Plan Benefits

Dental Plan
With the MetLife Dental Plan, featuring the PDP Plus network, you receive a wide range of benefits that provide choice, savings* and convenience to help make your dental health a priority.

How the dental plan works:
The Dental Plan, underwritten by MetLife, pays benefits for three categories of service:

  • Type A — Preventive,
  • Type B — Basic Restorative and;
  • Type C — Major Restorative.

Please reference the section entitled “Primary Covered Services” in the Dental Plan brochure for detail of these services.

The plan also offers you a choice; you may use a participating dentist (in-network) or you may use an out-of-network dentist. If you choose to receive services from a participating dentist, you will generally receive the greater benefit and incur the least out-of-pocket expense. If you use a participating dentist, the plan provides paid-in-full benefits for Type A services. You will have out-of-pocket costs for Type B and Type C services provided by participating dentists .If you use an out-of-network dentist, you generally will have higher out-of-pocket costs for all types of service.

Type A – Preventive & Diagnostic Services —
Type B – Basic Restorative Services —
Type C – Major Restorative Services —
Annual Deductible — Applies to Type B and C Services
Annual Maximum —

1 In Network is when you or your eligible dependent visit a participating dentist, plan benefits are based on a negotiated fee schedule. You will be responsible for the difference between the negotiated fee*** for a given service and the percentage of the fee that your plan covers for that service, subject to any deductibles.

2 Out-of-Network is when you or your eligible dependent visit a non-participating dentist, plan benefits are based on the Reasonable and Customary (R&C) charges of dentists in your area as determined by MetLife. You will be responsible for the difference between your dentist’s charge for a given service and the percentage of Reasonable and Customary fee that your plan covers, subject to any deductibles.

3 Negotiated Fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated Fees are typically 15% to 45% below community averages. Negotiated Fees are subject to change.

4 R&C fee refers to the Reasonable and Customary R&C charge, which is based on the lowest of 1. the dentist’s actual charge, 2. the dentist’s usual charge for the same or similar services or 3. the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.