Get to know our dental plans
All plans include access to board-certified, in-network dental providers, health discounts and digital tools. Specific features, costs and state guidelines* depend on the plan you choose. Ask your employer which plans are available to you.
Aetna Dental plans at a glance
| Plan type | Dentist choice | Out-of-network care | Premiums | Deductibles and annual maximums | Referrals | Consider this plan if: |
|---|---|---|---|---|---|---|
| Dental DMO | Choose a primary care dentist (PCD) in the DMO network. | Not covered, except where state laws apply | Lower than PPO | None | Required | Your dentist is already in the DMO network and lower costs matter most. |
| Dental PPO | Choose any dentist in or out of network. No PCD required. | Covered, but you may pay more | Higher than DMO | May apply | Not Required | You want the freedom to visit any dentist and see specialists without referrals. |
| Dental EPO | Choose a dentist in the EPO network. No PCD required. | Not covered | Varies by employer plan | May apply | Not required | You’re comfortable seeing only in-network dentists and don’t want referrals. |
| Dental FOC | Choose a PCD in the network: DMO
Choose a dentist in or out of network: PPO | Not covered, except where state laws apply: DMO
Covered: PPO | Same for DMO and PPO | Based on your choice of DMO or PPO plan | Required: DMO
Not required: PPO | You want the flexibility to switch between plan options as your needs change. |
Guided care with predictable costsHow our dental DMO plan works
| Pick your dentist | Get care | Know your costs |
|---|---|---|
Choose a primary care dentist (PCD). Covered family members can choose their own PCDs.
To find your PCD: Choose a dentist in our network. This gets you on that dentist's list of patients.*
To change your PCD: Choose a new PCD on your member website by the 15th. The change will take effect on the first day of the next month. | Start with your PCD when you need care. If you see another dentist, you could pay more.
For routine care: See your PCD for services like exams, cleanings and fillings. Your PCD files claims for you.
For specialist care: Get referrals from your PCD for services like root canals and oral surgery. You don’t need referrals for orthodontists. | Check your benefits summary on your member website before your visit.
What you pay: You pay a copay (a set dollar amount) or coinsurance (a percentage of the dentist’s fee).
How you save: There are no deductibles and no annual maximums. Just pay your copay or coinsurance at your visit. |
Flexible care in or out of networkHow our dental PPO plan works
| Pick your dentist | Get care | Know your costs |
|---|---|---|
See a dentist in our network. You don’t need a primary care dentist.
To see an in-network dentist: Use our search tool to find a dentist in our network. | Choose how and where you get care every time you need it.
Go in network: See an in-network dentist. They file your claim for you.
Go out of network: See any out-of-network dentist. You may need to file your claim.
Go to specialists: Get services like root canals and oral surgery with no referrals.
Go online: Get virtual evaluations, second opinions and prescriptions from Dental.com and TheTeleDentists. |
In network: Dentists agree to special rates, so your costs may be lower.
Out of network: Dentists set their own rates, so your costs may be higher.
Other costs: You may have deductibles and annual maximums. |
In-network care with no referralsHow our dental EPO plan works
| Pick your dentist | Get care | Know your costs |
|---|---|---|
See any dentist in our network. You don’t need a primary care dentist.
To find a dentist: Use our search tool to find a dentist in our network.
Stay in network: Out-of-network care isn’t covered. | Get covered care from local dentists in the EPO network.
For routine care: See an in-network dentist for exams, cleanings, fillings and other services.
For specialist care: See an in-network specialist for services like root canals and oral surgery with no referrals. | Check your benefits summary on your member website before your visit.
What you pay: You pay coinsurance (a percentage of the dentist's charge) for covered dental services.
Other costs: You may have deductibles and annual maximums. |
Freedom to choose the plan that fits youHow our dental FOC plan works
| Pick your dentist | Get care | Know your costs |
|---|---|---|
Choose your dentist based on whether you use the DMO or PPO option.
Choose DMO: Find a dentist in the network. Then choose them as your primary care dentist (PCD).
Choose PPO: See any dentist in or out of network. You don’t need a PCD. | Switch between DMO and PPO coverage each month as your dental needs change.
DMO care: See your PCD. They file claims for you and refer you to specialists. You don’t need referrals for orthodontists.
PPO care: See any dentist in or out of network. You don’t need referrals for specialists. You may need to file a claim for out-of-network care. | Check your benefits summary on your member website before your visit.
DMO costs: You may pay less with predictable costs. There are no deductibles and no annual maximums.
PPO costs: You may pay more for greater flexibility. There may be deductibles and annual maximums. |
Benefits beyond dental coverage
Aetna Dental plans give you added value to help you stay healthy and save money.
Legal notices
DMO plans are insured by Aetna Life Insurance Company, Aetna Dental Inc., Aetna Dental of California Inc. and/or Aetna Health Inc. (Aetna). Dental policies and plans are insured and/or administered by Aetna Life Insurance Company (Aetna). Each insurer has sole financial responsibility for its own products.
Not all services are covered. See plan documents for a complete description of benefits, exclusions and limitations of coverage. Plan features and availability may vary by location and are subject to change. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Refer to Aetna.com for more information about Aetna® plans.
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.
DISCOUNT OFFERS ARE NOT INSURANCE. They are not benefits under your insurance plan. You get access to discounts off the regular charge on products and services offered by third party vendors and providers. Aetna makes no payment to the third parties — you are responsible for the full cost. Check any insurance plan benefits you have before using these discount offers, as those benefits may give you lower costs than these discounts.
Policy forms issued in Missouri by Aetna Dental Inc. include: DM HGrpAg-Dental 04.
Policy forms issued in Oklahoma include: AL HGrpPol-Dental 04.
Policy forms issued in Washington include: AL WA HGrpPol-Den 05, AL SG HGrpPol-2019 04.
Policy forms issued in Wyoming by Aetna Life Insurance Company include: AL IVL CB-HDentalPOL 05.
Policy forms issued in Missouri include: DM HGrpAg-Dental 04, AL HGrpPol-Dental 04 [Dental ALIC].
Policy forms issued in Oklahoma include: AL HGrpPol-Dental 04, AL HCOC-DentalPPO 05.
Policy forms issued in Wyoming include: AL HGrpPol-Dental 02.
Policy forms issued in Washington include: AL WA HGrpPol-Den 05, AL SG HGrpPol-2019 04.
Dental benefits and dental insurance plans contain exclusions and limitations.