Network only dental plans - DMO®*

Give your employees the benefit of wide coverage. They’ll get the bonus of cost savings, too. Our Dental Maintenance Organization (DMO®)* dental benefits and insurance plan combines the advantages of coordinated care from a primary care dentist (PCD) with a broad range of services to keep your employees smiling. It’s a cost-saving plan that’s so easy to use.  

Plan features

• DMO* is available at a lower cost than a traditional dental PPO insurance plan.
• Employees select a participating PCD from our dental network.
• Eligible preventive, basic and major services are covered.
• PCD referrals and preauthorization are only required when specialty care is needed.
• No referrals needed for orthodontia, when covered.
• There are no deductibles or dollar maximums, though certain age, frequency and orthodontia limits may apply.
• To learn more, view the DMO video.

Plan options

• Fixed copay or coinsurance plans can help you stay within budget.
• Available in Fully Insured only.
• Available as a standalone plan, as a part of our Freedom-of-Choice plan design or see our "Cost Savings" section for more plan options.

Cost savings

• Dual Option: Offer your employees two plan options during open enrollment: a Preferred Provider Organization (PPO)** dental plan or an Indemnity dental plan and a Dental Maintenance Organization (DMO®)* plan. Separate rates apply to each plan.
• Available as a DMO®* Access plan that offers employees a choice of two networks for care ― our DMO* network and our dental discount network. Employees may save on premiums.
• Ability to offer DMO* where employees pay 50% or more of the premium (based on underwriting guidelines).
  

DMO* plans at a glance

DMO* dental plans	Networks	Plan options	Funding	PCD required	Plan maximum
DMO* A lower-cost dental plan for cost-effective care	DMO*	Fixed copay, coinsurance	Fully insured	Yes	No
DMO* Access A lower-cost dental plan (lower than most traditional DMO plan designs) Employees select a DMO PCD and can also seek care in our dental discount network	DMO*, Aetna Dental Access®	Fixed copay	Fully insured	Yes	No
The choice of two plans	Networks	Plan options	Funding	PCP required	Annual maximum
Freedom-of-Choice One premium, two plans. Employees can switch each month between a DMO* and either a dental PPO*** or Indemnity dental insurance plan option that you choose Dual Option Two premiums/rates, two plans. Employees can select either an Aetna DMO or dental PPO or Indemnity plan at enrollment (no monthly switch)	DMO* and PPO, Aetna Dental PPO II (vendor based)† No network for Indemnity	DMO*: Fixed copay, coinsurance, no deductible PPO or Indemnity: Deductible and/or coinsurance	DMO*: Fully insured PPO or Indemnity: Fully or self- funded	DMO*: Yes PPO or Indemnity: No	DMO*: No PPO or Indemnity: Yes

FAQs

Get the answers to our most frequently asked DMO* member 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 as the Participating Dental Network (PDN).

***Plan options may vary by state.

†Included with fully insured plans. Optional with self-funded plans.

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.