Secondary dental plans from Vativis (aetna)

What "No Waiting Period" Means

You activate the plan and can immediately utilize savings—on exams, cleanings, fillings, or even major treatments. No hold-ups.
Traditional dental insurance often requires 6–12 month wait before covering basic or major services. Plus you deal with deductibles and claims.

Plan Type	No Period?	Key Features
Dental Discount Plans (a.k.a. savings plans)	for all services	Use in-network providers, pay discounted rates directly—no deductibles or claims.
Dental HMOs/DHMO	Often	No annual caps, fixed copays, must see network providers.
Some PPO Insurance Plans	Partial	Preventive usually covered right away; major procedures often have waiting.

Immediate Access
- No delay—start regular cleanings, cavity fillings, or even dentures right when you sign up.
Budget-Friendly
- Discount spends ~$100–200/year and could saves–hundreds per procedure—like a $150 cleaning for $75.
Flexibility
- Great for single-time procedures, gap coverage, or if your insurance has already maxed out.
- Combine discount plan and insurance for optimal savings.
No Annual Caps
- Traditional insurance usually limits coverage ($1k–$3k/year), but discounts don’t impose caps.

Aetna Vital Savings Plan (powered by Aetna) offers 15–50% off across 160,000+ dental offices nationwide included with Mental Health + Telemedicine + RX for complete health benefits.
With a strong Aetna PPO network, Vativis users can pair discount savings with PPO dentistry perks like broader provider access.

You pay annual fee, no deductible, no claims hassle.
Savings stack: in-network dentist charge $200 for cleaning → you pay discounted 30–50% (~$100).

Need immediate or frequent services — like fillings, crowns, or cleanings? Discount plan = instant saving.
Out-of-pocket maximizers — no cap on discounts, so heavy-use = high value.
Insurance-limit runners — supplement insurance for major work once max reached.
Cost-conscious families — pediatric dental savings apply immediately with no delay.

Q: Can I use discount + insurance on same procedure?
A: Typically no—but you can use discounts once insurance max is hit.

Q: Are waiting periods really gone?
A: Yes! Discount and HMO plans activate within 72 hours or instantly.

Step 1: Evaluate dental needs this year—cleanings only? Major work?
Step 2: If you need cleanings, fillings, crowns now, skip insurance—go discount plan.
Step 3: Check if you've maxed out insurance benefits. If yes, add discount plan to continue saving.
Step 4: Enroll in Aetna-powered Vativis discount and unlock 15–50% off in a large network.