Your Benefits

Depending on your eligibility status, you have the opportunity to choose one plan from the three offered by Pasco County Schools. Below are highlights of your options to help you choose a plan that best meets your needs. See the Schedule of Benefits documents at the bottom of the chart for complete benefit details.

  Dental HMO* 
Dental PPO 
Core Plan & Voluntary Opt-Out Plan
Access to Care When you enroll in the DHMO plan, you will pre-select a primary care dentist from the network to provide your day-to-day care. Except for Emergency Dental Services, out-of-network benefits are not available through this DMHO plan. Each enrolled family member may select a different participating dentist and has the ability to change dentists up to one time each month. When you enroll in one of the two PPO plans, you may choose to see any dentist in-network or out-of-network. Out-of-pocket expenses may be higher when using an out-of-network dentist.
Calendar Year Deductible None
  • $75 per person 
    $225 per family
Calendar Year Maximum None $1500

Co-payments are set by procedure and all covered procedures are listed on the Schedule of Benefits


  • Preventive: 100%
  • General: 90%
  • Major: 60%


  • Preventive: 80%
  • General: 80%
  • Major: 50%
Non-surgical TMJ Not Covered 50% up to $1000 Calendar Year Maximum
Adult & Child Orthodontic Services (Braces) Co-payments by type of service — $1695 for comprehensive treatment $1000 Lifetime Maximum after Deductible
Waiting Period None

Core Plan — No waiting period

Voluntary (Opt-Out) Plan — 12 month waiting period on Major Services & Non-surgical TMJ

Complete Benefit Details DHMO Schedule of Benefits
DHMO Evidence of Coverage
DPPO Summary of Benefits  Core and Voluntary (Opt-Out) Plans

For more information regarding the plans, you will find full benefit information on the Pasco Employee Benefits Department website.

Enrollment Tips

You have only one opportunity each year to change plans and that’s at open enrollment. Important tips to remember:

  • Review the Schedule of Benefits and Evidence of Coverage before making your decision. They have important information that will help you  get the most from your dental benefits. If, after reviewing the plan documents you have any questions, our Customer Service Representatives will be happy to assist you.

  • Remember to select a general dentist from the participating dentist directory for you and each of your enrolling family members.

  • Write the Facility Number in the space allotted on your enrollment form.

You have only one opportunity each year to change plans and that’s at open enrollment. Important tips to remember:

  • There is no need to "pre-select" a dentist when you enroll.

  • When choosing a dentist, remember that if you choose to receive care from a participating dentist, you could save on your out-of-pocket costs. Participating dentists have agreed to accept their negotiated fee as payment in full with no balance billing.

  • Your Summary of Benefits includes the information on how payment is calculated for your plan and is included above along with the plan Exclusions & Limitations. A copy of the Certificate of Insurance is also available above for your review.

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.

Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166.

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.

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.

† U.S. Dept. of Health and Human Services, Oral Health in America: A Report of the Surgeon General-Executive Summary. Rockville, MD: U.S. Dept. of Health and Human Services, National Institute of Dental and Craniofacial Research, National Institutes of Health, 2000.