Here we will discuss two Supplemental Dental Insurance plans that can make your life a lot easier to take care of.
Supplemental dental insurance is a necessity for most people since their health insurance policies do not usually cover all of their dental care. To cover this important gap in health insurance the consumer can turn to two main providers, one private and the other a public entity. Aetna is a private entity that has the reputation of being one of the world’s largest providers of dental insurance. It offers a wide range of plans tailored to meet the needs of corporate employees as well as the general public. Medicare, on the other hand, does not provide dental insurance directly except in certain cases. Through its Medigap and Medicare Advantage policies, however, it can cover your dental health care completely.
One area in which Aetna excels is in the wide range of products available to their members, meeting the needs of employees, the self-employed and families. Another area is in the flexibility of their plans, allowing members to change to a different plan if the one they have does not meet their needs. The plans cover most of the normal dental care needs such as fillings, teeth-whitening, braces, crowns, bridges, cleaning as well as fluoride treatment.
One of the most popular plans is the Vital Access plan. Aetna members who subscribe to this plan can take advantage of the wide variety of dental care available. Family members can also be included in this plan for the payment of a slightly higher premium. The Dental Access Plan is another Aetna offering that provides the same type of dental care at roughly the same costs. Since there is no age limits for inclusion in this plan it is one of the most popular.
Even though Medicare can be a real boon to people over 65 and covers most of the general health needs of the elderly, there are gaps in its coverage with regard to supplemental dental insurance. It will not pay for routine dental care such as fillings, cleaning, fluoride treatment or other simple but vital treatments. If these procedures are a part of a medical intervention such as a kidney transplant, for example, where dental treatment is a vital pre-surgical necessity, only then will such treatment be covered.
If you turn 65 and are eligible for Medicare and your company pension does not cover dental insurance then you should use the Medigap or the Medicare Advantage Plan for your dental care needs. Ideally, you should use both policies to provide any additional dental insurance you may need.
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