What to do
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.
How our dental DMO plan works
A primary care dentist (PCD) helps guide your care with this DMO plan*.
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How it works |
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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.
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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. 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. |
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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. |
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How it works |
See your PCD for regular exams and to get referrals if you need specialty care.
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What to do |
Visit your PCD: If you see someone other than the PCD you chose, you could pay more. |
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How it works |
Check your benefits summary, so you’ll know what to pay. 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. |
How our dental PPO plan works
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.
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Your options |
Pick your dentist |
How it works |
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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. |
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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. |
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Your options |
In network: no paperwork, lower costs |
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Pick your dentist |
Visit a dentist in the Aetna Dental PPO* network. |
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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. |
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Your options |
Out-of-network: more choices and flexibility |
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Pick your dentist |
Visit any licensed dentist outside the network. |
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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.
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Aetna Dental DMO |
Aetna Dental PPO |
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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.
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Premiums: Generally, your premiums are lower. |
Premiums: Generally, your premiums are higher. |
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Deductibles: There are no deductibles or yearly dollar limits. |
Deductibles: There are deductibles and yearly dollar limits. |
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Referrals: A referral is needed for specialists. No referral is needed for orthodontists. |
Referrals: No referral is needed for specialists. |
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Aetna Dental DMO |
Primary care dentist: You need to choose a primary dentist (PCD) who’s in our network. |
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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.
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Aetna Dental DMO |
Premiums: Generally, your premiums are lower. |
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Aetna Dental PPO |
Premiums: Generally, your premiums are higher. |
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Aetna Dental DMO |
Deductibles: There are no deductibles or yearly dollar limits. |
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Aetna Dental PPO |
Deductibles: There are deductibles and yearly dollar limits. |
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Aetna Dental DMO |
Referrals: A referral is needed for specialists. No referral is needed for orthodontists. |
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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.
Member perks and savingsWellness 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 toolsHelpful 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.
For dental consumers in New York
An online cost estimate of services is available to you.
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.