2018 Federal Dental Plan

Find out what MetLife Federal Dental Plans cover and what it will cost.

Toothbrushes and toothpaste in a holder

In-Network

  • Participating dentists charge negotiated fees that are typically 30-45% less than average charges in the same community1.
  • The negotiated fee 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.
A child at the dentist

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 Fee2 for a given service.
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
Coverage Option
Annual Deductible — Per Person3
Annual Maximum — Per Person
Orthodontia Lifetime Max Dependent Child — Per Person
Orthodontia Lifetime Max Adult — Per Person

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 2018 MetLife Federal Dental Plan Brochure for cost and complete details.

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1 Based on internal analysis by MetLife. Negotiated fee refers to the fees that in-network dentists have agreed to accept as payment in full, subject to any co-payments, deductibles, cost sharing and benefits maximums.

2 The Reasonable 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.

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