Retiree Dental

Retiree dental coverage, offered through Aetna, is designed to promote good dental health for you and your eligible dependents.


If you’re eligible for retiree medical coverage (that is, you are Medicare-eligible and meet the applicable age and service requirements), you’re eligible for retiree dental coverage. See Retiree Medical and the Dental Expense Plan Summary Plan Description (SPD) for details.

Coverage Options and Costs

Coverage Options

Understanding Your Retiree Dental Plan Options
Depending on your home ZIP code, you may have the following retiree dental plan options:

  • Dental Preferred Provider Organization (PPO) option (available in all ZIP codes): This option pays 100 percent of covered diagnostic and preventive services. After you meet the deductible, it pays a percentage of other covered services, up to an annual maximum. You may visit any dentist and receive benefits; however, you will receive a higher level of benefits if your dentist is in-network.
  • Dental Maintenance Organization (DMO®) option (if available in your home ZIP code): This option provides coverage through participating personal and specialty dentists with no deductible and lower out-of-pocket expenses for most services. This option covers 100 percent of certain basic and specialty services and 50 percent to 75 percent of others. To receive coverage, you must visit a dentist who participates in the Aetna DMO network.

The options vary by:

  • The deductible amount;
  • Annual benefit maximum amounts;
  • Coverage provided for certain dental services; and
  • The process for filing claims.

For more information about your dental coverage options, review the Dental Expense Plan SPD or contact the carrier.

Important: You cannot switch between the Dental PPO and DMO options during the year, unless you experience a Life Event (qualified status change). See Changing Coverage for more information.

If you need dental work costing over $200, you should determine, before treatment begins, what is covered and how much your dental plan option will pay. Please see “Predetermination of Benefits” in the Dental Expense Plan SPD, or contact the carrier.

Note: You will not receive an Aetna member ID card and you do not need one to receive care. However, if you would like to have a member ID card, you can print one out from the Aetna website.

To find a dentist in either the PPO or DMO network:

Note: It is always a good idea to confirm with your dentist that he or she participates in your dental plan option before scheduling an appointment.


For your specific costs, visit the YBR website.