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Home » » NAF Benefits

Passive PPO Dental Plan Information

Q: "What is the Passive PPO Dental Plan?"

A: The Passive PPO Dental Plan is the dental plan offered through Aetna that is bundled with the Aetna NAF HBP medical coverage as well as some HMOs that do not offer dental coverage to include: Aetna HMO NCR, Aetna HMO New Jersey, Scott and White, Kaiser Mid-Atlantic and Capital Blue Cross.

Q: "What makes this dental plan 'Passive'?"

A: A Passive Dental Plan means that you are not limited to only seeing in-network providers for your dental care, the plan will pay at the same level of benefits. However, the difference lies in the fact that if you do visit in-network providers, you will benefit from a lower negotiated rate that the dentist and Aetna have agreed to. If you choose to visit an out-of-network dentist, there are no negotiated rates, you will be subject to what the reasonable and customary charges are for that particular service in your specific area.

Q: "How are claims filed under the Passive PPO Dental Plan?"

A: If you visit an in-network dentist, they will normally file the claim for you. If you choose to visit an out-of-network dentist, you will have to pay out of pocket for the dental services, fill out a Dental Form and send it in to Aetna with the required supporting documentation for reimbursement.

Important Information about the Passive PPO Dental Plan: