Dental

Chubb offers two plans covered by Aetna to help you maintain a healthy smile. You share the cost of dental insurance with Chubb in Pretax payroll deductions.

PPO plan, you will pay less when you use a dentist in Aetna’s network.
Dental HMO plan (DHMO), you must use a dentist in the DHMO network. There is no out-of-network coverage under the DHMO.

Annual deductible (employee only/family)

Annual maximum benefit

You pay 20%, plan pays 80%

Co-pays vary by service

You pay 50%, plan pays 50%

Co-pays vary by service

Orthodontia lifetime maximum

None, limited to one treatment per member

Adult and child

Out-of-network 1

Annual deductible (employee only/family)

Annual maximum benefit

You pay 20%, plan pays 80%

You pay 50%, plan pays 50%

Orthodontia lifetime maximum

Adult and child

1 Under the PPO Plan, out-of-network benefits are paid at the Usual and Customary (U&C) reimbursement rate, so you may be balance-billed if charges exceed the U&C reimbursement rate.

Find a dentist

PPO plan

In this plan, you will pay less when you use a dentist in Aetna’s network.

Get Started

To find a participating dentist near you, visit aetna.com/docfind and search the “Dental PPO/PDN with PPO II” network. As you begin your search, you’ll be asked to “Select a Plan” from the drop-down list.

DHMO plan—only network providers covered

In this plan, you will need to choose a primary care dentist to coordinate your care, and only care you receive in the plan's network will be covered. It’s a good idea to confirm your dental provider is in the “DMO®/DNO” network before you enroll or receive services. If your provider decides not to participate in the DHMO network mid-year, you will not be able to change your plan until the next Annual Enrollment window unless you experience a qualifying life event.

Dental premium rates

Plans & coverage tiers

Aetna DHMO Dental Plan