Plan Benefits

Welcome to the Dental Insurance information site for State of Florida Employees.

Overview

MetLife dental plans for the State of Florida employees include competitive monthly rates, access to one of the largest dental network and benefits administered by a trusted brand. 

ROBUST DENTAL BENEFITS

  • Choice of the dental plan that’s right for you and your family, based on your needs and budget.
  • No cost for in-network cleanings, x-rays and exams1

LARGE DENTAL NETWORK

  • Over 370,000 dentists in the nation are in our network2
  • One of the largest dentist networks in the country3
  • Network dentists save  time and money:
    • They submit all the paperwork for patients
    • They typically charge 30-45% less for covered dental services than average charges in the same community3

A TRUSTED BRAND

  • The largest commercial dental carrier in the U.S.4
  • Provide benefits to more than 20 million people each year2
  • Our members saved over $2.7 billion dollars on their combined plan payments and dental out-of- pocket costs2
  • Annually, we process over 32 million dental claims2
  • 99% of claims are paid within 10 days2 … regardless of where you live or where the claims are processed

Calendar Year Deductible

Applies to all plans (Orthodontia services and Major services not covered under Preventive Plan PPO)

Preventive  and Orthodontia services: No deductible applies.

Basic and Major services:  

Calendar Year Deductible

Coverage Type

Deductible

Employee Only

$50

Employee + Spouse

$100 (2 family members must meet deductible) 

Employee + Child(ren)

$100 (2 family members must meet deductible) 

Employee + Family

$150 (2 family members must meet deductible) 

Coinsurance

MetLife will pay Claims in accordance with the chart below. Participating percentages are based on negotiated fees. Non Participating percentages are based on usual, customary and reasonable fees.

Coinsurance

 

Indemnity with PPO

Participating / Non Participating

Standard PPO

Participating / Non Participating

 

Preventive Plan PPO

Participating / Non Participating

Preventive Services

100/100 percent

100/80 percent

100/80 percent

Basic Services

80/80 percent

80/50 percent

80/50 percent

Major Services

50/50 percent

50/30 percent

No Benefit

Orthodontia Services

50/50 percent

50/30 percent

No Benefit

Calendar Year Maximum

The calendar year maximum is the maximum dollar amount MetLife will pay toward the cost of dental services under this plan in a Plan Year. 

Calendar Year Maximum

 

Indemnity with PPO

Participating / Non Participating

Standard PPO

Participating / Non Participating

Preventive Plan PPO  Participating / Non Participating

Calendar Year Max

$2,000/ $2,000

$1,500/ $1,500

$1,000/ $1,000

Orthodontia Lifetime Maximum

The calendar year maximum applies to Preventive, Basic, and Major services combined, but does not apply to Orthodontia services. 

Orthodontia Lifetime Maximum

 

Indemnity with PPO

Participating / Non Participating

Standard PPO

Participating / Non Participating

Preventive Plan PPO  Participating / Non Participating

Ortho Lifetime Max

$2,500/ $2,500

$2,000/$1,500

No Benefit

1 Subject to frequency limitations.  

2 MetLife data as of December 2016.

3 Based on MetLife data.  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.  

4 LIMRA data, based on enrolled lives as of December 31, 2015.