2019 Federal Dental Plan

More coverage for 2019!

Standard Option

  • Child orthodontia coverage extended up to maximum eligibility age NEW!1
  • Adult orthodontia with a $2,000 lifetime maximum NEW!
  • Increased child out-of-network orthodontia lifetime maximum to $2,000 NEW!
  • Increased out-of-network maximum to $1,000 NEW!

High Option

  • Child orthodontia coverage extended up to maximum eligibility age NEW!1
  • Unlimited annual maximum per person NEW!
  • Adult orthodontia now covered at 70% up to a plan maximum of $3,000 NEW!
  • Child orthodontia now covered at 70% up to a plan maximum of $5,000 NEW!
Coverage Option
Class A — Basic — cleanings and oral examinations, x-rays
Class B — Intermediate — fillings and periodontal maintenance
Class C — Major — crowns, bridges, root canal treatment and dentures
Class D — Orthodontia — comprehensive orthodontic treatment, fixed appliance
Annual Deductible² — Per Person
Annual Maximum — Per Person
Orthodontia Lifetime Max Dependent Child — Per Person
Orthodontia Lifetime Max Adult — Per Person

Standard Option

In-Network
100%
55%
35%
50%
$0
$1,500
$2,000
$2,000

Standard Option

Out-of-Network
60%
40%
20%
50%
$100
$1,000
$2,000
$2,000

High Option

In-Network
100%
70%
50%
70%
$0
Unlimited
$5,000
$3,000

High Option

Out-of-Network
90%
60%
40%
70%
$50
Unlimited
$5,000
$3,000

Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods, and terms for keeping them in force. Please contact MetLife or view the 2019 MetLife Federal Dental Plan Brochure for cost and complete details.

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In-Network

  • Participating dentists charge negotiated fees that are typically 30-45% less than average charges in the same community3.
  • The negotiated fee4 even applies to services your plan doesn't cover, including any you've received after you reach your plan's annual maximum.
  • To find out if your dentist is in the network visit federal.metlife.com and use our "Find a Dentist" tool.
 
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Out-of-Network

  • A non-participating dentist sets his or her standard fee, which is typically higher than the negotiated fee.
  • You will be responsible for the difference between your dentist's charge and the covered percentage of the Reasonable and Customary Fee5 for a given service.6
 

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1 To age 22 for dependents of federal civilian enrollees. Age 21 (23 if full‑time student) for dependents of military retirees.

2 Annual deductible applies to Basic, Intermediate and Major Services for out of network only.

3 Savings from enrolling in a dental benefits plan will depend on various factors, including plan design and premiums, how often participants visit the dentist and the cost of services rendered.

4 Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full, for services rendered by them. Negotiated fees are subject to any cost sharing, benefit maximum and terms of the plan and subject to change.

5 The Usual and Customary Fee is the lowest of (1) The dentist’s actual charge, (2) The dentist’s usual charge for the same or similar services, or (3) The amount charged by most dentists in the same geographic area for the same or similar services as determined by MetLife.

6 Subject to any deductibles, cost sharing, benefit maximum and terms of the plan. This document is not a complete description of the plan options. The 2019 MetLife Federal Dental Plan Brochure will govern these plan options.