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Group dental benefits and insurance plans

With Aetna Dental® plans, you get more than ancillary products. You get a menu of plan choices to protect members’ whole health, for a whole-healthy business.

A little guidance for great savings


With Aetna Dental® DMO*, you get quality dental coverage that fits everyone’s budget. An in-network primary care dentist (PCD) guides members’ care, with no deductibles, paperwork or hassles. It’s the simple way to care for smiles.


Plan features:


  • In-network PCD required 
  • Referrals required for specialty care (except orthodontia) 
  • No deductibles or claims
  • No lifetime limit for major services

Freedom to always choose


If your members like freedom, they’ll love Aetna Dental PPO. They can pay a little more to visit any out-of-network dentist. Or, stay in our broad network to budget and save. There are no referrals required either way.


Plan features:


  • Freedom to see any licensed provider
  • Lower costs for staying in network
  • No PCD or referrals required 
  • Higher premiums than DMO
  • Deductibles and yearly limits apply 

Any licensed dentist, for care anywhere 


With the Aetna Dental indemnity plan, members can visit any licensed dentist, anywhere in the country. And pay the bill direct to their dentist. They may have to file a claim to get reimbursed, but they’ll never have to worry about choosing a PCD or getting referrals.


Plan features:


  • Visit any licensed dentist
  • Share of the cost paid directly to the dentist
  • No referrals required
  • Great for fully insured and self-funded customers
  • Annual and lifetime limits on coverage may apply

Two different plans for one, simple price


With Aetna Freedom-of-Choice, members can switch between two plans — with two networks — to fit changing needs. For one price, choose Aetna DMO for the simplicity and savings of in-network, PCD-guided care. Or choose our PPO or indemnity plan for the freedom to visit any provider, anywhere.  In fact, members can switch between two plans every month. It’s that easy.


Plan features:


  • Switch between two dental plans throughout the plan year  
  • One convenient price
  • Freedom to visit providers in or out of network
  • No PCD or referrals required (PPO & Indemnity)

Add whole health to your dental plan

Add whole health to your dental plan

It’s easy with our range of vision, pharmacy and other complementary benefits. They’re available standalone or with any medical plan. Your Aetna rep can tell you more.

More services to make you smile

You’ve got the right dental insurance plan. Now count on Aetna to find the right programs, services and administration to keep your benefits and business running smooth.

Member Services

Keep members healthy and engaged with programs and services that keep whole health in mind.

Find services

Health Plans

Complete your dental plan with protection for every benefit need — from group medical to Medicare to vision and beyond. 

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Easy Administration

Explore quoting, enrollment and reporting tools to ease administration for plan sponsors and brokers. 

Find administration tools


Get to know Aetna Dental

Four dental insurance plan options for flexibility, savings and freedom.



*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. In Virginia, the DMO® plan is known as the DNO plan. DNO (Dental Network Only) in Virginia is not an HMO. To receive maximum benefits, members must choose a participating primary care dentist to coordinate their care with in-network providers.

Legal notices

In Idaho, dental benefits and dental insurance plans are offered and/or underwritten by Aetna Life Insurance Company. In Texas, the Aetna Dental PPO insurance plan is underwritten by Aetna Life Insurance Company. For all other states, dental benefits and dental insurance plans are offered and/or underwritten by Aetna Health Inc., Aetna Dental Inc., Aetna Dental of California Inc. and/or Aetna Life Insurance Company (Aetna). Each insurer has sole financial responsibility for its own products.

Dental benefits and dental insurance plans contain exclusions and limitations.

See all legal notices