What Aetna dental plans offer
Aetna provides individual and employer dental plans across DMO and PPO designs, plus an Indemnity and Freedom‑of‑Choice option for groups. Individual Aetna Dental Direct plans include Preferred PPO, Core PPO, and DMO, with preventive care at $0 in PPO tiers, set copays in DMO, and monthly costs starting near $17–$26 depending on plan. Members get nationwide networks, virtual dentistry via partners like Dental.com and The TeleDentists, and extras such as CVS ExtraCare Plus rewards. Group plans add mobile dentistry and integration with medical data to improve outcomes.
Individual plan highlights
- Aetna Dental Direct Preferred PPO: preventive $0, basic 20%, major 50%, $1,250 annual max, $50 deductible, starts around $26/month.
- Core PPO: preventive $0, basic 50%, major 50%, $1,000 annual max, $50 deductible, starts around $22/month.
- DMO: in‑network copays (no deductible, no annual max), lowest monthly cost starting around $17/month; requires a primary care dentist and referrals for specialists.
Group plan options
Employers can choose DMO, PPO, Indemnity, or Freedom‑of‑Choice designs with one of the largest dental networks, virtual/mobile care, CVS ExtraCare Plus, and data integration that has been associated with increased preventive use and reduced major/basic services.
Why this benefits insurance agents
- Aetna’s portfolio lets brokers match client preferences—lowest cost DMO, flexible PPO, or group designs—supported by a national network and recognizable digital tools.
- Virtual dentistry and the CVS tie‑ins create clear talking points.
- Producer World centralizes quoting, materials, training, and onboarding, with attractive compensation and resources to grow a book.
- Simplifies cross‑selling alongside medical plans and supports retention through integrated care programs.
Why this benefits customers
- Members get simple access to preventive care, broad provider choice, and convenient virtual visits for evaluations and prescriptions.
- The DMO can minimize premiums and eliminate annual dollar limits.
- PPO offers out‑of‑network flexibility with predictable deductibles and maximums.
- Extras like CVS ExtraCare Plus and mobile dentistry add savings and convenience.
- Integrated dental‑medical support can improve health outcomes over time.
Key considerations
- DMO vs. PPO: DMO requires a primary dentist and referrals but has no deductible or annual max; PPO has higher premiums, deductibles, and annual maxes, with more provider flexibility.
- State and plan specifics: Coinsurance, copays, and monthly rates vary by ZIP and plan choice; confirm covered services and limits before enrolling.
- Network use: In‑network providers reduce costs and handle claims; out‑of‑network is available in PPO but may increase member costs.
Explore Aetna dental
- Individual & family dental: Dental Insurance Plans for Individuals & Families | Aetna ↗.
- Compare work‑based DMO vs PPO: Dental Coverage Through Work ↗.
- Group dental portfolio: Group Dental Insurance Plans & Benefits for Employers | Aetna ↗.
- Broker resources: Health Insurance Products for Agents & Brokers | Aetna ↗.