Welcome
MetLife Federal Dental
2026 Plan Details
Open season is November 10, 2025 – December 8, 2025, midnight EST.
Enroll by phone at 1-877-888-FEDS (3337)
International 1-571-730-5942
TTY 711
Choose the plan that best fits your needs.
Our High option provides maximum protection with:
- Greater coverage for remedial services like fillings and crowns
- Higher lifetime maximums for orthodontics
- An unlimited annual benefit
| STANDARD OPTION | HIGH OPTION | |||||
|---|---|---|---|---|---|---|
| Plan pays this share of the Plan Allowance | Plan pays up to this Plan Maximum | Plan pays this share of the Plan Allowance | Plan pays up to this Plan Maximum | |||
| Covered Services | In-Network | Out-of-Network | In-Network or Out-of-Network | In-Network | Out-of-Network | In-Network or Out-of-Network |
| Basic – Class A ex. Oral exams, cleanings and X-rays |
100%1 | 60%2 | Calender Year Max $2000 per person |
100%1 | 90%2 | Unlimited |
| Intermediate – Class B ex. Fillings, periodontal maintenance |
55% | 40%2 | 70% | 60%2 | ||
| Major – Class C ex. Crowns, bridges, root canals |
35% | 20%2 | 50% | 40%2 | ||
| Orthodontic – Class D ex. Comprehensive orthodontic treatment |
50% | 50% | Lifetime Max $1500 per person |
50% | 50% | Lifetime Max $3500 per Chaild $3500 per Adult |
The service categories and plan limitations shown above represent an overview of your plan benefits. This document presents the majority of services within each category but is not a complete description of the plan. See our Federal Dental Plan Brochure for complete details.
Maximize Your Savings by Staying in Network
With either plan, you'll save more by choosing a dentist in our network.
No Deductible3
For covered in-network services, you pay nothing out of pocket before your plan starts paying its share of the cost.
Lower Dentist Fees
Network dentists charge negotiated fees which are typically 30%-50% less than the average cost for service in the area.4
The negotiated fee for a covered service, or Plan Allowance, is the most your plan will pay — whether your dentist is in our network or not.
More Coverage
Your plan pays a share of the Plan Allowance when your dentist bills for covered service. Your plan’s share is higher when your dentist is in network.
You pay the remaining balance of the bill.
- In-Network: You pay ONLY the difference between the Plan Allowance and the amount your plan pays.4
- Out-of-Network: You pay the difference between the Plan Allowance and the amount your plan pays PLUS any difference between the dentist’s charge and the Plan Allowance.5
What type of information are you looking for?
Choose from over 478,000 dentist locations nationwide.3
Quick Links
Open Season is November 10 – December 8, 2025, midnight EST.
Enroll by phone at
1-877-888-FEDS (3337) International 1-571-730-5942
TTY 711