Is Aetna Vital Savings the same as Aetna Dental Savings?

Yes. Aetna Vital Savings is the consumer name for the dental-only discount card (aetnavitalsavings.com). Aetna Dental Savings is the same membership in our reviews. There is also a Dental Plus Rx card at a higher annual price; this page is about the dental-only plan.

How much does Aetna Dental Savings / Vital Savings cost?

Individual: $7.99/month or $75/year. Family: $10.99/month or $105/year. One-time $20 start-up fee. No couple tier — individual and family only. Administrator: Aetna Life Insurance Company. Figures from our Aetna plan JSON, verified July 2026.

When is Aetna Dental Savings not worth it?

Skip it if your preferred dentist does not participate, if you already have subsidized employer dental insurance, or if you will not use a dentist this year. A savings plan only discounts in-network visits; it does not reimburse out-of-network work.

Aetna vs Cigna dental savings — which is worth it?

Aetna is $7.99/mo with 262,000+ provider locations. Cigna Dental Savings is $8/mo equivalent ($96/year) with ~110,000 dentists and published fee schedules. Price is essentially a tie; network size and whether your dentist participates decide it. See the Cigna vs Aetna comparison.

Is the Aetna Dental Savings Plan Worth It?

Q: Is Aetna Dental Savings Plan worth it?

It can be, if your dentist is in the Aetna Vital Savings network. Individual membership is $7.99/month ($75/year) plus a one-time $20 start-up fee; family is $10.99/month ($105/year). Advertised savings are 15-50% at 262,000+ provider locations. It is a discount membership, not Aetna dental insurance. Confirm the dentist participates before you enroll.

By The Dental Savings EditorsReviewed August 20266 min readWe earn commission when you enroll. We don't get paid to rank plans.

Short answer

Aetna Dental Savings — sold to consumers as Aetna Vital Savings — is worth a look when your dentist is in-network. It costs $7.99/month ($75/year) for one person, $10.99/month ($105/year) for a family, plus a one-time $20 start-up fee. Advertised savings are 15-50% at 262,000+ provider locations. It is a discount card, not insurance. This page does not invent an ROI number; compare the membership fee to the published member prices below and to your actual dentist’s quote.

Generic math for the category lives on are dental savings plans worth it. This page is Aetna-specific. Full pricing, pros, and cons: Aetna Dental Savings review 2026 and the Aetna plan review. Head-to-head with Cigna: Cigna vs Aetna dental savings.

What you actually pay for Aetna Vital Savings

From Aetna plan data (carrier-direct Vital Savings dental-only card, verified July 2026):

Item	Individual	Family
Monthly	$7.99/mo	$10.99/mo
Annual	$75/yr	$105/yr
Start-up fee	$20 one-time (not a couple tier — individual and family only)

Network: 262,000+ provider locations. Advertised savings: 15-50%. Activation: about 3 business days. Waiting period: None. Annual maximum: None. A Dental Plus Rx card is listed separately in plan notes ($95/yr individual, $125/yr family) — that is not this dental-only plan.

Published member prices (not an ROI claim)

We are not inventing a payback multiple. These typical Aetna member prices already appear in the Aetna review. Compare them to the $75/year individual membership (plus $20 setup) yourself.

Procedure	Average retail	Typical Aetna member price
Routine cleaning (D1110)	$115–$175	$60–$85
Bitewing X-rays (D0274)	$80–$130	$35–$55
Periodic exam (D0120)	$60–$90	$30–$45
Composite filling (D2391)	$200–$350	$100–$160
Porcelain crown (D2740)	$1,200–$1,800	$600–$950
Root canal, molar (D3330)	$1,000–$1,500	$500–$750
Single dental implant	$3,000–$6,000	$1,800–$3,600

Aetna does not publish one nationwide fee schedule. Your dentist’s quote with a Vital Savings membership is the real number. Savings listed in plan data are 15-50%.

When Aetna is worth it

Your current dentist already participates in Aetna Vital Savings / Aetna Dental Savings.
You want the largest published network we review (262,000+ provider locations) — especially in a metro area.
You already use Aetna for medical coverage and want the same brand ecosystem.
You need major work this year (crowns, root canals, implants are listed as covered in plan data) and there is no annual maximum.

When it is not worth it

Your dentist is not in the directory. The card does nothing at that office.
Your employer already subsidizes dental insurance. Take the benefit instead.
You will not visit a dentist this year. A unused membership is just the fee plus setup.
You need a published CDT-by-ZIP price before you buy. Cigna is the plan that publishes that schedule — see the Cigna Dental Savings fee schedule.

Aetna vs Cigna, briefly

Individual list price is $7.99/mo (Aetna) vs $8/mo equivalent (Cigna). Aetna has the larger network; Cigna publishes fee schedules. The comparison write-up is Cigna vs Aetna dental savings and Aetna vs Cigna (side-by-side).

Frequently Asked Questions

Is Aetna Dental Savings Plan worth it?

If your dentist participates, the membership is $75/year individual plus $20 setup against 15-50% advertised discounts and no annual cap. If they do not participate, it is not worth it.

Is Vital Savings a different product?

Aetna Vital Savings is the consumer name for this dental-only discount card. Same plan we review as Aetna Dental Savings.

Is this Aetna dental insurance?

No. It is a discount membership: no claims, no waiting period, no annual maximum. Aetna dental insurance is a separate product with premiums and a capped benefit.