Hybrid Dental Plans

Aetna Dental® Freedom of Choice benefits and dental insurance plan gives you the ease of offering one plan, while employees choose between the advantages of two. It’s a Dental Maintenance Organization (DMO®)* plan with either a Preferred Provider Organization PPO**  or Indemnity plan option. It’s your choice. 

• Preventive, basic and major services are covered.
• Pay a blended rate no matter which plans employees use.
• Employees can easily switch between plans each month. They just need to call Member Services. Or they can log on to our secure member website.
• They just need to make their switch by 15th day of the current month to be effective the 1st day of the next month.
• To learn more, view the Freedom of Choice video.
  

Plan features

Nationwide employees can share a common plan, so dental insurance benefits are the same across all company locations.

• They can get DMO* benefits with lower out-of-pocket costs, or
• Switch to a PPO or Indemnity dental insurance plan for a broader choice of dentists.
  

Funding options

• DMO* plan is available as fully funded only.
• PPO and Indemnity dental plans are available as fully or self-funded.
  

Learn more about our dental insurance plan features

• Network Only Plans (DMO)* 
• Network Optional Plans (PPO) 
• Indemnity 

FAQs

Get the answers to our most frequently asked dental plan questions.

*State laws vary with regard to out-of-network benefits. In Illinois, DMO plans provide limited out-of–network benefits.  However, in order to receive maximum benefits, members must select and have care coordinated by a participation primary care dentist.  Illinois DMO is not an HMO.

**In Texas, the Preferred Provider Organization (PPO) plan is known at the Participating Dental Network (PDN)

DMO plans are underwritten by: Aetna Dental Inc. and/or Aetna Life Insurance Company; in California by Aetna Dental of California Inc; in Arizona and Georgia by Aetna Health Inc. PPO, PDN and indemnity plans are underwritten and/or administered by Aetna Life Insurance Company. Dental rider plans are underwritten by these Aetna health benefits and health insurance companies: Aetna Health Inc.; Aetna Health of California Inc.; Aetna Health of the Carolinas Inc.; Aetna Life Insurance Company; in Arizona by Aetna Health Inc. and/or Aetna Life Insurance Company (Aetna). In Maryland, by Aetna Health Inc., 151 Farmington Avenue, Hartford, CT 06156.  Each insurer has sole financial responsibility for its own products.

This material is for information only and is not an offer or invitation to contract. An application must be obtained to obtain coverage. Rates and benefits vary by location. Dental information programs provide general dental information and are not a substitute for diagnosis or treatment by a dentist or other health care professional. Dental benefits and dental insurance plans contain exclusions and limitations. Not all dental services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and group size and are subject to change. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to  dental services. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.

Policy forms issued in Oklahoma include:  GR-9/GR-9N, GR-23 and/or GR-29/GR-29N.