Dental Benefits

You have the option of choosing between two Aetna dental plans, a Dental DMO or the PPO.

DMO Plan Highlights

  • The DMO plan covers In-Network benefits only.
  • Lower out-of-pocket costs which are based on a fee schedule provided to all participants.
  • There is no annual maximum.
  • Child and Adult orthodontia included.

You must seek care from a primary care dentist, you have the option to change your primary care dentist on a monthly basis. Referrals from your PCD will be needed for specialty care.

2026 Aetna DMO Plan Benefit Summary (pdf)

PPO Plan Highlights

  • Option to go in- or out-of-network.
  • You do not need to choose a primary care dentist.
  • No referrals are needed to visit a specialist.
  • Child and Adult Orthodontia is included.
  • Includes coverage for TMJ.

2026 Aetna DPPO Plan Benefit Summary (pdf)

Dental Plans Overview
Aetna Dental Plan DMO PPO
Plan Benefits In-Network Only In-Network Out-of-Network
Deductible (Indiv. / Family)
Waived for Preventive		 None $50/$150
Coinsurance (Paid by Carrier)
Preventive  Fee Schedule 100% 100%
Basic  Fee Schedule 90% 80%
Endodontics/ Periodontics Fee Schedule 90% 80%
Major Fee Schedule 60% 50%
Orthodontics Children and Adults Children and Adults
Orthodontia Lifetime Maximum Fee Schedule $2,000
Calendar Year Maximum None $2,000
Dependent Age Limit To Age 26
Enrolling in the DMO?
Your DMO enrollment will not be complete until you pick a primary care dentist. Visit www.aetna.com  to search for a DMO dentist.
How to find an in-network provider:
Visit https://www.aetna.com/individuals-families/find-a-doctor.html and search for a dentist in the Aetna PPO and DMO networks.
Dental ID Cards
You don’t need a dental ID card to get dental care. No employee specific ID cards will be distributed. Employees will receive letters in the mail with your dental ID information listed. You can also go online or use the Aetna mobile app after your effective date to print an ID card.
How will my dentist know I’m a Aetna Dental member?
When you visit your dentist, simply tell the office your name, date of birth and your Social Security number. They will verify coverage directly with Aetna.