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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. So we offer several types of dental benefits and insurance plans and programs. Some coverage is through an employer. You may be able to purchase other coverage directly from us. Whatever you choose, you'll have access to one of the largest networks of dental care providers in the country.

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Shop for a plan

We offer dental insurance directly to individuals in five states: Alaska, Arizona, Delaware, Illinois and Pennsylvania.

Buy a dental plan from us >


Dental plan types

Dental Maintenance Organization (DMO®)

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

Find a primary-care dentist in an Aetna DMO plan >

Read more about dental coverage we offer through employers >

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

You can visit any dentist through a PPO or PDN insurance plan, but you'll enjoy lower costs if you choose an in-network dentist. There is never a need for a referral.

Find a primary-care dentist in an Aetna PPO or PDN plan >

Read more about dental coverage we offer through employers >

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Vital Savings By Aetna® Discount Program

With our discount program, you can choose from more than 131,000 available dental practices nationwide1 and make an appointment. After you see the dentist, show your discount card and you'll get instant savings - 15 percent to 50 percent off the cost of most services.* (Not available in Montana or Vermont.)

You can purchase a discount card online, by mail or by phone. Rates start at $7.99 a month.

Buy a Vital Savings discount card >

1According to the Aetna enterprise database as of April 1, 2013.
*Actual costs and savings vary by provider and geographic area.

The Vital Savings by Aetna® program (the "Program") is not insurance. This program does not meet the Minimum Creditable Coverage requirements in Massachusetts. It provides members with access to discounts at certain health care providers for medical and dental services. These discounts are discounted fees according to schedules negotiated by Aetna Life Insurance Company for the Vital Savings by Aetna discount program. The range of discounts provided under the Program will vary depending on the type of provider and type of service received.

The Program does not make payments directly to the participating providers of medical and dental services. Each member is obligated to pay for all services or products but will receive a discount from those health care providers who have contracted with the Discount Medical Plan Organization to participate in the Program. Aetna may receive a percentage of the fee you pay to the discount vendor. Aetna Life Insurance Company, 151 Farmington Avenue, Hartford, CT 06156, 1-877-698-4825, is the Discount Medical Plan Organization.

Oklahoma form numbers for discount programs are: GR-96402-02 04-09

**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.

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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.

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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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