No, all offered plans are dental savings plans – an established, affordable alternative to traditional insurance. Dental savings plans provide the flexibility and features preferred by people who find that standard dental insurance doesn’t fully meet their oral health needs.
Dental savings plans work like the American Automobile Association (AAA) does: you pay a low annual fee to access a network of professionals who offer reduced rates to members. Membership in a dental savings plan likewise allows you to access a network – in this case, of dentists – who offer reduced fees for a variety of dental procedures to plan members.
Typically, you can use your dental savings plan within 72 hours of plan purchase.
Unlike traditional dental insurance there is no waiting period imposed for any of the treatments included in your plan, even the more complex procedures (such as root canals and crowns).
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You can use any of offered plan to reduce your out-of-pocket dental care costs once you’ve reached the annual maximum on your dental insurance plan. You cannot use your dental insurance and your dental savings plan for the same procedure, in accordance with insurance policy rules. Your dentist can, however, help you to coordinate treatment using both your savings and insurance plans.
No. You save directly at the dentist. There are no claims to file and no waiting for reimbursement.
No. You must see a participating dentist to receive the discounts associated with your Aetna Vital Savings plan.