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2015 Plan Benefits

Download the 2015 MetLife FEDVIP Plan Brochure.

What will your dentist charge you?
In-Network Out-of-Network

Participating dentists charge negotiated fees that are typically 15-45% less than average charges in the same community1.

The negotiated fee2 even apply 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.

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 Usual and Customary Fee3 for a given service4.
What will your plan cover?
  In-Network Out-of-Network
Coverage Option Standard Option High Option Standard Option High Option

Class A — Basic
cleanings and oral examinations, x-rays

100%

100%

60%

90%

Class B — Intermediate
fillings and periodontal maintenance

55%

70%

40%

60%

Class C — Major
crowns, bridges, root canal treatment and dentures

35%

50%

20%

40%

Class D — Orthodontia 
comprehensive orthodontic treatment, fixed appliance

50%

50%

50%

50%

Maximums and Deductibles
  In-Network Out-of-Network
Coverage Option Standard Option High Option Standard Option High Option

Annual Deductible Per Person

$0

$0

$1005

$505

Annual Maximum Per Person

$1,500

$20,000

$800

$20,000

Orthodontia Lifetime Max Dependent Child Per Person

$2,000

$3,500

$1,500

$3,500

Orthodontia Lifetime Max Adult Per Person6

n/a

$1,500

n/a

$1,500

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 FEDVIP Plan Brochure for cost and complete details.

Enroll Now

1. Go to BENEFEDS.com
2. Choose Dental Coverage
3. Select MetLife

Or call BENEFEDS at 1-877-888-FEDS (3337)

Plan Benefits Disclaimer

1 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

2The negotiated fees refer to the fees that dentists participating in the network have agreed to accept as payment in full, for services rendered by them.

3 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 service, or (3) The amount charged by most dentists in the same geographic area for the same or similar services as determined by MetLife.

4 Subject to any deductibles, cost sharing, benefit maximum and terms of the plan.

5 Annual deductible applies to Basic, Intermediate and Major Services for out-of-network only

6 Subject to any deductibles, cost sharing, benefit maximum and terms of the plan.

1. Go to BENEFEDS.com
2. Choose Dental Coverage
3. Select MetLife

Or call BENEFEDS at
1-877-888-FEDS (3337)


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Last updated on 2/12/09. For Broker/Dealer Use only. Not for Public Distribution.