- Aetna sells Medicare Advantage (Part C) Plans.
- Most Aetna Medicare Advantage plans include Aetna Medicare dental coverage.
Dentists recommend routine checkups and cleanings every six months so you can monitor and maintain your dental health. Aetna Medicare dental coverage, including regular checkups, is part of most Aetna Medicare Advantage plans.
Aetna Medicare dental benefits will depend on the plan. Most will provide preventive dental care with little or no cost.
If you visit an in-network dentist, they’ll bill Aetna directly. When you access out-of-network care, you’ll pay upfront and submit a claim with reimbursement up to your plan’s yearly allowance for dental services.
Aetna Medicare dental coverage may include:
- two routine oral exams per year
- two routine dental cleanings per year
- bitewing X-rays once per year
- root canals
- tooth extractions
- dentures or partials
- oral hygiene tips
Along with these benefits, Aetna Medicare dental coverage is the same as original Medicare, which includes dental services provided in a hospital, such as after a facial injury or due to oral cancer.
Aetna Medicare dental coverage varies depending on the plan you have, so read your plan’s evidence of coverage to find out exactly what dental services they offer and check the copays for these services. If your policy doesn’t include dental coverage, you can add an optional supplemental benefit to get it.
Your costs for a Medicare Advantage plan vary based on your zip code and the individual plan you choose.
Here are examples of the costs for Aetna Medicare Advantage plans that include dental in several cities.
Sample costs for Aetna Medicare Advantage plans with dental
|City||Aetna Medicare Advantage plan with dental||Monthly premium (Aetna plan only)||Out-of-pocket maximum|
|Richmond City, VA||Aetna Medicare Select Plan (HMO)||$0||$5,400 |
|Aetna Medicare Value (PPO)||$0||$10,000 |
(in and out of network
|Aetna Medicare Plus Plan (PPO)||$0||$10,000|
(in and out of network
|Aetna Medicare Premier Plan (HMO)||$0||$5,500 (in network)|
|Aetna Medicare Choice Plan (PPO)||$15||$10,000|
(in and out of network)
|Aetna Medicare Elite Plan (HMO)||$0||$5,400|
|Aetna Medicare Value Plan (HMO)||$0||$5,900|
|Aetna Medicare Choice Plan (PPO)||$31||$10,000|
(in and out of network)
|Aetna Medicare Select Plan (PPO)||$61||$10,000|
(in and out of network)
To enroll in an Aetna Medicare Advantage plan, all you’ll need is your original Medicare number. You can sign up for original Medicare during your initial enrollment period, which starts three months before your 65th birthday.
You may also be eligible for Medicare if you’re a younger adult with a chronic illness or a permanent disability. Original Medicare enrollment goes through Social Security. You can enroll in original Medicare parts A and B by filling out a form online or visiting the nearest Social Security office.
Once you have your original Medicare number, you can enroll in an Aetna Medicare Advantage plan. Plan availability changes by state. To see which plans are available in your area, visit the Medicare plan finder tool and enter your zip code. Read more about each plan to find out what dental services they offer, and check yearly allowances, copays, and monthly premiums.
When you’re ready to enroll, fill out an application form online to join an Aetna Medicare Advantage plan. You can also register by phone at 855-335-1407, weekdays between 8:00am and 8:00pm.
What are the different parts of Medicare?
Medicare is divided into a few “parts.” Each part of Medicare covers different healthcare needs. Currently, the parts of Medicare include:
- Medicare Part A. Medicare Part A is hospital insurance. It covers you during short-term, inpatient stays in hospitals and for services like hospice. It also provides limited coverage for skilled nursing facility care and select in-home services.
- Medicare Part B. Medicare Part B is medical insurance that covers everyday care needs like doctor’s appointments, therapist visits, medical equipment, and urgent care visits.
- Medicare Part C. Medicare Part C is also called Medicare Advantage. These plans combine the coverage of parts A and B into a single plan. Medicare Advantage plans are offered by private insurance companies and are overseen by Medicare.
- Medicare Part D. Medicare Part D is prescription drug coverage. Part D plans are stand-alone plans that cover only prescriptions. These plans are also provided through private insurance companies.
- Medigap. Medigap is also known as Medicare supplement insurance. Medigap plans help cover the out-of-pocket costs of Medicare, like deductibles, copayments, and coinsurance amounts.
Does original Medicare provide dental coverage?
Original Medicare does not provide coverage for routine dental care like oral exams and dental cleanings. Medicare Part A will offer benefits to cover specific dental procedures.
If you need dental care due to an injury or illness, original Medicare may pay for it. They may cover treatment for oral cancer, or surgery to reconstruct a fractured jaw after an accident, as well.
Does Aetna cover dental care?
Aetna Medicare dental coverage is part of most Aetna Medicare Advantage plans. They include routine dental exams and cleanings every six months. Coverage options may vary between policies, so read theplan’s evidence of coverage before enrolling in a new plan.
Can I add dental to my Aetna health insurance?
Most Aetna Medicare Advantage plans include dental coverage. If you need additional dental services, you can add an optional supplemental benefit. These additional policies offer primary preventive dental care or comprehensive services such as orthodontics or dentures.
You can tack on these other benefits to your Advantage plan premium and then pay for everything in one convenient bill.
When can I apply for a Medicare Advantage plan?
If you’re planning to enroll in Medicare Advantage, you’ll need to know several enrollment deadlines and dates:
- Initial enrollment period. This is a 7-month window around your 65th birthday when you can sign up for Medicare. It begins 3 months before your birth month, includes the month of your birthday, and extends 3 months after your birthday. During this time, you can enroll for all parts of Medicare without a penalty.
- Open enrollment period (October 15–December 7). During this time, you can switch from original Medicare (parts A and B) to Part C (Medicare Advantage), or from Part C back to original Medicare. You can also switch Part C plans or add, remove, or change a Part D plan.
- General enrollment period (January 1–March 31). You can enroll in Medicare during this timeframe if you didn’t enroll during your initial enrollment period.
- Special enrollment period. If you delayed Medicare enrollment for an approved reason, you can later enroll during a special enrollment period. You have 8 months from the end of your coverage or the end of your employment during which to sign up without penalty.
- Medicare Advantage open enrollment (January 1–March 31). During this period, you can switch from one Medicare Advantage plan to another or go back to original Medicare. You cannot enroll in a Medicare Advantage plan if you currently have original Medicare.
- Aetna offers dental plans as part of their Medicare Advantage plans.
- Medicare Advantage dental plans usually cover both preventive and restorative dental care.
- If you qualify for Medicare Advantage, you qualify for dental coverage if they offer it.
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