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Your Benefits

It's important to get the dental coverage you and your family need. Caltech's Dental HMO plan offers you valuable features that are sure to keep you smiling.

Lower out-of-pocket costs Collapsed Expanded

Your Caltech Dental HMO benefit plan provides you with access to essential dental care while helping to protect you against the rising costs of dental services. The copayments may be considerably lower than your cost would be without this dental plan1. For a full listing of all covered services and copayments, please refer to the Schedule of Benefits below.

Broad network of participating dentists Collapsed Expanded

Participating general dentists and specialists must meet well-established credentialing standards. Each dentist and specialist is pre-screened and subject to regular audits, including onsite visits to the dental offices. Remember that each enrolled family member may select a different participating general dentist.

A commitment to your oral health Collapsed Expanded

Because dental care can be an important part of good overall health, we provide you access to valuable tools that can help you and your dentist make informed decisions about your dental benefits and oral health.

Hassle-free benefits Collapsed Expanded

With this benefit plan, you don’t have to worry about deductibles, yearly maximums or filling out paperwork for claims. All you have to do is select a participating dentist at enrollment. Then just call to schedule your appointment after your plan’s effective date. When you receive dental services from your selected dentist, you are only responsible for the copayment for any covered services received.

 

Plus, if you need speciality care, no problem. Your selected participating dentist will provide you with the name of a participating specialist2. Just call that specialist to schedule your appointment. Any copayment amount for services is listed on your Schedule of Benefits. This copayment applies whether the services are provided by your selected participating general dentist or by a participating specialist.

Your Plan Documents

Schedule of Benefits 

Evidence of Coverage

In California, orthodontic and pedodontic specialty services require pre-approval. Your selected participating dentist will contact SafeGuard for pre-approval. Once approved, your dentist will contact you with the name of a participating specialist.

MyBenefits Login

Once you enroll, MyBenefits is there to help you manage your dental plan. It's your secure member website. You can review your plan information, check your claim history, download a claim form and more.

1 Savings from enrolling in a group benefit program will depend on various factors, including how often participants visit the dentist and the costs for services received.

2 In California, orthodontic and pedodontic specialty services require pre-approval. Your selected participating dentist will contact SafeGuard for pre-approval. Once approved, your dentist will contact you with the name of a participating specialist.

Dental Managed Care Plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation in NY. Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc., a California corporation in CA; SafeGuard Health Plans, Inc., a Florida corporation in FL; SafeGuard Health Plans, Inc., a Texas corporation in TX; and MetLife Health Plans, Inc., a Delaware corporation and Metropolitan Life Insurance Company, a New York corporation in NJ. The Dental HMO/Managed Care companies are part of the MetLife family of companies. "DHMO" is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: "Specialized Health Care Service Plans" in California; "Prepaid Limited Health Service Organizations" as described in Chapter 636 of the Florida statutes in Florida; "Single Service Health Maintenance Organizations" in Texas; and "Dental Plan Organizations" as described in the Dental Plan Organization Act in New Jersey.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact MetLife or your plan administrator for complete details.