Aetna Health Insurance Plan Options - Dental PPO Plan

Consider Optional Dental Coverage

You can elect Aetna-underwritten dental coverage, in addition to any of the medical/drug combinations you choose. Even if you did not select the dental plan last year, you have another opportunity to elect Emeriti dental insurance for 2008.

NOTE: You cannot select the dental plan as a stand-alone option.

For detailed information about the provisions of the dental plan, click here.

How Dental Coverage Works:

• If you elect this coverage, you will pay the premiums through your Health Account, just as with your Emeriti health insurance
• If your (over-65) spouse is also covered under Emeriti, you will both have to elect dental coverage, since Emeriti requires that both of you elect the same options.
• If your spouse and/or eligible dependent children are covered under an Emeriti pre-65 plan, dental coverage will be available for them too

Under the Aetna Dental^® Preferred Provider Organization (PPO), you may choose at the time of service either a PPO participating dentist or any non-participating dentist. With the PPO plan, savings are possible because the PPO participating dentists have agreed to provide care at negotiated rates. Non-participating dentists will only be paid based on the standard negotiated rate provided to participating general dentists in the same geographic area. You will need to make up any difference between what Aetna pays and what the non-participating dentist charges.

To calculate the monthly premiums for the different 2008 Emeriti Health Insurance Plan Options, including dental coverage, use the Emeriti Online Premium Rate Guide.

Emergency Dental Care
When emergency services are provided by a participating PPO dentist, your copayment/coinsurance amount will be based on a negotiated fee schedule. When emergency services are provided by a non-participating dentist, you will be responsible for the difference between the plan payment and the dentist’s usual charge. Covered emergency services may vary, based on state law.

The information above is subject to change without notice. In case of a conflict between your plan documents and this information, the plan documents will govern.

Dental plans are provided or administered by Aetna Life Insurance Company, Aetna Dental Inc., Aetna Dental of California Inc. and/or Aetna Health Inc.

In Texas, the Dental Preferred Provider Organization (PPO) is known as the Participating Dental Network (PDN), and Indemnity Dental plans are provided or administered by Aetna Life Insurance Company.