Aetna offers four different types of plans for businesses offering dental insurance. These include an HMO or PPO, Indemnity Plan and a Hybrid Plan. They no longer offer plans to individuals purchasing dental insurance in California.
Aetna calls this plan a DMO or Dental Maintenance Organization. They assign you a Primary Care Dentist (PCD) who cares for most of your dental needs, with referrals to specialists going through your PCD. This plan is the least expensive out of all their insurance options.
The Aetna PPO allows you to use any dentist of your choice, with discounts on plan services if you use a dentist in the Aetna network, such as those at the Sacramento Dentistry Group. While you pay more in premiums than under the DMO plan, you have greater flexibility, especially in your choice of dental specialists.
Under this plan, an employer can offer workers participation in the Aetna DMO or an indemnity plan, which is similar to self-insurance. If an employee chooses the indemnity option, they cover their own dental costs and are reimbursed afterwards in accord with the dental insurance policy limits. The indemnity plan is useful for workers who have their own dentist and do not want their dentist selected for them by Aetna. DMO participants have all the benefits of the Aetna DMO plan.
The Hybrid Plan is also a business option. Under this plan, employers may offer either the Aetna DMO or the Aetna PPO dental insurance plans. This allows employees with their own dentist to select the PPO option and employees without a preferred dentist to select the cheaper DMO option.
Aetna has one of the largest selections of insurance plan options for business owners offering healthcare benefits. While the Sacramento Dentistry Group recommends the PPO insurance method, Aetna’s variety means that an employer is likely to find a match for their specific needs at Aetna if other plans have failed to provide a useful offer.