Aetna dental plans provide a wide range of dental care solutions at affordable costs. And they are offered by Aetna, one of the largest health insurance companies, with over 14 million dental members. Plan options include:
Network-Only Dental Maintenance Organization (DMO) Dental Plans allow members to enjoy a broad variety of services while still enjoying savings on dental costs. DMO is available at half the cost of a traditional PPO plan and has two options: a low-cost DMO with fixed co-pay and co-insurance, and DMO Access that require members to choose a primary care provider while still allowing them to seek care from the Aetna dental discount network.
Network-Option Preferred Provider Organization (PPO) Plans are Aetna dental plans that allow members to visit the dentist of their choice but offers lower out-of-pocket costs if you use an in-network dentist. Employers have a choice of self-funded or full-risk options as well as differing levels of benefits, co-insurance, deductibles and annual maximums. Choices include Dental Care RewardSM that offers incentives to members who avail of preventive care during the current coverage year and Dental Prevention CareSM that offers 100% coverage on preventive care and some diagnostic services, as well as discounts on selected services.
Hybrid Plans are Aetna dental plans that give members the option of choosing the advantages of two plans. Employees can opt for a DMO plan with lower out-of-pocket costs or Indemnity or PPO plans that allows them to choose from a wider range of dentists. And members can easily shift plans even on a monthly basis.
Dental indemnity plans are traditional insurance plans in which employees have the option to visit any licensed dentist and be reimbursed for eligible preventive, basic and major services. Co-insurance, deductibles and annual maximums apply. The plan is available as a stand-alone policy or as part of Aetna Freedom-of-Choice plans.
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