Dental Maintenance Organization ( DMO ®) A DMO * is a lower-cost dental benefits and insurance plan . You choose a primary care dentist . If you need to see a specialist, your primary care dentist gives you a referral. You get peace of mind with no deductibles or annual maximums.
However, out of pocket costs are generally lower with HMO/ DMO plans than PPO plans, and have fixed co-payments. Having a PPO plan allows you to access a larger number of dentists providing higher quality care, but sometimes at a greater out-of-pocket cost.
A dental preferred provider organization ( PPO ) is much less restrictive than its DMO counterpart. You can generally visit any dentist you want who is willing to accept the insurance , and you don’t need a referral to see a specialist.
Most of Aetna’s traditional medical plans do cover replacement of teeth as a result of a non-biting injury. These plans do cover the replacement of teeth whether accomplished by fixed or removable prostheses or by surgical placement of a dental implant body.
Aetna DMO is a network-only plan*. That means, the plan covers dental care services only when you see a dentist who participates in the Aetna network. When you see an out-of-network dentist , you will have to pay all of the costs for the services.
These services include: Crowns and fixed bridgework, when the teeth were prepared before your Aetna coverage began. Appliances (such as dentures), when the impression was taken before your Aetna coverage began. Root canal therapy, when the tooth’s pulp chamber was opened before your Aetna coverage began.
Indemnity insurance is as close as you’re likely to come to getting dental insurance that covers everything . With indemnity dental insurance , you can visit any dentist – there are no networks or approved providers.
Best Overall: Cigna 2 Their dental plans work within a nationwide network of over 93,000 dentists, and they offer phone support from 8am to 8pm every day of the year. Furthermore, Cigna dental insurance for individuals comes with no copays and no deductibles for preventive care with in-network dentists.
Costs of preventive services like oral exams, routine cleanings and X-rays. Basic care such as emergency care for pain relief, nonsurgical extractions and fillings. No waiting period for preventive care services. Access to the nationwide Humana PPO dental insurance network of more than 70,000 dentist locations*
Aetna Dental Savings Plan In most instances, members save 15-50 %* per visit on dental services including: braces, cleanings, x-rays, root canals, crowns, dentures, implants and more! Save at general dentists and specialists such as Endodontist, Orthodontist, Periodontists , Oral Surgeons and other specialists.
Under the Dental ® Preferred Provider Organization ( PPO ) plan, you may choose at the time of service either a PPO participating dentist or any nonparticipating dentist. With the PPO plan, savings are possible because the participating dentists have agreed to provide care for covered services at negotiated rates.
Concluding Thoughts on Aetna Dental Statistics show that those who have dental insurance benefits have markedly improved overall health. Aetna provides affordable dental insurance options to lower the expense of any dental procedures you need significantly.
One option is to consider medical insurance as a reimbursement option. Many procedures performed in the dental office, including implants , may qualify for medical insurance . Medical insurers may reimburse for implants if oral disease complicates or causes other medical problems.
In travel and tourism terms, DMO stands for Destination Marketing Organization. They represent destinations and help to develop their long-term travel and tourism strategy.
Surgical dental extractions are considered dental in nature. They are typically covered under an Aetna dental plan . There are exceptions, however. To verify whether your dental or medical plan may cover surgical extractions , call Member Services.