TriNet Dental

The TriNet dental carriers—Aetna, Delta Dental, Guardian and MetLife—each offer two national dental PPO plans. In addition, Aetna and Delta Dental offer a DMO in many states.

Feature	Deductible In-Network	Preventive Services In-Network	Other Services In-Network	Orthodontia Coverage
*PPO 50 PPO**	$50 single/$150 family	Fully covered	10%–35%	Yes
*PPO 100 PPO**	$100 single/$300 family	Fully covered	30%–50%	No
DMO**	None	Fully covered	Copays vary according to schedule	Yes
This chart reflects in-network benefits and is only a summary. The TriNet plan document and the carrier certificates shall govern in the event of any conflict. Aetna, Delta Dental and Guardian PPO plans are available in all states. MetLife PPO plans are available in all states except Florida. *Available in select states. The Aetna DMO^® is provided in the following states: AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, MA, MI, MN, MO, NE, NC, NM, NV, NJ, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI, WV. The DeltaCare^® USA DMO is provided in the following states: AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, NC, NH, NV, NJ, NM, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, WA, WI, WV.

So, which TriNet dental plan is right for you?

As you consider each option, keep in mind that:

The number in a TriNet dental PPO plan name indicates the plan’s in-network calendar year deductible amount.
Generally, the TriNet plan with a higher deductible will cost less in monthly premiums, but you may pay more out-of-pocket when you receive dental services because you must satisfy a higher deductible.
If you elect a DMO, you are required to access care through a participating dentist in the carrier’s DMO network.
Under the Guardian dental PPO, you will receive an annual maximum rollover account that allows you to roll over a portion of the annual benefit maximum you do not use in a calendar year. Learn more about Guardian's advantages.

See tips for choosing dental coverage.

What is a Dental PPO or DMO?

Dental PPO: Gives you the flexibility to receive care from any provider, but features a network of providers who agree to charge reduced rates negotiated by the carrier. Once you meet the plan's deductible, the plan benefits will take effect and you typically pay a percentage for the cost of most services, called "coinsurance." (You can also receive care from out-of-network providers, but you pay a lower percentage when you see providers in the plan's network.)

DMO: Offers care through a network of providers, but no benefits are paid for care received outside the plan's network. For most services, you will pay a flat fee called a "copay."