Business and Chamber Members
DentalOnetoTen

 

Dental Plans for 1 - 10 Employee Groups

All of the CIT plans offer broad coverage, flexibility, affordable group rates, and place an emphasis on preventive care.

Freedom of Choice Plan: This plan is a combination of a DMO plan with a PPO plan and offers a choice of two plans with the administrative ease of one. Premium rates are the same regardless of the plan (DMO or PPO) selected, and you may switch between the DMO and PPO plans on a monthly basis. Changes made by the 15th of the month will be effective the 1st of the following month.

To qualify for Aetna Dental® DMO (Dental Maintenance Organization) benefits, dental services must be provided by a primary care dentist (PCD) selected from the Aetna network of participating DMO dentists. Each family member may choose a different PCD, and there are no deductibles, calendar year maximums* or claim forms for services provided by a participating PCD while the person is covered under the DMO benefits of the Freedom of Choice plans. Referrals and pre-authorization are only required for specialty care. * Age and frequency limits may apply.

Under the Aetna Dental® Preferred Provider Organization (PPO) plan, you may choose at the time of service either a PPO participating dentist or a non-participating dentist. Deductibles, coinsurance and annual maximums apply, and coinsurance levels vary based on whether services are rendered by a participating or non-participating dentist. No referrals are required. Participating dentists are not permitted to balance bill. PPO benefits for care received from non-participating dentists are subject to reasonable and customary charge limits.

PPO Max Plan: This plan allows you to choose at the time of service either a PPO participating dentist or a non-participating dentist, and offers more affordable rates than the Freedom of Choice plans. When you choose to receive services from a non-participating dentist, however, the service will be covered based on the negotiated rate of the PPO fee schedule applicable to participating general dentists in the same geographical area, rather than the usual and customary charge. This means that you will share in more of the costs and will be balance billed by the dentist. No referrals are required and there is no need to choose a primary care dentist.

Passive PPO Plan: This plan also allows you to choose at the time of service either a PPO participating dentist or a non-participating dentist. Benefits for care from non-participating dentists are subject to reasonable and customary charge limits.

Savings are possible with the Freedom of Choice DMO & PPO plans, the PPO Max plan and the Passive PPO plans, because the DMO and PPO participating dentists have agreed to provide care at a negotiated fee schedule. Participating dentists in the DMO and all of the PPO plans have agreed not to balance bill insureds and will submit claims for the insured.

Rates are guaranteed through June 30, 2018:

 Connecticut  Massachusetts New York 
  CT - Freedom of ChoiceCT - PPO Max MA - Freedom of Choice  NY - Passive PPO
 Employee Only $54.71 $47.55$41.43 $74.05
 Employee & Spouse $106.68 $92.71$80.80 $144.38
 Employee & Child (ren) $103.92 $90.30$78.73 $140.63
 Full Family $155.92 $135.48$118.09 $210.99
   *all plans subject to $7.00 billing fee *all plans subject to $7.00 monthly billing fee *all plans subject to $7.00 monthly billing fee