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They don't give a plastic card like every other insurance provider. The medical providers available in network are subpar. This service is a scam to collect your money and provide less than acceptable medical care.
Dental insurance usually pays for two checkup/cleanings a year, and Aetna promises the same. About 15 years ago, I had to have periodontal (gum) surgery in which they grafted gum tissue from the roof of my mouth down to my bottom, front teeth. Ever since then, I take one of the two checkup/cleanings at my periodontist and one at my regular dentist. They each do the same thing. They clean and check my teeth for problems. The only difference is that they both also measure my gums for shrinkage.
My dental insurance has always paid for these visits as one of my regular free checkup/cleanings. There has never been a problem ever since -- until now. Even though it too promises two checkup/cleanings a year, Aetna dental insurance wants me to pay a $100 deductible, having decided that a "periodontal checkup" is not the same thing as a free "prophy checkup." Why? So they can weasel their way out of paying for the checkup/cleaning I need. I called Aetna, but they stand by their unjust reading of their magical coding policy while charging an exorbitant $60 a month fee to the customer and providing nada.
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Aetna only does business with one endodontist in my area called Lovett Dental. This company has a horrible reputation. When I went to aetna's website to find other providers I was given a list of out of network providers all of which were at least a hundred miles from my location. I have messaged their Facebook page (https://www.facebook.com/aetna/) and emailed them (email@example.com). Alyssha claims to have sent me three different response emails but all I received was a link (http://www.aetna.com/aboutaetna/safeguard_data.htm) which prompts me to login then takes me to the main page and provides no information. In short, aetna's coverage is **,, its employees incompetent or indifferent and its provider scraped from the bottom of the barrel.
If you can avoid choosing this horrid company for your dental plan - do ti! I had no choice and just hung up from 14th (yes, fourteen calls) for trying to get a claim paid that I actually bothered to get a authorization for. I get that insurance companies deny claims hoping that people get frustrated and go away as I worked for one - but 14 times it should be pretty clear that I was not going away. This company is a joke, truly the state insurance oversight agencies should fine them or not allow them to operate. The only business that you pay with the expectation of NOT receiving that you paid for. I think I am passing on dental insurance if it is Delta and just paying out of pocket as my time is more valuable than anything this horrid company may or may not cover.
I have never seen an insurance company spend so much time on not paying claims as Aetna Dental. They first ask the dentist to send in excessive information multiple times. Then they deny. Then you appeal, can get no status online and after months get a letter stating they stay with their original decision. My latest was I retired and took Cobra and had Aetna. When Cobra ran out I took Aetna Individual. Their latest reason for not paying was the first part of my work was done under a different insurance. Even after sending them documentation they still denied. I am now working with the insurance commissioner in FL to get help.
I have spent hours on the phone tracking my dental claims. Aetna's Dental processing department is truly incompetent. They will send your reimbursement to your provider when the claim clearly reflects the customer's receipt; lose the claim (even though included with a claim already processed); refuse to provide a person (supervisor's name); and separate a fax and claim they didn't receive it. I am ready to find a more efficient and effective insurance carrier.
Aetna has no problem accepting my premium payments, but when it is time for them to pay out on a claim they have lots of issues and delayed. First they claimed that Aetna is the secondary insurance and will not make a payment on a claim submitted to another insurance company. This required several phone calls with Aetna to establish the fact that they are the primary insurance company. But....once that was solved, Aetna then informed me that the services were performed before the policy was in effect. Now I need to prove to them that the policy was in effect 4 years before the procedure occurred. I have discussed this situation with several representatives who have each told me that they would fix it within a week. And yet, it has not yet been fixed.
Paying out phantom billing claims and believe the dentist even though evidence is showing the customer is right. Just got a email from the dentist. They made a mistake 8 months later. I have to correct Aetna's mistakes?
This is by the far the WORST dental insurance plan I have had in my life. I'm not only paying more per month (with employee) but the coverage is ridiculous. I just paid 1200$ for a root canal. What is the purpose of having this insurance. The last root canal I had cost about $550 and I paid about $10 amount. With Aetna I pay $30 a month. Oh trust when it's time to renew benefits. I'm letting HR know that AETNA needs to go. If you're looking for major dental surgery, please go with someone else.
Aetna Dental Insurance is awful. My daughter desperately needs to have oral surgery (wisdom teeth) but Aetna does NOT fully cover anesthesia. That's terrible! What's worse, Aetna only covers 50% of anesthesia at 15 minute intervals. The grand total cost to me for my daughter's procedure WITH Aetna coverage is a whopping $2,650!
Aetna Dental Insurance author review by Cyril Tuohy
Aetna Dental Insurance, part of Aetna Health Inc. stresses that dental care is a vital part of overall health, and thus aims to offer flexible coverage for any budget. The company itself dates back to the 1850s and is one of the largest insurance companies in the U.S. A merger with Humana is pending.
A large network: Thanks to Aetna's extensive network, the company provides dental insurance to nearly 15 million people.
Any scale: From individuals and families to small businesses, large organizations and retirees, Aetna has dental insurance products to suit them all.
Plans for any stage: Aetna personalizes its plans for students, retirees, young professionals, children and other individuals.
Great discounts: Being an Aetna policyholder can mean discounts between 15 and 50 percent for dental care services under the Vital Savings by Aetna program.
Clear information: Aetna displays info on claims, dentists, bills and more neatly on its app and website.
Standalone dental: Offered only in Alaska, Arizona, Delaware, Illinois and Pennsylvania.
Aetna Dental Insurance Company Information
- Company Name:
- Aetna Dental Insurance