Dental Insurance

We offer a wide variety of dental insurance plans and programs to fit your lifestyle.

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Dental plans and programs for everyone

We want to make your dental care easy and affordable. Depending on where you live, you may have access to a broad and diverse range of affordable dental insurance plans and programs. Plus, you'll have access to one of the largest networks of dental care providers in the country.

Little boy and little girl brushing their teeth Little boy and little girl brushing their teeth

Aetna ValuePass® Card

You can get 15 percent to 50 percent off the average retail cost of dental services with Aetna ValuePass1. This prepaid MasterCard®  gives you access to our nationwide network of dental services at discounted rates.*

Learn more about ValuePass

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Vital Savings Dental ProgramSM

Simply choose from more than 131,000 available dental practices locations nationwide2 and make an appointment. After you see the dentist, show your ID card and you'll receive an instant discount.**

Learn more about Vital Savings

Dental plan types

Dental Maintenance Organization (DMO®)

A lower-cost dental benefits and insurance plan that gives you cost-effective care through a primary care dentist.***

Preferred Provider Organization (PPO)**** or Participating Dental Network (PDN)

You can visit any dentist but you'll enjoy lower costs if you choose one who participates in our network. There is never a need for a referral. Dental insurance plans are underwritten and/or administered by Aetna Life Insurance Company (Aetna).

Other dental plans

Enjoy the freedom to visit any licensed dentist, anywhere in the country. No need to choose a primary care dentist. There is never a need for a referral.

*The Aetna ValuePass (SM) program (the "Program") is NOT insurance.
This Program does not meet the Minimum Creditable Coverage requirements in Massachusetts. The Program provides cardholders with access to discounted fees pursuant to schedules negotiated by Aetna Life Insurance Company ("Aetna"), 151 Farmington Avenue, Hartford, CT 06156, 1-888-215-6578, with dental providers (the "Aetna ValuePass Participating Providers") in the Aetna Dental Access (R) network. Aetna is the Discount Medical Plan Organization. Your Card may be used at any dental provider, but you will only receive discounted fees at Aetna ValuePass Participation Providers. The range of discounts provided under the Program will vary depending on the type of Aetna ValuePass Participating Provider and type of services received. The Card provides payments directly to the providers accepting payments using the funds on your Card. In order to receive a discount, you must use the Card to pay for services or products furnished by the Aetna ValuePass Participating Providers. Oklahoma form numbers for discount programs are: GR-96402-02 04-09.

**Aetna may receive a percentage of the fee you pay to the discount vendor. Vital Savings by Aetna is not available in Vermont or Montana. Vital Savings by Aetna provides participants with access to a network of independent practicing providers. The availability of a particular provider cannot be guaranteed and provider network composition is subject to change. Aetna does not provide dental, medical, vision or other health care/treatment and is not responsible for outcomes. All care is the responsibility of the treating provider, in consultation with the participant. Selection of a program provider is also the responsibility of the participant and is not based on any representations by Aetna. Program providers are solely responsible for the products and services they provide. Aetna does not endorse any vendors, products or services associated with this program. The non-dental discounts are rate-access programs. Aetna does not recommend the self-management of health problems, nor do we promote any particular form of medical treatment.

***State laws vary with regard to out-of-network benefits. In Illinois, DMO plans provide limited out-of-network benefits. However, in order to receive maximum benefits, members must select and have care coordinated by a participating primary care dentist. Illinois DMO is not an HMO.

Aetna Life Insurance Company, Aetna Dental Inc., Aetna Dental of Califorina Inc., Aetna Health Inc. and/or Aetna Life Insurance Company (Aetna). Each insurer has sole financial responsibility for its own products.

****Discounts for non-covered services may not be available in all states.

Legal Statement
Disclaimer Information on this website is provided "AS IS" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. The data set forth herein is for informational purposes only, and no warranty is made that the information is error-free. Please note that once you leave this site or arrive at this site from another non-Aetna location, either by using a link we may have provided for your convenience or by specifying your own destination, Aetna accepts no responsibility for the content, products and/or services provided at these non-Aetna locations. Aetna does not control, endorse, promote or have any affiliation with any other website unless expressly stated herein.

Limitation of Liability

Changes to This Site
Information may be changed or updated without notice. Aetna has no obligation to update information presented on this website, so information contained herein may be out of date at any given time. Aetna may also make improvements and/or changes in the products and/or programs described in this information at any time without notice.

Forward-Looking Statements
Certain information related to financial and operating performance contained on this website is forward-looking. You should consider forward-looking statements to have been made only as of the date of their original publication. Those statements, while included on this website for historical reference, have not been updated. Further, that information is based on management's estimates, assumptions and projections, and is subject to significant uncertainties and other factors, many of which are beyond Aetna's control. Important risk factors could cause actual future results and other future events to differ materially from those currently estimated by management, particularly the implementation of health care reform legislation and changes in Aetna's future cash requirements, capital requirements, results of operations, financial condition and/or cash flows. Health care reform will significantly impact our business operations and financial results, including our medical benefit ratios. Components of the legislation will be phased in over the next six years, and we will be required to dedicate material resources and incur material expenses during that time to implement health care reform. Many significant parts of the legislation, including health insurance exchanges and the implementation of medical loss ratios, require further guidance and clarification both at the federal level and in the form of regulations and actions by state legislatures to implement the law. As a result, many of the impacts of health care reform will not be known for the next several years. Other important risk factors include adverse and less predictable economic conditions in the U.S. and abroad (including unanticipated levels of or rate of increase in the unemployment rate); adverse changes in health care reform and/or other federal or state government policies or regulations as a result of health care reform, changes in health care reform or otherwise (including legislative, judicial or regulatory measures that would affect our business model, restrict funding for various aspects of health care reform, limit our ability to price for the risk we assume and/or reflect reasonable costs or profits in our pricing, such as mandated minimum medical benefit ratios, eliminate or reduce ERISA pre-emption of state laws (increasing our potential litigation exposure) or mandate coverage of certain health benefits); our ability to differentiate our products and solutions from those offered by our competitors, and demonstrate that our products lead to access to better quality of care by our members; unanticipated increases in medical costs (including increased intensity or medical utilization as a result of flu, increased COBRA participation rates or otherwise; changes in membership mix to higher cost or lower-premium products or membership-adverse selection; changes in medical cost estimates due to the necessary extensive judgment that is used in the medical cost estimation process, the considerable variability inherent in such estimates, and the sensitivity of such estimates to changes in medical claims payment patterns and changes in medical cost trends; increases resulting from unfavorable changes in contracting or re-contracting.

Health benefits and health insurance plans contain exclusions and limitations.


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