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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.

Explore dental plan choices


Aetna Dental offers one of the largest PPO and DMO networks in the industry with significant discounts for our members. Check out these affordable plan options.

Dental Maintenance Organization (DMO) plan

Guidance and 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. There’s no paperwork or hassles.

Plan features:

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

Preferred Provider Organization (PPO) plan

Freedom to always choose

If your members like freedom, they’ll love Aetna Dental PPO. They can visit any in-network dentist to keep rates lower or choose to see any dentist. 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

Indemnity plan

Any licensed dentist, anywhere

With Aetna Dental Indemnity, there’s no need to choose a PCD. Members can visit any licensed dentist in the country and pay their bill on the spot. To get reimbursed, they may need to file a claim.

Plan features:

  • Freedom to visit any licensed dentist
  • Cost share paid directly to the dentist
  • No referrals required
  • Great for fully insured and self-funded customers
  • Annual and lifetime coverage limits may apply


Freedom of Choice plan

Flexibility for changing needs

With Aetna Freedom-of-Choice, members can switch between two plans — with two networks — to fit their needs. They can choose our DMO for the simplicity and savings of in-network, PCD-guided care. Or choose our PPO or indemnity plan to visit any provider.

Plan features:

  • Flexibility to switch plans throughout the year, as often as every month
  • One convenient price
  • Freedom to visit providers in or out of network
  • No PCD or referrals required (PPO & Indemnity)

*For DMO plans, some states allow limited benefits when members go out of network for covered services. In Illinois, DMO plans provide limited out-of-network benefits, but to receive maximum benefits, members must select and have care coordinated by a participating PCD. In Illinois, the DMO plan is not a health maintenance organization (HMO). In Virginia, the DMO plan is known as the Dental Network Only plan (DNO). DNO in Virginia is not an HMO. In California, dentists may refer members to out-of-network dentists for some services.

Bringing value to your dental plan

Mobile dentistry

We’re bringing the dentist to employees with a mobile or in-office clinic.

  • There’s no cost to you.
  • Services may include preventive care such as cleanings, X-rays, exams and restorative procedures such as fillings and crowns.
  • Services vary by provider.

Alternative orthodontics

We’re partnering with online vendors to offer convenient, certified orthodontic solutions.

  • Providers oversee remote treatment and guidance from beginning to end.
  • There’s no need for in-person appointments.
  • Supplies are delivered directly to home from Candid® or SmileDirectClub®.


We’re working with network providers to offer teledentistry services to give members more choice and convenience.

  • Members can connect with dentists through virtual visits using technology such as Facetime or Skype.
  • Dental providers can offer routine and/or oral evaluations, answer questions, give advice, prescribe medicine and refer patients to specialists, if needed.
  • Teledentistry helps avoid unnecessary travel and costs, emergency room visits or time away from work or school.

Member tools and resources

Taking charge of health and benefits is easier with the Aetna member website.

After logging in, your members can:

  • Pull up their ID card
  • Search for network dentists by name, specialty or procedure
  • View dental plan summary and what’s covered
  • Track spending and progress toward meeting deductible
  • View and pay claims
  • Get cost estimates before receiving care*
  • Access discounts on additional services and products

*This service is available only for dental members on a PPO plan.

Pairing dental and medical for powerful health

At Aetna we love to see our members smile.  Because we know that a healthy happy smile is a window into overall health. 

That’s why when we saw the staggering costs of some of the most common health conditions, we knew it was time to take a deeper look.

We teamed up with Columbia University to research the relationship between oral health and high-cost health conditions like heart disease, diabetes, and some pregnancies.

And we found a big connection, so we did something about it and launched our first Aetna Dental Medical Integration Program in 2007. 

Through it we link our member’s dental and medical data to find out if they have conditions that can benefit from regular or additional dental care. 

We automatically reach out to those who haven’t seen a dentist recently and encourage them to schedule a visit.  Not every carrier has this kind of integration and that’s because Aetna has been at the forefront of this approach to care.

We also provide enhanced benefits at no extra cost to the member.  And the results speak for themselves.  Members who are in our Aetna Dental Medical Integration Program experience significantly better health outcomes than those who weren’t. 

With this program we’re helping to drive healthier outcomes and helping to lower health care costs.  Which is something to smile about.

Pairing dental and medical for powerful health

Studies show that good dental care can lead to better overall health.* Not only do dental problems cause pain and lost time, but they can also lead to serious health problems. That’s why the Aetna Dental Medical Integration program is so valuable.

This program helps us easily identify members with high-risk conditions who may benefit from extra dental care. By using our unique ability to integrate dental and medical claims data, we’re able to reach out to members to help them seek the right care sooner, for better overall health.

*Ongoing, statistically valid analysis of Aetna Dental/Medical Integration program customers.

Dental wellness tips for employees


Good dental care is good for the mouth and body. So share these tips and resources with your employees.

Benefits of dental care


  • Cuts risk of heart disease
  • Lowers risk of stroke
  • Helps control blood sugar
  • Lowers chance of early delivery during pregnancy
  • Lowers risk of rheumatoid arthritis

Simple actions for a healthier mouth


  •  Brush twice a day*
  • Floss after brushing
  • Rinse twice a day with antiseptic mouthwash
  • Eat healthy foods
  • Exercise regularly
  • Stop smoking

Dental wellness articles
The mouth-body connection: What your dentist knows about your overall health

Listen to your mouth: 6 signs you need to see the dentist

*Choose a toothpaste that contains fluoride and an antibacterial ingredient. Also make sure the toothpaste carries the American Dental Association Seal of Acceptance.

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 us 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. 

Find plans

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.


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

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