Dental Plans

1-800-243-1809

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AEP offers two options for Dental Health coverage through Aetna.

Compare the Plans:

Preferred Provider Organization (DPPO) Plan

Offered in All Areas

The DPPO Plan covers 100% of your preventive care costs (like check-ups and cleanings) with no deductible, as long as you follow the frequency guidelines. For most other dental services, you’ll pay a portion of the costs after meeting your annual deductible.

You can choose to see a dentist who is part of the Aetna DPPO Plan network or one who is not. Generally, you will pay less when you see an in-network dentist.

Maintenance Organization (DMO) Plan

Available in Limited Areas Based on Your ZIP Code

With the DMO Plan, you must choose a Primary Care Dentist (PCD). Each dental procedure comes with a fixed dollar copay that you will pay. Please note that the DMO Plan does not cover any out-of-network services, so it’s essential to visit a dentist within the Aetna DMO network to receive coverage.

If you are already enrolled in the DMO Plan, check your Dental Plan options to confirm if it is still available based on your home ZIP code. Only individuals living in a DMO network area can participate in this Plan. If you are eligible, the DMO Plan will show up as an option during enrollment.

To find DMO dentists near you, visit aetna.com and select Continue as a guest. Then choose the DMO/DNO option under Select a Plan.

Find a DMO Primary Care Dentist >

Plan Feature	DPPO Plan	DMO Plan
Preventive Care	100% covered, no deductible (Subject to frequency limits)	100% covered, no deductible (Must use in-network Primary Care Dentist)
Primary Care Dentist Election	Not required	Required at enrollment (Contact Aetna at 1-800-243-1809 with your PCD election)
Annual Deductible The amount you pay before the Plan pays	$50 participant only / $150 family	No deductible
Annual Maximum Total amount the Plan will pay in a year	$1,750 maximum per year per covered person This includes costs for services that are fully covered (100%), but it does not include orthodontic services.	No limit
Orthodontics Eligibility	Children under age 19	Adults and children
Orthodontics Out-of-Pocket Maximum	No limit	$2,400 copay per person and one orthodontia treatment per lifetime
Orthodontics Lifetime Benefit Maximum	$1,750 per lifetime for children under 19 years old	No limit
Out-of-Network Benefits	Visit any licensed dentist for care. You will typically pay lower out-of-pocket costs if you choose a dentist who participates in the network.	Contact Aetna at 1-800-243-1809 for state-required benefits
Referrals	None required	Referrals are required, except when you visit an orthodontist in the DMO Plan network
Cost Sharing	Coinsurance The percentage of covered expenses you pay	Copay The amount you pay at the time of service

2025 Monthly Dental Rates for Active Participants

Full-time Active Participants	DPPO Plan	DMO Plan
Participant only	$12.55	$9.37
Participant + spouse/domestic partner	$26.75	$19.93
Participant + child(ren)	$40.08	$22.56
Participant + family	$54.20	$33.11

Part-time Active Participants >

Who can be covered by the Dental Plan?

Dependent Eligibility >

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2025 AEP Benefits >

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This guide is not intended to be a Plan document, Summary Plan Description, or required notice with respect to any of the Plans mentioned. AEP reserves the right to modify, amend, suspend, or terminate the Plans at any time. Refer to the applicable Plan document if you have any questions relating to a specific Plan or benefit.