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Dental DMO FAQ Video



Welcome to Aetna FAQ Theatre, where we answer the most frequently asked questions people just like you have about Aetna’s dental benefits and insurance plans. I’m David, and this episode is about Aetna’s DMO. Let’s get to it. Our first question comes from Renee.

David, what’s a DMO?

Okay. Good question. DMO stands for Dental Maintenance Organization. Select a primary care dentist from Aetna’s network, and you get a lot of coverage and great care with an affordable price tag. Next question, please.

If I join the DMO, can I still see my dentist? She gives me a free toothbrush every year.

Yes, if your dentist is in the network. Aetna has one of the largest DMO networks in the business, over 81,000 available dental practice locations across the country. Just visit Aetna.Com and use the DocFind tool to see if your dentist is in the network, or to find a list of dentists in your neighborhood who are. Many of whom can probably float you a toothbrush every now and then.

What if I choose a new dentist and then find out that I hate the new dentist?

If for some reason you don’t hit it off with the dentist you choose, you can change dentists every month, and it’s really easy to do. You can find and change dentists at Aetna.Com, even on your smartphone.

My husband and I have three kids and a dog. Will I need to find one dentist we can all be happy with?

Each member of the family can have his or her own primary care dentist. Well, except for Sparky. And by the way, the DMO is a really good idea for families. The savings really add up compared to a traditional dental plan, especially if your kids need braces. The DMO has great orthodontia coverage, and you don’t even need a referral from your primary care dentist. Just see an in-network orthodontist.

With my old plan, I had to pay a bunch of money before the insurance kicked in. Deductible? Yeah, that’s it. How big is the DMO’s deductible? Pretty big?

The DMO has no deductible. You’re covered from day one. Even better, preventive care, like exams, x-rays, and cleanings, is almost always covered 100 percent. If you need more advanced care, like fillings or crowns, those are most likely covered at a higher percentage than in other plans, saving you even more.

People think it would be so great to have my job, but being a professional candy taster isn’t all gumdrops and lollipops. It’s also tooth decay. Sweet, sweet tooth decay. I need a lot of dental treatment. Will that be a problem?

Actually, the DMO can be a great option for you. Unlike most conventional plans, the DMO has no annual dollar maximum. So, regardless of how many times you need to see the dentist or how much work you need, you’re still covered, even through the holidays. Even if you need to see a specialist. And it seems like you might. Your primary care dentist will refer you to one. Plus, with low copays and co-insurance, the DMO makes it easy to plan your expenses and keep your out of pocket costs under control.

I’m a single guy in my 20s. I can’t remember to floss regularly let alone make a dentist appointment. Wouldn’t I be better off dropping dental coverage and taking that money to Happy Hour?

No. You really do want to have dental, and you really ought to be flossing regularly. And getting regular cleanings. Listen, you sound like someone who’s probably in line for a cavity or seven. When your teeth start to hurt, and they will, you’ll be glad that you paid the lower monthly premium to have the DMO. Trust me.

Are there a lot of forms to fill out? I really like forms.

Oh. Sorry, but no. There aren’t any forms when you see a primary care dentist. Just let your dentist know that you’re a DMO plan member, and they take care of the rest. No claim forms or reimbursement hassles.

I’m still undecided. Could you run over the main points again, maybe with bullet points? But instead of bullets, could you use little pictures of teeth?

Yeah, I think I can handle that. Aetna’s DMO offers over 81,000 dental practice locations to choose from, has a lower monthly premium than a typical dental plan like a PPO, has no deductible, no annual dollar maximum, no claim forms when you visit your primary care dentist, low out of pocket costs for most services, and 24/7 access to plan information and a whole lot more at Aetna.Com.

Well, that’s Aetna’s DMO, and I’m David, signing off. 



Exclusions and Limitations

Some services not covered are:





a) a non-occupational disease; or

b) a non-occupational injury.






8. Those for any of the following services:






























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