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Aetna Dental® coverage through work

When you have an Aetna Dental plan, you know you’re taking the right steps toward being healthy. You get a broad choice of dentists and dental providers, wellness discounts and offers that extend the value of your plan, helpful guidance to make it easy to manage your care, and more.

Enjoy our national network

We make dental care flexible and convenient. You can choose from thousands of high quality dental providers nationwide, including those who offer virtual dental visits.

Which dental plan fits you?

Which dental plan fits you?

All Aetna Dental plans offer a wide choice of dentists, wellness discounts and convenient digital tools. But your plan features and costs will vary depending on the plan you choose. We’ve broken down the differences between our DMO® dental benefits and insurance plan and our PPO dental insurance plans to help you decide. Just check with your employer to see which plans are available to you.

Aetna DMO®* plans vs.
 

Preferred Provider Organization (PPO) plans
 

What’s the difference?
 

DMO =
 

Lower premiums
 

No yearly dollar limits
 

No deductibles
 

You’ll need to select a primary care dentist in the DMO network.
 

If you need a specialist
 

your primary care dentist will refer you to one in our network. 
 

Have a family?
 

Everyone can get their own in-network primary care dentist.
 

What about PPO plans?
 

PPO =
 

Go to any dentist
 

No primary care dentist needed
 

No referrals
 

Get lower rates when you go to a dentist that’s in your PPO network.
 

Which dental plan is right for you?
 

Learn more and see if your dentist is in the network with these plans on aetna.com.

Aetna Dental DMO plan

 

A primary care dentist (PCD) helps guide your care with this DMO* plan.

 

What to do

How it works

Choose a PCD from our network*: Use our provider search tool to find one.

See your PCD for regular exams and to get referrals if you need specialty care.

Covered family members can choose their own PCDs.

You can change your PCD once a month on your member website. Switch by the 15th day of the current month. The change will start the first day of the next month.

 

Visit your PCD: If you see someone other than your selected PCD, you could end up paying more.

Check your benefits summary, so you’ll know what to pay.

Give your member information at your visit.
 

Pay your share of the cost. This may be a copay, which is a set dollar amount. Or it may be coinsurance, which is a percentage of the dentist’s charge.
 

That’s it. No deductible, no claims forms and no yearly dollar limits.
 

What to do

Choose a PCD from our network*: Use our provider search tool to find one.

How it works

See your PCD for regular exams and to get referrals if you need specialty care.

Covered family members can choose their own PCDs.

You can change your PCD once a month on your member website. Switch by the 15th day of the current month. The change will start the first day of the next month.

 

What to do

Visit your PCD: If you see someone other than your selected PCD, you could end up paying more.

How it works

Check your benefits summary, so you’ll know what to pay.

Give your member information at your visit.
 

Pay your share of the cost. This may be a copay, which is a set dollar amount. Or it may be coinsurance, which is a percentage of the dentist’s charge.
 

That’s it. No deductible, no claims forms and no yearly dollar limits.
 

 

Aetna Dental PPO plan

 

You have the freedom to care for your smile your way with this PPO plan. 

 

Your options

Pick your dentist

How it works

In network: no paperwork, lower costs

Visit a dentist in the Aetna Dental PPO* network.

Network dentists offer special rates for covered services. So your share of the cost is usually lower.
 

Network dentists file claims for you.

Out of network: choices

Visit any licensed dentist outside the network.

You may pay more when you get care from dentists who aren’t in the network.*
 

You may have to file your own claims.

Your options

In network: no paperwork, lower costs

Pick your dentist

Visit a dentist in the Aetna Dental PPO* network.

How it works

Network dentists offer special rates for covered services. So your share of the cost is usually lower.
 

Network dentists file claims for you.

Your options

Out of network: choices

Pick your dentist

Visit any licensed dentist outside the network.

How it works

You may pay more when you get care from dentists who aren’t in the network.*
 

You may have to file your own claims.

 

Compare DMO vs. PPO

 

Here is a simple guide to help you compare DMO vs. PPO dental plans from Aetna. 

 

Aetna Dental DMO

Aetna Dental PPO

Primary Care Dentist: You’ll need to choose a primary care dentist (PCD) who’s in our network.

Primary Care Dentist: You don’t have to select a Primary Care Dentist. You have a larger network of dentists to choose from. But, you’ll save more when you stay in-network.

 

Premiums: Generally, your premiums are lower.

Premiums: Generally, your premiums are higher.

Deductibles: There are no deductibles or yearly dollar limits.

Deductibles: There are deductibles and yearly dollar limits.

Referrals: Referral is needed for specialists. No referral is needed for orthodontists.

Referrals: No referral is needed for specialists.

Aetna Dental DMO

Primary Care Dentist: You’ll need to choose a primary care dentist (PCD) who’s in our network.

Aetna Dental PPO

Primary Care Dentist: You don’t have to select a Primary Care Dentist. You have a larger network of dentists to choose from. But, you’ll save more when you stay in-network.

 

Aetna Dental DMO

Premiums: Generally, your premiums are lower.

Aetna Dental PPO

Premiums: Generally, your premiums are higher.

Aetna Dental DMO

Deductibles: There are no deductibles or yearly dollar limits.

Aetna Dental PPO

Deductibles: There are deductibles and yearly dollar limits.

Aetna Dental DMO

Referrals: Referral is needed for specialists. No referral is needed for orthodontists.

Aetna Dental PPO

Referrals: No referral is needed for specialists.

 

Consider a DMO plan if ...

  • Your dentist is in our network. Use our provider search tool to see if your dentist participates in our DMO plan.
  • You expect major dental services, and your dentist is in network. The DMO has no lifetime limit for major services.
  • The cost is most important — the DMO has lower premiums, and you can end up saving money.

Consider a PPO plan if ...

  • The ability to visit any dentist is most important. You can see any licensed dentist with this plan, so the network is generally larger than the DMO network.
  • You are looking to see a specialist without having to get a referral. You don’t need a referral to see a specialist with this plan.
     

Healthy mouth, healthy body

 

Routine dental care can help you have stronger teeth, healthier gums and a brighter smile. Studies show that a healthy mouth helps you avoid health problems in the body, too.

 

Mouth/body connection

 

Understand the link between oral health and overall health.

 

Visit our Oral Health Resources page

Member perks and savings

Aetna Dental plans come with special perks and discounts, including exclusive offers from CVS Health®. There are no claims or referrals to worry about, and no limits on how much you can save. 

Digital tools to manage your care

Digital tools to manage your care

Whether you’re at your desk or on the go, our easy-to-use digital tools help you manage your dental plan, save money and make smart decisions about your care. 
 

You can: 

  • Use our provider search tool to search, in the network, by name, specialty or procedure
  • See your benefits summary and get information about what's covered
  • View and pay claims
  • Pull up your ID card whenever you need it

Once you’re a member, you have two ways to engage with your plan online.

Legal notices

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).

This material is for information only. Dental information programs provide general dental information and are not a substitute for diagnosis or treatment by a dentist or other health care professional. Information is believed to be accurate as of the production date; however, it is subject to change.

Dental benefits and dental insurance plans contain exclusions and limitations.

See all legal notices

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