Dental
Dental
Chubb offers two plans covered by Aetna to help you maintain a healthy smile. You share the cost of dental insurance with Chubb in Pretax payroll deductions.
PPO plan, you will pay less when you use a dentist in Aetna’s network.
Dental HMO plan (DHMO), you must use a dentist in the DHMO network. There is no out-of-network coverage under the DHMO.
PPO Plan |
DHMO Plan |
|
|---|---|---|
In-network |
||
|
Annual deductible (employee only/family) |
$25/$75 |
$0/$0 |
|
Annual maximum benefit |
$2,500 |
None |
|
Services
|
You pay $0 |
You pay $0 |
|
You pay 20%, plan pays 80% |
Co-pays vary by service |
|
You pay 50%, plan pays 50% |
Co-pays vary by service |
|
Orthodontia coverage |
50% |
$2,400 |
|
Orthodontia lifetime maximum |
$2,500 |
None, limited to one treatment per member |
|
Orthodontia eligibility |
Adult and child |
Adult and child |
Out-of-network1 |
||
|
Annual deductible (employee only/family) |
$25/$75 |
Not covered |
|
Annual maximum benefit |
$2,500 |
Not covered |
|
Services
|
You pay $0 |
Not covered |
|
You pay 20%, plan pays 80% |
Not covered |
|
You pay 50%, plan pays 50% |
Not covered |
|
Orthodontia coverage |
50% |
Not covered |
|
Orthodontia lifetime maximum |
$2,500 |
Not covered |
|
Orthodontia eligibility |
Adult and child |
Not covered |
1Under the PPO Plan, out-of-network benefits are paid at the Usual and Customary (U&C) reimbursement rate, so you may be balance-billed if charges exceed the U&C reimbursement rate.
Find a dentist
PPO plan
In this plan, you will pay less when you use a dentist in Aetna’s network.
Get Started
To find a participating dentist near you, visit aetna.com/docfind and search the “Dental PPO/PDN with PPO II” network. As you begin your search, you’ll be asked to “Select a Plan” from the drop-down list.
DHMO plan—only network providers covered
In this plan, you will need to choose a primary care dentist to coordinate your care, and only care you receive in the plan's network will be covered. It’s a good idea to confirm your dental provider is in the “DMO®/DNO” network before you enroll or receive services. If your provider decides not to participate in the DHMO network mid-year, you will not be able to change your plan until the next Annual Enrollment window unless you experience a qualifying life event.
Get Started
To find a participating dentist near you, visit aetna.com/docfind and search the “DMO®/DNO” network.
Learn More
View the Aetna Dental Discounts flyer