Dental Indemnity Plan

Our dental indemnity plan is a traditional fee-for-service dental insurance plan. Your employees will enjoy the freedom to visit any licensed dentist for covered services.

Dental plan features

• No referrals required.
• Eligible preventive, basic and major services are covered.
• Employees can visit any licensed dentist.
• Deductibles, coinsurance and annual plan maximums apply.
• Employees pay their dentists up front. They are reimbursed for eligible services.
  

Dental plan options

• Choice of deductibles, coinsurance levels, maximums and benefits levels
• Choice of self-funded or fully insured options 
• Available standalone or as part of the Aetna Freedom-of-Choice plan design
• These popular plan designs may also fit your needs***
  
  • Aetna Dental Care Reward^SM plan
  • DentalFund plan
    

Cost savings

• Offer your employees two plan options during open enrollment: a dental indemnity plan and a Dental Maintenance Organization (DMO®)* plan. DMO* is available at about half the cost of a traditional dental PPO plan. Separate rates apply to each plan.
• Offer Indemnity dental to employees who pay 50% or more of the premium
• Ask about our low-cost PPO plan, Aetna Dental Preventive Care^SM
  

Indemnity dental plans at a glance

Indemnity Dental Plans	Plan options**	Funding	PCD required	Plan maximum
Indemnity Members can visit any licensed dentist.	Deductible and/or coinsurance	Fully or self-insured	No	Yes
Aetna Dental Care RewardSM Rewards members the next plan year for visiting a dentist for preventive care during the current plan year	Deductible and/or coinsurance	Fully or self-insured	No	Yes
Aetna Dental Preventive CareSM Members get preventive care and some diagnostic services covered at 100% in one cost-savings plan when they visit a network dentist. They’ll enjoy discounts on other dental services, too.	No deductible or copay for preventive care and diagnostic services Coinsurance applies	Fully or self-insured	No	Yes
Aetna DentalFund® Indemnity Combines base dental coverage with a fund to help your employees pay for their dental expenses. The fund can offset their eligible out-of-pocket costs, up to the fund balance. Leftover monies roll over to the next plan year. Contributions are tax-deductible.	Deductible and/or coinsurance	Fully or self-insured	No	Yes
The choice of two plans	Networks	Plan options	Funding	PCP required
Freedom-of-Choice One premium, two plans. Employees can switch each month between a DMO* and an Indemnity dental insurance plan option Dual Choice Two premiums/rates, two plans. Employees can select either an Aetna DMO or Indemnity plan at enrollment (no monthly switch)	DMO*: No network for Indemnity	DMO*: Fixed copay, coinsurance, no deductible Indemnity: Deductible and/or coinsurance	DMO*: Fully insured Indemnity: Fully or self- funded	DMO*: Yes Indemnity: No

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 participating primary care dentist.  Illinois DMO is not an HMO.

**Plan options may vary by state.

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.