Dental Benefits

Caring for your teeth and keeping your smile healthy can help ensure the rest of your body stays healthy as well. All GW faculty and staff are eligible to choose from three dental plan options.

The GW dental plans are “stand-alone” plans, so you can enroll in dental coverage whether or not you have medical coverage through GW.  Note: Aetna does not issue ID cards because ID cards are not needed to receive dental care.  Please reference the Aetna Dental Wallet to learn about proof of coverage options which include instructions on how to print an ID card for those who prefer a hard version. 

We offer three different dental plan designs to choose from. All are with Aetna:

Aetna Low PPO Plan

As with any Preferred Provider Organization (PPO) plan, the Aetna Dental Low PPO plan is designed to provide you with a greater level of coverage for using service providers within the Aetna network. Some coverage is available for providers outside the Aetna network; however any services you receive from an out-of-network provider will be paid only at the “Reasonable and Customary” amount. The Low Option provides you with preventive and basic coverage and has a lower premium.

Overview

Aetna has prepared two helpful documents for your review. The Low PPO Plan Summary (PDF) provides summary information on coverage and services. The Low PPO Benefit Booklet-Certificate (PDF) provides an in-depth look at what your plan covers and how benefits are paid.

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Aetna High PPO Plan

As with any Preferred Provider Organization (PPO) plan, the Aetna Dental High PPO plan is designed to provide you with a greater level of coverage for using service providers within the Aetna network. Some coverage is available for providers outside the Aetna network; however any services you receive from an out-of-network provider will be paid only at the “Reasonable and Customary” amount. The High Option provides you with a greater level of coverage, and therefore carries a higher premium.

Overview

Aetna has prepared two helpful documents for your review. The High PPO Plan Summary (PDF) provides summary information on coverage and services. The High PPO Benefit Booklet-Certificate (PDF) provides an in-depth look at what your plan covers and how benefits are paid.

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Aetna DMO Plan

You also have the option of selecting coverage through the Aetna Dental Maintenance Organization (DMO), which provides benefits in a similar manner to an HMO medical plan. You must elect a Primary Care Dentist (PCD) from within the Aetna network to coordinate all your dental care.

If your PCD believes you need to visit a dental specialist, he or she will refer you to a specialist in the DMO network. The DMO does not provide coverage outside the Aetna network. There is no deductible to meet under the DMO, nor is there an annual maximum coverage amount. Office visits require a $5 copay. Orthodontic services are available for both adults and children, and require a $2,300 copay.

Overview

The DMO Plan Summary (PDF) provides a list of procedures, codes and amounts paid by the patient. In addition, it outlines plan exclusions and limitations.

The DMO Benefit Booklet-Certificate (PDF) provides an in-depth look at what the plan covers and how benefits are paid.

Aetna has also prepared a DMO Myths & Facts Information (PDF) to highlight five common myths about managed dental benefits and insurance plans.

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How to locate In-Network Dental Providers

Rates and Contribution Information

A detailed look at rates and employee contributions for GW's dental plans can help to make an informed decision on a plan that is best for you. Information on dental coverage follows medical coverage.

Filing a Claim

The Aetna Dental Claim (PDF) will need to be completed for any out-of-network claim and/or if you do not have your card with you at the time of purchase and need to have claims reprocessed after receiving a card.

Other helpful resources

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