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

Keep in Mind

Enroll Now

2022: Your Cost for Coverage

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

Dear Team Member,

The last 18 months have pulled us in all sorts of directions and presented several new challenges. Many of you have had to adapt to an ever-changing lifestyle that includes homeschooling kids, working overtime, taking care of loved ones, and worrying about finances. At Grainger, we recognize the toll these changes take on your personal wellbeing. And while I’m proud to say you’ve continued to provide exceptional customer service despite these challenges, it’s just as important to put the same attention on yourself.

We want you to be your best, not only at work but at home. That’s why we’ve made some enhancements to our benefits programs to better support your emotional, financial, physical, and social wellbeing. These new programs will provide access to short-term cash, one-on-one financial coaching, or stress management support. Over the last year, we built a strong foundation of wellbeing resources to ensure you have more choice and flexibility with your benefits.

This Annual Enrollment Decision Guide will help you navigate the robust benefits that Grainger offers and support you in making your elections for 2022. Annual Enrollment will run from October 11 to 29, 2021. Now is the time for you to take action for you and your family’s wellbeing. We have more plans underway to continue to enhance our wellbeing offerings and we’re excited to share these with you soon.
As always, thank you for all you continue to do for each other, our organization, and our customers.

Stay well,
Kathleen Carroll
SVP & Chief Human Resources Officer

CONNECT WITH ME:
LinkedIn: Kathleen Carroll
Instagram: @KathleenSCarroll
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