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Your choice, your way
The Dental Expense Plan is offered exclusively to retired SHBP and SEHBP members. This nationwide plan is great for members who like the freedom to go in and out of network.
Choose from the Aetna nationwide network of participating dentists. Visit our custom Provider Search to find a dentist by name or by ZIP code.- Visit any dentist in or out of network
- No referrals
- Preventive care is not subject to the deductible
- Annual maximum is combined for in and out of network
- Orthodontic services are not covered under the Retiree DEP dental plan
How the Aetna Retiree DEP Plan works:
Table of plan details. Tier 1 Tier 2 Tier 3 In network Out of network In network Out of network In network Out of network Deductible $50 Single, $150 Family $50 Single, $150 Family $50 Single, $150 Family $50 Single, $150 Family $50 Single, $150 Family $50 Single, $150 Family Preventive 80% 70% 90% 80% 100% 90% Basic Services 50% 50% 60% 50% 70% 50% Major Services 30% 20% 40% 30% 50% 40% Annual Maximum $1500 $1500 $1500 If you go out of network, you are responsible for the amount the dentist charges above the reasonable and customary allowance.
Understand your benefit tier.
- Tier 3 — If you have prior group dental coverage, this is the highest benefit tier. This applies if you were covered by another group dental plan for at least 12 months within 60 days before you signed up for the Retiree Dental Expense Plan. Then you would be enrolled in Tier 3.
- Tier 1 — If you did not have dental coverage, this is the lowest benefit tier. This applies if you did not have prior group dental coverage for at least 12 months within 60 days before you signed up for the Retiree Dental Expense Plan. Then you will be place in Tier 1. After a year in Tier 1, then you will be placed in Tier 2. Then after the year in Tier 2, you will be moved to Tier 3, the highest benefit.
What types of benefits are covered under the DEP plan?
Download the SHBP\SEHBP Employee Dental Plans Fact Sheet
Plan documents
Employee DEP Plan at a Glance (PDF) -
Easy-to-use coverage that fits your budget
The Dental Plan Organization (DPO) is an in-network dental plan only. It is available to SHBP and SEHBP retired members.
- In-network dental plan only
- Choose a primary care dentist from our directory
- Each family member can pick a different dentist
- You need referrals to see specialty dentists.
- Orthodontic services are not covered under the Retiree DPO dental plan
Table of plan details. Tier 1 Tier 2 Tier 3 In network In network In network Deductible $0 $0 $0 Copays Diagnostic and preventive care only Diagnostic, preventive care and restorative services only Diagnostic, preventive care, endodontics, periodontics and restorative services Annual Maximum $0 $0 $0 A full list of copayments is located in the Retiree Dental Guidebook.
Understand your benefit tier.
- Tier 3 — If you have prior group dental coverage, this is the highest benefit tier. This applies if you were covered by another group dental plan for at least 12 months within 60 days before you signed up for the Retiree Dental Plan Organization. Then you would be enrolled in Tier 3.
- Tier 1 — If you did not have dental coverage, this is the lowest benefit tier. This applies if you did not have prior group dental coverage for at least 12 months within 60 days before you signed up for the Retiree Dental Plan Organization. Then you will be place in Tier 1. After a year in Tier 1, then you will be placed in Tier 2. Then after the year in Tier 2, you will be moved to Tier 3, the highest benefit.
State of New Jersey
SHBP and SEHBP Members
SHBP and SEHBP Members
