reduce your out-of-pocket dental care costs once you’ve reached the annual maximum on your dental insurance plan. You cannot use your dental insurance and your dental savings plan for the same procedure, in accordance with insurance policy rules. Your dentist can, however, help you to coordinate treatment using both your savings and insurance plans.

No. You save directly at the dentist. There are no claims to file and no waiting for reimbursement.

No. You must see a participating dentist to receive the discounts associated with your Aetna Vital Savings plan.