Skip to main content

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 stretch your health care dollar, digital tools to easily manage your care, and more.

Enjoy our national network

We make dental care convenient. You can choose from thousands of 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.

*In Illinois, the Aetna Dental DMO plan provides limited out-of-network benefits. To receive maximum benefits, members must select and have care coordinated by their PCD. In Illinois, the Aetna Dental DMO plan is not a health maintenance organization (HMO). In Virginia, the DMO plan is known as the Aetna Dental Network Only plan (DNO). DNO in Virginia is not an HMO. To receive maximum benefits, members must choose a participating PCD to coordinate their care with network providers. **Your PCD keeps a list of eligible patients that is updated monthly. Your name will appear on this list when it is updated the month after your selection. Some dentists will only treat patients whose names appear on this printed monthly roster. Once you are a member, call Member Services if your dentist needs to verify your eligibility.

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. 

*In Texas, the Preferred Provider Organization (PPO) plan is known as the Participating Dental Network (PDN). **Out-of-network benefits are paid based on recognized charge levels, as determined by Aetna and specified in your plan documents.

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.

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 infections in the mouth, and their impact on other parts of the body.

 

Importance of oral health (PDF)

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.

*Acupuncture is an essential health benefit, and the discount for this service may duplicate benefits if you are enrolled in a full-service plan.

**Through the ChooseHealthy program, which is provided by ChooseHealthy, Inc., a subsidiary of American Specialty Health Incorporated (ASH). ChooseHealthy is a federally registered trademark of ASH and used with permission herein.

***Certain brands impose a no-discount policy.

†Pediatric dental essential health benefits include frames for glasses for pediatric patients; the discount for frames may duplicate benefits if you are enrolled in a vision plan that covers your dependent children.

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