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Have questions about Aetna® DMO® plans? We’re here to help.

Choose a topic to find questions and answers about our Dental Maintenance Organization (DMO) plans for individuals and families.

 

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General questions

  • Choose a primary care dentist (PCD) who’s part of our network. Each covered family member can choose their own PCD.

     

    Depending on your plan, you may pay for dental care in one of two ways:

     

    • Copay: You pay a set dollar amount.
    • Coinsurance: You pay a percentage of covered expenses.

     

    There are no deductibles or annual dollar maximums.

     

    Illinois or Virginia member? Check exceptions for your state.*

  • Aetna Dental members don’t need a member ID card to get dental care. When you go to or call the dentist, tell the office staff that you have Aetna Dental DMO. They’ll be able to check your coverage.

     

    You can pull up and print your ID card from your member website. Signing up is simple.

     

    Register and log in to your member website

     

    You can also pull up and share your digital ID card from the Aetna Health℠ app. Download the app on the App Store or Google Play.

     

    Learn about the Aetna Health app

  • Your plan may have a coordination of benefits provision. If so, we confirm which plan has primary responsibility for paying claims. If we do, we pay as the primary payor. If not, we pay as the secondary payor.

     

    The primary payor pays claims as it normally does. They do so as if there is no secondary payor. The secondary plan acts like a supplement to the primary plan.

     

    Your benefits don’t double if you're enrolled in two dental plans. This means if you have two plans that cover two cleanings per year, you don’t have four cleanings per year.

     

    Coordination of benefits provisions differ by plan. If you need more information, contact Member Services. You can reach them using the number on your ID card.

 

Network questions

  • Yes. Every enrolled family member may choose their own primary care dentist. We encourage you to choose a primary dentist at the time of enrollment.

     

    The PCD has primary responsibility for managing your dental care. Each DMO® member needs to choose a PCD. You may choose a new one once a month.

     

    To change your PCD, log in to your member website. Or call Member Services at the number on your ID card.

     

    If you choose a new PCD on or before the fifteenth of the month, the change will go into effect on the first day of the following month. (For example, if you change your PCD on April 15, the change will take effect May 1.)

     

    If you choose a new PCD on the sixteenth day of the month or later, the change will go into effect two months after. (For example, if you change your PCD on April 16, the change will take effect June 1.)

  • You can find a network dentist with our online directory. Log in to your member website first to get personalized results. Search for a dentist by name, specialty, ZIP code or the number of miles you are willing to travel.

     

    Log in to find a dentist who accepts your plan

     

    Find a dentist using our public site

  • Unless required by state law, a pediatric dentist is considered a specialist. They aren’t a PCD. Members can’t choose a pediatric dentist as their PCD.

     

    Most PCDs treat children and can refer members to a pediatric dentist, if necessary.

  • You don’t need a referral for orthodontic treatment from a participating provider. For other specialists, you may need a referral. If so, the primary care doctor will arrange it.

  • A dentist's reimbursement is a combination of:

     

    • The amount we pay the dentist 
    • The member’s copay/coinsurance amount
  • We have an arrangement with our DMO providers. It sets what they can charge for covered services. What you pay will be based on a percentage of those charges (coinsurance). Or it will be a flat dollar amount (copay).

     

    The DMO plan doesn’t have any deductibles or annual maximums.

  • Call Member Services at the number on your ID card. We’re here to help.

  • Be sure to contact us before treatment. We need to approve a visit to a different provider before treatment.

 

Plan questions

  • Check your Aetna® summary of benefits. It describes the services you have coverage for under your plan. You can get a summary of benefits from your employer that provides your insurance or by logging into your member website.

  • Yes. Call Member Services at the number on your ID card if you have questions.

  • Your plan covers replacing missing teeth with a few limits. For details, check your plan documents or call Member Services.

  • For coverage details, check your plan documents or call Member Services.

  • Yes, some services have limits on how often you can receive a service. For details, check your plan documents or call Member Services.

  • To learn more, check our orthodontia care FAQs.

  • If you had coverage under a previous insurance carrier, you’ll have coverage for certain services by that plan even after your Aetna coverage begins. This is called an extension of benefits provision. These services include:

     

    • Crowns and fixed bridgework when the teeth were prepared before your Aetna coverage began
    • Appliances (such as dentures) when the impression was taken before your Aetna coverage began
    • Root canal therapy when the tooth's pulp chamber was opened before your Aetna coverage began

    We may not cover services you’ve received without coverage. To check if your plan has a work-in-progress exclusion, call Member Services.

     

    Some dental issues may need more than one service to fix. If so, most services will be considered separately.

  • Ask your dentist to send a pretreatment estimate (predetermination) to us. This will let you and the dentist know what the benefit will be if you have the service. You or your dentist may also call Member Services. You can reach them at the number on your member ID card.

     

    Predeterminations may not be available in all states. For coverage details, check your plan documents or call Member Services.

  • To learn if your DMO covers implants, check your plan documents or call Member Services.

  • Your coverage depends on the procedure and how your dental plan is set up. To learn more, check our oral surgery FAQs.

  • Periodontal maintenance is for patients who’ve had past periodontal treatment. DMO plans require a surgical periodontal history.

Legal notices

DMO plans are insured by Aetna Life Insurance Company, Aetna Dental Inc., Aetna Dental of California Inc. and/or Aetna Health Inc. (Aetna). Each insurer has sole financial responsibility for its own products. Not all services are covered. See plan documents for a complete description of benefits, exclusions and limitations of coverage. Plan features and availability may vary by location and are subject to change. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Refer to Aetna.com for more information about Aetna® plans.

Health benefits and health insurance plans contain exclusions and limitations.

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