What are the differences between the DMO and the PPO/Out-of-Area Plans?
With the Dental Maintenance Organization (DMO) Plan, participants are covered for a broad range of services. Your copayments for covered services are “fixed” and are based on a “fixed” schedule. The DMO network is smaller when compared to the PPO network. However, there are over 22,000 DMO providers nationwide making Aetna’s DMO network the largest in the country. Additionally, discounts are greater than the PPO, ranging from 35-45 percent off average charges. With the Dental PPO and Out-of-Area Plans, you have the freedom to choose any licensed Dentist for covered expenses and pay deductibles and coinsurance up to an annual maximum. Generally, you will receive a higher level of benefits when you utilize an Aetna network dental provider. Aetna’s PPO dental network includes over 63,000 dentists nationwide who provide, on average, a 27 percent discount off average charges.
