aetna senior supplemental timely filing limit

AETNA SENIOR SUPPLEMENTAL TIMELY FILING LIMIT FULL

Waiting period: 90 days, unless everyone in your plan has been covered for the last 90 days. PlanĪfter the deductible, you pay 20 percent for basic services and 50 percent for significant services. The chart below provides an overview of each plan, its benefits, deductible, and costs. When your mouth has less saliva, you’re more likely to get cavities.Īetna offers two PPO insurance plans and two discount plans you can select from to cover your dental needs. Chronic Disease: Most older adults take prescriptions and over-the-counter medicines, which can cause dry mouth.Symptoms include painful and persistent mouth sores and pain, difficulty swallowing, and sore throat. Cancer of the Mouth: Oral cancer is most common in adults over 40.Without treatment, it often leads to pain, soreness, and even tooth loss. Its most severe form, periodontitis, can be far more severe. In its mildest form, gingivitis, it can be treated by regular brushing and flossing. Gum Disease: Of all adults over the age of 65, two in three have gum disease.Dentures: Unfortunately, missing teeth or dentures can impact your overall nutrition, as people without teeth tend to gravitate toward softer, more chewable food rather than fresh fruits and veggies.Tooth Loss: Nearly 20 percent of adults over age 65 have lost all their teeth and require dentures.Tooth Decay/Cavities: Close to 100 percent of older adults 65 and older have had a cavity, and one in five currently have untreated tooth decay.According to the Center for Disease Control (CDC), older adults experience five primary oral health issues: However, if you simply want to lower your preventive and routine care costs, a discount card might be your best bet.Īs I previously mentioned, aging can be dangerous for our oral health. In short, older adults who need major work done that totals less than an insurance plan’s benefit maximum may find value in choosing an insurance plan so might those who already have a long history of dental problems. Instead, they provide you with 10 to 60 percent discounts on expenses with participating dentists. Unlike insurance, discount plans never pay dental costs for you. Insurances may require a waiting period for all coverages or certain types of coverage, so you must read the fine print on any plan you select. After your deductible is met, your insurance pays all or a set percentage of your covered dental expenses until you meet your benefit maximum for the year.

Similar to health insurance, dental insurance requires that you pay a monthly premium. Whether you select dental insurance or a discount plan should be based on your specific needs and dental history. If you know you’re entering a life stage where oral issues are more common, be smart, and secure some type of savings for your dental needs.īoth dental insurance and discount plans can be valuable for reducing your total dental costs.

AETNA SENIOR SUPPLEMENTAL TIMELY FILING LIMIT FULL

I’ve had a couple of dental visits where the bill left me in shock, so I can say from experience, it's not worth paying full costs when you don’t have to. I like to think about it this way: you’ll typically save what you pay yearly in insurance premiums after a few cavity fillings or a single crown or root canal. Insurance usually costs slightly more, an average of $350 annually for adults. While insurance or a savings plan will cost you a small sum up front, you will likely save more than you pay yearly for a discount card after two basic cleanings. A dental insurance or discount savings plan can do that.Įven if you intend to take your chances with fundamental and restorative dental issues, you may, at the very least, want a means of lowering your out-of-pocket expenses for preventive and routine care.

Best Prescription Discounts for SeniorsĬonsidering the increased probability of oral problems in older adults and the rising costs of care, you’ll likely want a way to cut down on dental fees.

Aetna senior supplemental timely filing limit