Complete Provider Freedom

See Any Licensed Dentist Nationwide

With Aetna Dental Flex plans, you never lose coverage if you switch dentists. Stay with your trusted family practitioner or maximize discounts in the Aetna Dental Administrators network.

Check Provider Network in Your Area

Enter your zip code to preview the density of in-network dentists participating under Aetna Dental Administrators contracted rates.

Option 1: In-Network

Aetna Dental Administrators Network

Contracted discounted fee schedules (average 20% to 40% below usual rates).
Dentist files claims directly on your behalf — zero paperwork hassles for you.
No balance billing for covered services beyond your copay/coinsurance share.

Total Provider Flexibility

Out-of-Network Freedom

Visit ANY licensed dentist in the United States with Option 1 (up to $5,000), Option 2 (up to $4,000), or Option 3 (up to $3,000).
NO WAITING PERIODS: Day 1 coverage for preventive, basic, major care, and implants.
Aetna pays based on standard recognized dental charges (MAC fees).

Official Aetna / Careington Benefit Illustration

Dental Savings Example: In-Network vs. Out-of-Network

See the exact figures published by Aetna and plan administrator Careington showing how pre-negotiated network discounts compound with your insurance benefits to slash out-of-pocket costs from $3,698.70 down to $706.70 on the same $4,400 of dental work.

Total Billed Charges

$4,400.00

Filling + Crown + Root Canal

Out-of-Network Patient Pays

$3,698.70

Member owes balance billing

In-Network Patient Pays

$706.70

You Save $2,992.00 (81% Less)

Recommended

In-Network (Participating Dentist)

Patient Pays $706.70

Service	Billed	In-Net Disc.	Allowed*	Paid %	Plan Pays	Ded.**	You Pay
Filling	$400.00	-$259.00	$141.00	80%	$112.80	$0.00	$28.20
Crown	$2,000.00	-$1,327.00	$673.00	50%	$311.50	$50.00	$351.50
Root Canal	$2,000.00	-$1,346.00	$654.00	50%	$327.00	$0.00	$327.00
TOTAL	$4,400.00	-$2,932.00	$1,468.00	—	$751.30	$50.00	$706.70

*In-Network C#06 contracted schedule.

**Year 2 of the plan, $50 annual deductible. In-network provider cannot balance bill.

Provider Freedom

Out-of-Network (Any Licensed Dentist)

Patient Pays $3,698.70

Service	Billed	Allowed*	Paid %	Plan Pays	Ded.**	You Pay
Filling	$400.00	$141.00	80%	$112.80	$0.00	$287.20
Crown	$2,000.00	$673.00	50%	$311.50	$50.00	$1,738.50
Root Canal	$2,000.00	$654.00	50%	$327.00	$0.00	$1,673.00
TOTAL	$4,400.00	$1,468.50	—	$751.00	$50.00	$3,698.70

*Out of Network allowed amounts based on MAC fees.

**Year 2 of the plan, $50 deductible. Member is responsible for the difference (balance billing).

Why the difference? Both options pay the identical insurance benefit ($751.30 vs $751.00). In-network providers discount their total fees first (reducing $4,400 to $1,468) and are legally contracted not to balance bill you for the difference.

Vision & Hearing Provider Access

Vision Hardware & Exams

Use your annual vision allowance ($200 to $300 depending on plan) at independent optometrists or major optical retailers including Pearle Vision, LensCrafters, Target Optical, and online eyewear providers.

Audiology & Hearing Aids

Use your annual hearing allowance ($500 to $1,000 depending on plan) for hearing screenings, fittings, and modern digital hearing aids through licensed audiologists and hearing aid specialists.