Dental Plans

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New Dental Plans, More Reasons to Smile

2 new Dental Plan options will be available in 2026, both offering the broad Aetna Dental PPO network:

Base Plan

The Base Plan provides coverage similar to the current PPO Plan, has lower employee contributions, but does not include orthodontia coverage.

Buy-Up Plan

The Buy-Up Plan provides expanded benefits, including orthodontia coverage for both adults and children with a higher lifetime maximum of $2,500.

Who can be covered by the Dental Plan?

Dependent Eligibility >

Compare the Plans

Dental Plan Details	Base Plan	Buy-Up Plan
Annual Deductible (The amount you pay before the Plan pays.)	$50 employee only/$150 family	$25 employee only/$75 family
Maximum Annual Benefit (The maximum amount the Plan will pay in a year. Includes costs for 100% Plan-paid services, excludes orthodontia.)	$1,500 maximum per year per covered person	$2,500 maximum per year per covered person
Preventive Care	100% covered, no deductible (Subject to frequency limits)	100% covered, no deductible (Subject to frequency limits)
Basic Services	80% after deductible	90% after deductible
Major Services	50% after deductible	60% after deductible
Orthodontics coverage	None	60% adults and children
Orthodontics lifetime benefit maximum	N/A	$2,500 per covered person
Out-of-network benefits	Visit any licensed dentist to receive benefits. You will typically pay lower out-of-pocket costs if you choose a dentist who participates in the Aetna Dental network.	Visit any licensed dentist to receive benefits. You will typically pay lower out-of-pocket costs if you choose a dentist who participates in the Aetna Dental network.
Procedures NOT covered	You are responsible for the cost of procedures not covered by your Plan. Note: Aetna’s Preferred Dental Program dentists offer discounts on procedures not covered by the Plan.	You are responsible for the cost of procedures not covered by your Plan. Note: Aetna’s Preferred Dental Program dentists offer discounts on procedures not covered by the Plan.

Monthly Employee Contributions	Base Plan	Buy-Up Plan
Employee only	$11.92	$16.85
Employee + spouse/domestic partner	$25.33	$35.80
Employee + child(ren)	$38.07	$53.80
Employee + family	$51.48	$72.76

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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.