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Dental Indemnity Plans

The ability to choose any dentist

Our dental indemnity insurance plan is a traditional fee-for-service dental plan. Members enjoy the freedom to visit any licensed dentist for covered services.

Plan features

  • No referrals required.
  • Eligible preventive, basic and major services are covered.
  • Members visit any licensed dentist.
  • Deductibles, coinsurance and annual plan maximums apply.
  • Members pay the dentist up front then get reimbursed for eligible services.

Employer cost savings

  • Employers can offer two plan options with separate rates: a dental indemnity plan and a Dental Maintenance Organization (DMO®)* plan. DMO is available at about half the cost of a traditional dental PPO plan.
  • Offer indemnity dental to those who will pay 50% or more of the premium.

Dental indemnity plans at a glance

Indemnity plans Plan descriptions   Plan options** Funding PCD req'd Plan max.
Indemnity Members can visit any licensed dentist. Deductible and/or coinsurance Fully or self-insured No Yes
Aetna Dental Care RewardSM Rewards members the next plan year for visiting a dentist for preventive care during the current plan year. Deductible and/or coinsurance Fully or self-insured No Yes
Plans Plan descriptions Networks Plan options Funding PCP required
Freedom-of-Choice One premium, two plans. Employees can switch each month between a DMO and an indemnity dental insurance plan option. DMO:
No network for Indemnity
Fixed copay, coinsurance, no deductible
Fully insured
Dual Choice Two premiums/rates, two plans. Employees can select either an Aetna DMO or Indemnity plan at enrollment (no monthly switch). N/A Indemnity:
Deductible and/or coinsurance
Fully or self- funded

*State laws vary with regard to out-of-network benefits. In Illinois, DMO plans provide limited out-of–network benefits. However, in order to receive maximum benefits, members must select and have care coordinated by a participating primary care dentist. Illinois DMO is not an HMO.

**Plan options may vary by state.

Dental indemnity insurance plans are offered, underwritten and/or administered by Aetna Life Insurance Company (Aetna).

This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Rates and benefits vary by location. Dental information programs provide general dental information and are not a substitute for diagnosis or treatment by a dentist or other health care professional. Dental benefits and dental insurance plans contain exclusions and limitations. Not all dental services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and group size and are subject to change.

Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to dental services. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to

Policy forms issued in Oklahoma include: GR-9/GR-9N, GR-23 and/or GR-29/GR-29N.

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