Two Great Dental Insurance Plans
Aetna Individual Advantage Dental has two plans to meet your needs – the Aetna Individual AdvantageSM Dental PPO Plan and the Aetna Individual AdvantageSM Dental PPO Plus Plan. They both offer coverage for:
- Preventive care services such as cleanings, x-rays and more
Basic care such as fillings, simple tooth pulling, root canals,
basic restorative work and more
- Major services such as bridges, crowns, dentures and more
Choose any dentist
You can visit a dentist in the Aetna network (known as a participating or in-network dentist). You can also visit a dentist who is not in the network (known as a nonparticipating or out-of-network dentist).
Save money when you stay in-network
You generally pay less for services when you visit in-network dentists because the percentages you pay for the care you receive are based on discounted rates. It is easy to find a network dentist in your area. Visit our online DocFind® directory. Participating dentists may offer discounted rates on additional services such as tooth whitening. Discounts for non-covered services may not be available in all states.
In-network dentists accept the negotiated fee in full, but out-of-network dentists generally do not. This means you will pay more for their services. The dentist may bill you to make up for the difference between their standard fee and what your plan pays.
Monthly premium costs
The cost of these plans (your monthly premium) will vary based on your ZIP code in Illinois.
What’s different between the two plans?
The difference is the amount each plan pays for covered services. The tables below show the types of services covered and the percentage of those services paid by each plan.
Keep in mind: What the plan pays for covered out-of-network services is a percentage of the negotiated rate with in-network dentists in your area – not a percentage of the standard fee charged by out-of-network dentists.
Dental services covered and amount paid by plan:
Above list of covered services is representative.
*Out-of-network coverage is limited to a maximum of the plan’s payment, which is based on the negotiated, contract rate for in-network providers in a particular geographic area.