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How to Maximize Your Aetna Dental Insurance Benefits

September 16, 2020

Filed under: Uncategorized — parkcitydentistry @ 6:38 pm
an older man looking at his smile in the mirror while visiting the dentist’s office

Are you an Aetna dental insurance policyholder? Do you know how your plan works or whether you are covered for a particular service? Knowing how your benefits work can go a long way in making sure you get the care you need and avoid losing thousands of dollars at the end of the calendar year. In this article, an Aetna dentist will provide further explanation as to what is included in your plan, how to use it, and ways to maximize your coverage to keep more money in your pocket as you say goodbye to 2020.   

Your Aetna Insurance: How it Works

When you enroll in an Aetna dental insurance plan, you agree to pay a monthly fee (premium) to gain access to an array of available benefits. Should you choose to see a dentist who is considered in-network with Aetna, you will discover that many of these services are significantly discounted. As a result, you will pay little or nothing at all to have your teeth checked and cleaned. Even if you require more extensive care, you will only pay the designated amount that is not covered by insurance, allowing you to keep more money in your pocket.

Your Policy: What is Included?

Like most Aetna policies, you can expect to enjoy a host of benefits that will save you money in the long run. Although not every plan is the same, a typical format might look like the following:

  • 80-100% Coverage for Preventive Services (i.e. dental checkups and cleanings)
  • 70-80% Coverage for Minor Restorative Services (i.e. dental fillings)
  • 50-70% Coverage for Major Restorative Services (i.e. dental crowns, root canal therapy, tooth extraction)

Because most dental insurance policies are designed to encourage individuals to pursue preventive care, you can expect to enjoy two regular dental checkups each year that cost you little to nothing at all. As a result, your teeth and gums will remain healthy year-to-year. However, when problems do arise, your Aetna insurance will be there to ensure you pay as little as possible because of these pre-negotiated fees and services.

How to Save Money: Ways to Maximize Your Plan

It is a fact that dental benefits do not roll over each calendar year. Instead, they expire at midnight on December 31. This means any balance you do not use that is part of your annual maximum is returned to the insurance company. Starting on January 1, your deductible and annual maximum accumulations are reset to $0.

If you want to avoid losing thousands each year and instead, get the most out of your policy, your dental staff can help you maximize your plan in the following ways:

  • Reminding you to schedule your second checkup and cleaning before the year is over. Not only will this minimize the potential for future problems, but it also allows you to take care of your smile right now without paying extra. Also, because of COVID-19, many dental insurance companies are waiving their rule of having to wait six months and one day before seeing your dentist for a second checkup. (You will want to contact your insurer to see if they are participating in this waiver.)
  • Scheduling any extensive treatments before the end of the year. This will allow you to use your annual maximum (possibly in full) and keep any remaining money from being returned to your insurance company. If necessary, your dental team may be able to spread out your treatments across calendar years to avoid paying any more than the allotted annual maximum.

If you have a dental insurance policy with Aetna, don’t let it go to waste. Take care of your smile today by talking to a member of your dental team about ways to maximize your plan.

About the Author
Dr. Cody Calderwood and his team at Park City Dentistry want you to take full advantage of your dental insurance benefits. Whether it is through preventive care or undergoing complex treatment that requires using your annual maximum, his qualified staff can help you maximize your plan and avoid losing valuable money at the end of the year. To avoid the potential of watching your benefits expire, visit our website or call (435) 649-4343 to find out how you can get the most out of your Aetna dental insurance.