Do Medicare Advantage Plans from Aetna® Cover Routine Dental Services?
Why does it matter whether an Aetna Medicare Advantage plan includes routine dental services? Because keeping your teeth healthy with regular cleanings and exams is an important part of your overall health. Many people don’t realize that poor dental hygiene can lead to problems far more serious than just cavities. Dental health has been linked to a host of serious health issues, including oral infection and cardiovascular disease, according to the Mayo Clinic.
While dental care under Original Medicare (Part A and Part B) is limited, some Aetna Medicare Advantage plans include routine dental care. Learn more about Aetna dental coverage for Medicare plans.
Aetna’s dental services
Original Medicare doesn’t typically cover routine dental services. Medicare Part A covers some medically necessary dental services if you’re hospitalized. But in general, unless you have dental insurance, you’re responsible for costs for services like:
- Routine cleanings
- Dental exams
- Root canals
- Fluoride treatments
- Diagnostic services, such as X-rays
- Periodontal services
- Dental devices, such as dentures or dental plates
Are Aetna dental services included with Medicare Advantage coverage?
Your costs even for routine preventive services can quickly add up without adequate coverage. Fortunately, Aetna dental care is offered through some Medicare Advantage plans.
Medicare Advantage (Part C) is another way to get the same Part A and Part B benefits you’d have through the federal Medicare program. The difference is you’d get your Medicare coverage through a Medicare-approved private insurance company like Aetna. Some of Aetna’s Medicare Advantage plans offer extra coverage as well, which may include routine dental or vision services, wellness programs, and more.
Not all of Aetna’s Medicare Advantage plans include dental coverage, and costs may vary for this benefit. If you’re interested in finding a plan that covers dental care, check the Evidence of Coverage document for the Medicare Advantage plan you’re considering to make sure Aetna dental benefits are included.
How Aetna dental coverage works
Typically, Aetna dental benefits work in two ways:
- Provider networks: this option requires you to use certain providers for Aetna dental coverage. Some of Aetna’s Medicare Advantage plans, such as preferred provider organizations (PPOs), may let you use out-of-network providers for a higher cost.
- Allowance: this option gives you a set amount for Aetna dental services. You have the freedom to use any provider you like, and Aetna reimburses you up to that set amount. You’re responsible for expenses above the allowance.
Aetna dental coverage may help pay for preventive and diagnostic services, as well as dental procedures and supplies. However, the specifics of your Aetna dental coverage may depend on the type of Medicare Advantage plan you choose.
How much does Aetna dental coverage cost?
Aetna dental care is available through some Medicare Advantage plans, either as part of the plan premium or as an optional benefit at an added cost. Costs vary depending on which of Aetna’s Medicare Advantage plan options you’re considering, so be sure to review the details for that plan.
Remember that whether or not you decide to get Aetna dental coverage through your Medicare Advantage plan, you’ll keep paying the Medicare Part B premium, in addition to any premium required for the Medicare Advantage plan.
Find Aetna dental coverage through a Medicare Advantage plan
Ready to start browsing Medicare plan options that offer Aetna dental coverage? You can do so easily from this page by entering your ZIP code into the plan finder tool.
Aetna Medicare is a HMO, PPO plan with a Medicare contract. Our SNPs also have contracts with State Medicaid programs. Enrollment in our plans depends on contract renewal. Participating physicians, hospitals and other health care providers are independent contractors and are neither agents nor employees of Aetna. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change. See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area.
Out-of-network/non- contracted providers are under no obligation to treat Aetna members, except in emergency situations. Please call Aetna’s customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.