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Aetna Dental® coverage through work

When you have an Aetna Dental plan, you know you’re taking the right steps to being healthy. You get a broad choice of providers, wellness discounts, helpful guidance to manage your care, and more.

Enjoy our national network

Choose from thousands of quality dental providers nationwide, including those who offer virtual dentist visits.

Helping you choose the right dental plan for you

Helping you choose the right dental plan for you

All Aetna Dental plans offer a choice of dentists, health discounts and digital tools. Your specific costs and features depend on the plan you choose. Need help comparing plans? Learn about our DMO® dental benefits and insurance plan and PPO dental insurance plan. And be sure to ask your employer which plans are available to you.

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: This will get you on the dental office’s list of patients.* To find a dentist or office near you, use our provider search tool.

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 the PCD you chose, you could pay 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: This will get you on the dental office’s list of patients.* To find a dentist or office near you, use our provider search tool.

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 the PCD you chose, you could pay 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

 

Get the freedom to care for your smile your way. As a dental PPO member, you can access virtual dentistry options for routine evaluations, second opinions, referrals and prescriptions. Our network of virtual dentistry providers includes Dental.com and TheTeleDentists

 

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: more choices and flexibility

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: more choices and flexibility

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.

 

Aetna DMO or Aetna PPO? We can help you decide.

 

Aetna Dental DMO

Aetna Dental PPO

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

Primary care dentist: You don’t have to select a primary care dentist. And you have a larger network of dentists to choose from. You 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: A 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 need to choose a primary dentist (PCD) who’s in our network.

Aetna Dental PPO

Primary care dentist: You don’t have to select a primary care dentist. And you have a larger network of dentists to choose from. You 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: A 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 check 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 plan has lower premiums, so 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're 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

Wellness discounts that extend the value of your plan

 

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

Digital plan tools

Helpful guidance to make care easier 

 

You also get digital tools to help you manage your plan, save money and make smart decisions about your care. You can:

 

  • Find network providers, including those offering virtual visits
  • Get information about what’s covered
  • Check and pay claims
  • Pull up your ID card whenever you need it

Once you’re a member, you have two ways to manage your plan.

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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