MetLife Federal Dental Plan Details for 2020

Get an overview and details of your 2020 MetLife Federal Dental Plan

Review the plan details

Experience the MetLife Difference

You have 2 comprehensive plans to choose from. Save on out-of-pocket costs and minimize unexpected expenses through both plans. Both plans provide savings for you and your family. You’ll receive:

  • • No cost for in-network cleanings, X-rays and exams1
  • • No annual deductible for in-network services
  • • Competitive pricing
  • • No waiting periods
Icon Standard Option
  • • $1,500 annual maximum per person
  • • Child orthodontia covered at 50% up to a plan lifetime maximum of $2,000
  • • Adult orthodontia covered at 50% up to a plan lifetime maximum of $2,000
Icon High Option

This option provides you with additional protection from unforeseen dental costs

  • • Unlimited annual maximum per person 
  • • Adult orthodontia covered at 70% up to a plan lifetime maximum of $3,000 
  • • Child orthodontia covered at 70% up to a plan lifetime maximum of $5,000
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 2020 MetLife Federal Dental Plan Brochure for cost and complete details.

In-Network and Out-of-Network Defined

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.
  • Percentages shown are the percentage of the negotiated fee paid by the plan. You are responsible for the portion of the negotiated fee that the plan does not pay.

Out-of-Network

  • A non-participating dentist sets his or her standard fee, which is typically higher than the negotiated fee.
  • Percentages shown are the percentage of the Usual and Customary Fee4 paid by the plan. You will be responsible for the difference between your dentist’s charge and the covered percentage of the Usual and Customary Fee for a given service.5

Check your rates

Provide your zip code, and you can check rates in your area.

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Quick Links

Links to additional MetLife Federal Dental Program information
 

Check your rates
View 2020 Plan Summary
View 2020 Plan Brochure

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1 Subject to frequency limitations. 

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

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

5 Subject to any deductibles, cost sharing, benefit maximum and terms of the plan. This page is not a complete description of the plan options. The 2020 MetLife Federal Dental Plan Brochure will govern these plan options.