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Aetna Dental

Aetna, Inc. (www.aetna.com) is a diversified health-care benefits company that provides a variety of traditional and consumer directed health care insurance products and related services. The company’s products and services include medical, pharmacy, dental, behavioral health, group life, long-term care, and disability plans, and medical management capabilities. Founded in 1850, it is registered with the NYSE and now employs more than 27,000 people. In 1996, Aetna sold its property-casualty division to Travelers and also decided to merge with U.S. Healthcare. The company subsequently changed its name from Aetna Life & Casualty to Aetna Inc. Aetna had earned an excellent 100% score on the Human Rights Campaign Corporate Equality Index in 2002, and retained this rating in 2003 and 2004 as well.

Aetna covers health care, dental, pharmacy, group life, disability, and long-term care insurance and employee benefits. Aetna’s revenue, operating income and net income were $22.491 billion, $2.670 billion and $1.634 billion respectively in 2005. The company can boast of about 15.4 million medical members, 13.3 million dental members, 10.1 million pharmacy members and 13.0 million group insurance members. It has a nationwide network of over 735,000 health care professionals, including more than 437,000 primary care and specialist doctors and 4,373 hospitals. Aetna benefits can be had through employers in all 50 states, with products and services designed specifically for small, mid-sized and large multi-site national employers. Aetna also serves individuals and Medicare beneficiaries in certain markets.

Aetna’s dental plans cater to the needs of millions of customers with a wide range of products and plans. The range of products is different in different states, but in most states there are plans available which allow customers to see any licensed dentist, regardless of whether or they belong to a provider list or not.

Some plans, the Dental Maintenance Organization (DMO®) being one of them, are designed to maximize benefits and services available to the customer and require him/her to choose a primary care dentist from Aetna’s provider list. Armed with such a freedom of choice with PPO plan, a customer is able to switch between a DMO plan, where they see only a primary care dentist, to a PPO, where the customer can choose any dentist from their provider list in the event of a special need. Another primary Aetna dental product is their Dental Access product. Aetna Dental Access® is a discount or reduced-fee dental program designed for consumers who are keen on maintaining their oral health and minimizing their dental care expenses.

Aetna offers a number of products only through an employer. However, Aetna offers one particular product directly to individuals and families, which is called Vital Savings. Vital savings is not an insurance plan; it is more like a discount card allowing the customer to receive discounted rates on services and prescriptions. Since it is not an insurance plan, it carries fewer membership conditions, such as pre-existing condition exclusions or referrals to see specialists. With the Aetna Advantage Dental Plan, you have to pay office visit co-pay when you visit your participating primary care dentist for most preventative and diagnostic services. You get other services such as crowns, root canals and orthodontics at a reduced cost.

 

 

 

 

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