Dental Overview

Keep up with your dental checkups – they’re vital to your overall health and wellbeing

Good dental care goes beyond keeping your smile bright; research shows a strong connection between oral health and overall health. Regular checkups help your dentist spot problems that could lead to serious medical problems if not addressed. 

How It Works

  • Most team members can choose from two dental plan options: the Preferred Provider Organization (PPO) Plan and Dental Maintenance Organization (DMO) Plan*, both administered by Aetna.
  • Both plans pay 100% for preventive services. For other dental services, the benefits and out-of-pocket costs differ by plan.
  • Team members who enroll in the Aetna DMO must select a primary care dentist (PCD).

Dental Snapshot

Who is eligible?

Your costs

Grainger pays the larger share of your dental costs. You pay your share in two ways:

  • Premium contributions: You pay a portion of the dental insurance premium through pretax deductions from your pay. The amount depends on the plan you choose and your coverage tier.
  • Out-of-pocket costs: If and when you receive care, you will pay a portion of those expenses through an annual deductible and/or coinsurance.
  • When choosing a dental plan, look at the total cost – premiums plus out-of-pocket costs. Premiums are fixed, but out-of-pocket costs vary depending on whether you use your benefits a little or a lot.

What to do

  • For both plans, compare your cost for coverage and your out-of-pocket costs for dental services.
  • If you enroll in the DMO, you must elect a primary care dentist for you and every covered family member. Confirm your provider participates or locate a provider in your area using Aetna’s provider directory.
  • Take advantage of twice-yearly dental cleanings, paid at 100% with either the PPO or DMO.
  • Consider using a Flexible Spending Account to reduce the amount you pay for dental expenses.

Plans at a Glance

Here’s a high-level look at how the PPO and DMO dental plans compare on several key features.

PPO​ Plan DMO ​Plan

Annual Deductible

You pay $25 per individual

You pay $0

Choice of Providers*

Choose in-network providers for discounted rates
or go out-of-network.

You must use the DMO primary care dentist you select when you enroll.

Balance billing Out-of-network providers may bill you for the difference between their charges and the amount Aetna covers. Not applicable

Preventive Services
Oral exams, scaling, polishing, children’s fluoride treatments, certain X-rays and up to two cleanings per year

Plan pays 100%

Plan pays 100%

Basic Restorative Services
Extractions, periodontics, cavity fillings and more

Plan pays 80%

Plan pays 100%

Major Restorative Services
Crowns, tooth implants, dentures, root canals, inlays, onlays and more

Plan pays 50%

Plan pays 60%

Maximum Benefit
for basic and major restorative dental services per covered participant each calendar year

Plan pays $1,750

No limit

Orthodontic Services

Plan pays 50%

Plan pays 60%

Maximum Lifetime Orthodontic Benefit
Treatment plus 24 months of retention

$2,000

24 months of comprehensive orthodontic​​

*The DMO Plan is not offered in Alabama, Alaska, Arkansas, Iowa, Louisiana, Maine, Mississippi, Montana, New Hampshire, North Dakota, South Carolina, South Dakota, Vermont or Wyoming.

Note: Benefits may differ for team members outside the continental U.S.

 

Contacts

Aetna Dental

1-877-238-6200

When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers

Videos

Profit Savings Plan

Retirement Benefit Questions (65+/Medicare-eligible [including disabled early Medicare eligible] and pre-65 eligible retirees/dependents)

Medicare Plan Options Questions (65+ or early Medicare retirees with or without Grainger Retiree Health)

Questions

Connect with a Benefit Pro

Access the Provider Search Tool

Contacts

Aetna Dental

1-877-238-6200

When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers

Videos

Profit Savings Plan