Dental Insurance
The Manatee YourChoice Health Plan is the self-funded medical insurance, dental insurance, vision insurance, and health management plan for the employees and their eligible dependents of Manatee County Government, including all of the Constitutional Agencies.
What does self-funded or self-insured mean? It means Manatee County Government, through its own Health Plan, "Manatee YourChoice," uses their own plan design and pays for all health care directly instead of paying an insurance company to handle it. Although the Plan was created and designed by the Employee Health Benefits (EHB) section of Human Resources and is managed by the Employee Health Benefits Manager, the plan hires a "Third Party Administrator (TPM)" (Aetna) to process claims, provide customer-service support to members, and to run the provider network.
The Manatee YourChoice Dental Plan is administered by Aetna using their Aetna Dental PPO/PDN with PPO II Network. (Please note: Our plan does not participate in Aetna's larger "Extend" network.) The premium costs per pay period are listed in the table below.
The YourChoice Dental Plan is designed to keep out-of-pocket costs low, while still providing quality dental care for members and their covered family dependents. All members receive free preventative-care service each plan (calendar) year, and low member cost-sharing on other basic and services.
** Child dependents under age 19 who are on the Manatee YourChoice Medical Plan have limited coverage (per federal law) for basic preventative care that is covered through the medical insurance. Child members do not need to have the separate dental insurance coverage to take advantage of these benefits; however, please note that the dental plan may cover procedures that fall outside of the medical insurance preventative-care benefit. Please see https://manateeyourchoice.com/employee-benefits/medical/child-dental-preventive-care for more information.
Key features of the Dental Plan include:
- A wide selection of in-network dental-care providers, through Aetna's Dental PPO/PDN with PPO II Network (nationwide - USA only)
- No deductible and a general annual maximum of covered services (preventative + basic + major) of $2,000 per calendar year
- Comprehensive preventative services with $0 member responsibility (no cost), including 2 yearly oral examinations, 2 yearly cleanings, and annual x-rays
- A full variety of basic services billed to the member at 10% of procedure cost, including root canals, fillings, extractions and general anesthesia
- Major services (crowns, implants, etc.) billed to the member at 40% of cost
- Orthodontics covered at 50% of cost with a lifetime maximum of $2,000 per covered patient
Each member selects the dentist of their choice to perform all services. Dentists listed in the Aetna Dental PPO/PDN with PPO II Network have agreed to contracted rates for dental services and agree to not bill the member for the difference between the contracted rate and their billed charge. Non-network dentists will be reimbursed at the Aetna PPO/PDN contracted rate by the Plan; however members are subject to additional charges by that provider as a non-network dentist. Please consult with the provider's office before your visit to inquire if they are participating in the Aetna Dental PPO/PDN with PPO II Network.
For a listing of covered services and the member costs, please see the Dental Benefit Summary.
***Exclusive discounts for Aetna Dental Plan Members -- Log in to your member portal at http://health.aetna.com or use the Aetna Health app on your mobile device! From the portal, click on "Health and Wellness" and choose "Health & Wellness Discounts."
Dental Insurance Plan - Premiums
Questions? Need Help?
The Employee Health Benefits team is here to provide assistance. Please call (941) 748-4501, extension 6249 or email benefits@mymanatee.org.
Current Medical Insurance Plan members can also contact Aetna Member Services at (877) 580-5019 or log into their Aetna portal at http://health.aetna.com.