What is DMO dental coverage?

DMO is acutally a trademark of Aetna for their dental HMO; the rest of the dental benefits industry uses the term DHMO. Dental HMOs have the lowest premium cost of all dental insurance products and usually have no annual maximum benefit. The trade off is that a dental HMO requires that you use a dentist on their list to receive care. Your cost in a dental HMO (DMO) is usually listed as a specific dollar amount for each procedure, such as office visit, x-rays, cleaning, fillings, root canals, etc. The Aetna website describes their DMO as follows: Aetna DMO Dental requires the selection of a Primary Care Dentist from an established network. Preventative care is covered once every six months at 100%. Basic restorative services and major restorative procedures are covered after a scheduled co-payment amount is paid. All services must be provided by your Primary Care Dentist. Specialty care is referred by the Primary Care Dentist to a network specialist. Orthodontic coverage is available to all enrolled employees and their eligible dependents. Evelyn F. Ireland, CAE; Executive Director, National Association of Dental Plans