2026 Dental Benefits
Apple Bank offers dental coverage administered by Aetna. The plans encourage you to maintain good dental health by paying 100% of the cost for preventive care such as routine checkups and cleanings, up to 2 times per year.
You can choose from three dental plans:
- Dental Maintenance Organization (DMO) Plan*
- Dental PPO Plan
- Dental PPO Plus Plan
Each type of plan has unique advantages. Understanding the differences between them can help you choose the coverage that best meets the needs of you and your family.
| Plan | Plan Features |
|---|---|
| DMO Plan | • Provides benefits only if you see an in-network dentist • Requires you to choose a primary care dentist to coordinate all of your care • Has no deductible • Provides benefits based on a copay schedule |
| PPO Plan & PPO Plus Plan |
• Allows you to receive care from a dentist in the network or outside the network • Pays a portion of your expenses after you meet your annual deductible, except for preventive care, which is covered at 100% |
* The DMO is not available in all states.
| Aetna | DMO | PPO Plan | PPO PLUS Plan | ||
|---|---|---|---|---|---|
| Benefits | In-Network Only |
In- Network |
Out-of- Network |
In- Network |
Out-of- Network |
| Annual Deductible (Individual/Family) | N/A | $50 / $150 (Waived for Preventive) |
$50 / $150 (Waived for Preventive) |
||
| Preventive | 100% | 100% | 100% | 100% | 100% |
| Basic Services | 100% | 80% | 80% | 80% | 80% |
| Major Services | 50% | 50% | 50% | 50% | 50% |
| Orthodontia (child to age 19) | 50% | 50% | 50% | 50% | 50% |
| Child Orthodontia Lifetime Maximum | 24 months service / 24 months of retention |
$1,000 | $1,500 | ||
| Annual Maximum (per person) | None | $1,000 | $2,000 | ||
| Out-of-Network Reimbursement Level | N/A | N/A | 90th Percentile | N/A | 90th Percentile |