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Aetna Dental® Direct Preferred PPO

Keep your teeth healthy and strong with Aetna Dental Direct Preferred PPO. With this affordable dental insurance plan, your preventive treatment is covered at 100%. That means no out of pocket costs for basic checkups, cleanings, x-rays and other cavity-preventing procedures from any of the more than 420,000 dental providers* in the Aetna Dental PPO network.
  • Basic services are covered at 80% with in-network providers (after deductible)
  • Major services are covered at 50% with in-network providers (after deductible)
  • Waiting periods for basic and major care waived with prior dental insurance
  • No waiting periods for preventive services
  • See any dentist, but you’ll save more if you stay in network

Annual Deductible $50 Per Person $150 Per Family, per calendar year

Annual Maximum Benefit $1,250 per covered person

Plans starting1 from

Discounted Price$436.20 /Year

Pricing varies by
zip and age.

Aetna Dental has over 60 years of experience offering dental benefits. With Aetna Dental Direct, you’ll get the coverage you need to keep your teeth healthy. The plan offers preventive treatment at 100% with no out of pocket cost. You can choose from one of the more than 420,000* dental providers nationwide. Caring for your teeth should never feel out of reach with Aetna Dental Direct.

  • 100% coverage for preventive services when you see an in-network dentist
  • No waiting periods for preventive services
  • Basic services covered at 80% with in-network providers (after deductible)
  • Major services covered at 50% with in-network providers (after deductible)
  • Waiting periods* for Basic and Major services waived with prior dental insurance

*Based on January 2023 Aetna provider data
**Out-of-network benefits vary by state and are subject to certain charge limits. You may be balance billed by out-of-network dentists — up to the dentist’s standard fee.
Deductible and annual maximum amounts cross-apply between in network and out of network. Deductible applies to basic and major services only.

Annual Maximum

This is the total amount per person your plan will pay toward the in-network cost of dental care each year.

  • $1,250 per enrollee on the plan

Deductible For Covered Services

  • $50 individual / $150 family per calendar year

Waiting Periods

  • After 6 months of continuous coverage under the PPO Plan: Resin filling (1 surface), periodontal maintenance cleanings, extraction (uncomplicated).
  • After 12 months of continuous cover under the PPO Plan: Oral surgery, crowns, root canal therapy, and dentures.
  • Waiting period is waived if all family members enrolling had dental coverage within the past 90 days
  • In Pennsylvania, the “waiting period” is called an “elimination period” and most Basic services have one month waiting period.

Choose any dentist

See dentists both in and out of our network. With our dental insurance plans for individuals, you can get services from either a participating or nonparticipating dentist. Participating dentists have agreed to provide services at a negotiated rate for covered services. You also have the flexibility to visit a licensed dentist who does not participate in our network. However, if you do this, you won’t benefit from negotiated rates.

Plan Highlights

Aetna Dental Direct Preferred PPO
Here is a sample of covered services In-Network
You Pay
Preventive services – Waiting period*: None
Preventive oral examinations No Cost
Cleanings No Cost
Full mouth series images No Cost
Sealants (permanent molars only) No Cost
Basic services – Waiting period*: 6 months
Resin filling (1 surface) 20%
Periodontal maintenance cleanings 20%
Extraction (uncomplicated) 20%
Major services – Waiting period*: 12 months
Oral Surgery 50%
Crowns 50%
Root canal therapy 50%
Dentures 50%
Orthodontics not covered
Deductible (calendar year)** $50 (Individual) | $150 (Family)
Annual maximum benefit** $1,250
**Deductible and Annual Maximum cross-apply between In-Network and Out-of-Network. Deductible applies to Basic & Major services only.
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