Aetna Dentist – San Ramon, CA

Keep Your Smile Healthy and Secure

Your at-home oral hygiene regimen is your first line of defense against painful oral infections that can cause permanent damage, but receiving regular care from a trained dental health professional is also a crucial part of keeping your smile healthy and strong. Dental insurance can be a fantastic way to reduce the cost of your dental checkups and restorative care, and the team at Gale Ranch Family Dental is proud to be in network with Aetna. Here’s a quick look at how Aetna benefits work and how our staff can help you get the most out of the coverage you pay for.

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Learn More About the Benefits of Aetna

Dental insurance plans are typically designed to encourage patients to seek preventive care that can help them avoid painful infections as well as the expense of treating them, which helps keep policyholders healthy and rates low. Your plan from Aetna probably looks something like this:

  • 100% coverage for preventive services such as routine checkups and cleanings and X-rays.
  • 80% coverage for minor restorative work like gum disease therapy and dental fillings.
  • 50% coverage for major restorative work like dentures and extractions.

Dental insurance plans do not usually provide coverage for cosmetic treatments since they are not medically necessary. Your policy may provide some coverage for orthodontic treatment, but it may only apply to dependents included in your plan.

Aetna Coverage Availability & Fees

Dental insurance policies work by charging policyholders a monthly premium. In return, policyholders receive coverage for a range of oral healthcare services that can help them stay healthy. HMO plans do not typically impose restrictions other than requiring patients to see providers who are in-network. PPO plans, on the other hand, usually allow patients to see any dentist they like, but they may impose restrictions like:

  • A waiting period before coverage takes effect.
  • A deductible that must be met before the plan starts paying for services.
  • An annual maximum that defines the greatest amount of money the plan can pay in a year.

The Benefits of Seeing an In-Network Dentist

If a PPO policyholder sees a dentist who is not in network with their insurance provider, they will probably still receive some coverage for their treatment. However, seeing a dentist who is in network can significantly reduce the cost of your treatment. An in-network dentist has negotiated prices with your insurance provider, which allows them to provide high-quality treatment at lower costs. The team at Gale Ranch Family Dental will be happy to help you navigate your plan and maximize your benefits when we see you at our office.