Preferred Provider Organization (PPO) is one of the dental insurance plans that can provide you the flexible dental plan options. Aetna Dental Insurance Providers offer you a clear plan with affordable cost. You can get some benefits by having the dental assurance.
What are the plan features they provide?
The company offers several benefits for the member. First, members can visit any licensed dentists. They do not have to get a referral. Second, the company provides the plan with coverage for preventive, basic, and major services. Last, they provide the contracted rates with the network dentists lower than their standard regular fees. It means you can save money if you stay in their network.
What are the plan options available?
They provide several options for the plans to complete the members. You can choose from coinsurance levels, deductibles, or maximum and benefits levels. Alternatively, you can choose from self-funded to fully insured options. The options include the Aetna Dental Care Reward Plan and Aetna Dental Fund plan.
What are their most common structures in your plans?
There is a passive program they can provide. It offers deductible, and coinsurance amounts are the same for the In-network and out-of-network services. The second structure is the existing plan, which deductible and coinsurance amounts are different for both In-network and out-of-network services. The last is the PPO Max plan that works for members who want to use the non-participating dentists. Aetna Dental Insurance Providers can reimburse based on the negotiated fee, and it can be balance-billed by your dentist.
How much are the cost savings?
They provide a PPO plan to members who pay 50% or more of the premium. You can ask about the low-cost PPO plan, Aetna Dental Preventive Care. Their PPO II network is the vendor-based network that can add thousand PPO dental practice locations. It means they provide you greater access to dental services with contracted rates.
You can choose two plans, the Freedom-of-Choice with one premium and two plans. It allows you to switch between a DMO and dental PPO or indemnity dental insurance plan options. They also offer the binary choice with two premiums and two plans. It allows you to choose an Aetna DMO or dental PPO or indemnity plan at enrollment. However, they do not provide a monthly switch.
The difference between the Freedom-of-Choice and the Dual Choice is about the networks, plan options, funding, PCP and plan maximum. They do not provide a network for indemnity in double options. For the Freedom-of-Choice, they have DMO and PPO, Aetna Dental PPO II as the vendor-based networks. The Freedom-of-Choice for the plan options does not provide the deductible offer. The Funding of DMO is fully insured. There is no plan maximum in the DMO. Meanwhile, the funding in the Dual Choice is entirely or self-funded, especially for the PPO and an indemnity. No PCP requirement for the PPO or indemnity they can provide. However, they offer the plan maximum for the PPO or the compensation.
Those are about the Aetna Dental Insurance Providers PPO plan complete guide and review.