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MetLife Federal Dental

2025 Plan Details

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Dental rates

Product this table has 5 Columns and 10 rows. First column represents product. Column 2 and 3 represent MetLife in networt versus out of network. each row indicates whether the product is covered by MetLife or its competitors in and out of network
Covered Services	Standard Option Coverage		High Option Coverage
Covered Services	In-Network	Out-of-Network	In-Network	Out-of-Network
Class A — Basic cleanings and oral examinations, X-rays	100%	60%	100%	90%
Class B — Intermediate fillings and periodontal maintenance	55%	40%	70%	60%
Class C — Major crowns, bridges, root canal treatment and dentures	35%	20%	50%	40%
Class D — Orthodontia comprehensive orthodontic treatment, fixed appliance	50%	50%	50%	50%

Product this table has 5 Columns and 10 rows. First column represents product. Column 2 and 3 represent MetLife in networt versus out of network. each row indicates whether the product is covered by MetLife or its competitors in and out of network
Covered Services	Standard Option Coverage		High Option Coverage
Covered Services	In-Network	Out-of-Network	In-Network	Out-of-Network
Class A — Basic cleanings and oral examinations, X-rays	100%	60%	100%	90%
Class B — Intermediate fillings and periodontal maintenance	55%	40%	70%	60%
Class C — Major crowns, bridges, root canal treatment and dentures	35%	20%	50%	40%
Class D — Orthodontia comprehensive orthodontic treatment, fixed appliance	50%	50%	50%	50%

Product this table has 5 Columns and 10 rows. First column represents product. Column 2 and 3 represent MetLife in networt versus out of network. each row indicates whether the product is covered by MetLife or its competitors in and out of network
Covered Services	Standard Option Coverage		High Option Coverage
Covered Services	In-Network	Out-of-Network	In-Network	Out-of-Network
Class A — Basic cleanings and oral examinations, X-rays	100%	60%	100%	90%
Class B — Intermediate fillings and periodontal maintenance	55%	40%	70%	60%
Class C — Major crowns, bridges, root canal treatment and dentures	35%	20%	50%	40%
Class D — Orthodontia comprehensive orthodontic treatment, fixed appliance	50%	50%	50%	50%

Dental ratesTable

Product this table has 5 Columns and 10 rows. First column represents product. Column 2 and 3 represent MetLife in networt versus out of network. each row indicates whether the product is covered by MetLife or its competitors in and out of network
Deductibles & Coverage Maximums	Standard Option		High Option
Deductibles & Coverage Maximums	In-Network	Out-of-Network	In-Network	Out-of-Network
Annual Deductible¹ You Pay Per Person	$0	$100	$0	$50
Annual Maximum Plan Pays Per Person	$2,000	$2,000	Unlimited	Unlimited
Orthodontia Lifetime Maximum Plan Pays Per Dependent Child	$1,500	$1,500	$3,500	$3,500
Orthodontia Lifetime Maximum Plan Pays Per Adult	$1,500	$1,500	$3,000	$3,000

Product this table has 5 Columns and 10 rows. First column represents product. Column 2 and 3 represent MetLife in networt versus out of network. each row indicates whether the product is covered by MetLife or its competitors in and out of network
Deductibles & Coverage Maximums	Standard Option		High Option
Deductibles & Coverage Maximums	In-Network	Out-of-Network	In-Network	Out-of-Network
Annual Deductible¹ You Pay Per Person	$0	$100	$0	$50
Annual Maximum Plan Pays Per Person	$2,000	$2,000	Unlimited	Unlimited
Orthodontia Lifetime Maximum Plan Pays Per Dependent Child	$1,500	$1,500	$3,500	$3,500
Orthodontia Lifetime Maximum Plan Pays Per Adult	$1,500	$1,500	$3,000	$3,000

Product this table has 5 Columns and 10 rows. First column represents product. Column 2 and 3 represent MetLife in networt versus out of network. each row indicates whether the product is covered by MetLife or its competitors in and out of network
Deductibles & Coverage Maximums	Standard Option		High Option
Deductibles & Coverage Maximums	In-Network	Out-of-Network	In-Network	Out-of-Network
Annual Deductible¹ You Pay Per Person	$0	$100	$0	$50
Annual Maximum Plan Pays Per Person	$2,000	$2,000	Unlimited	Unlimited
Orthodontia Lifetime Maximum Plan Pays Per Dependent Child	$1,500	$1,500	$3,500	$3,500
Orthodontia Lifetime Maximum Plan Pays Per Adult	$1,500	$1,500	$3,000	$3,000

NOTE: For a MetLife enrolled participant with active orthodontic treatment as of 12/31/2024 and renewing in 2025, we will continue to process claims for the active orthodontic treatment under the 2024 orthodontia maximum and co-insurance for the duration of the approved treatment plan which may extend into 2025 or after. Active orthodontic treatment consists of initial placement of an appliance and ongoing treatment submitted by a MetLife-approved orthodontist.

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.

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In-Network and Out-of-Network Details

In-Network Details

Out-of-Network Details

Participating dentists charge negotiated fees that are typically 30-50% less than average charges in the same community.²
Negotiated fees even apply to services your plan doesn’t cover, including any you receive after reaching your plan’s annual maximum.
The plan pays a percentage of the negotiated fee (the Plan Allowance) for a covered service. The percentage of the Plan Allowance the plan pays for each type of service is shown above.
Your out-of-pocket amount is limited to the difference between the Plan Allowance and our payment.³

A non-participating dentist sets his or her own fees, which are typically higher than the in-network Plan Allowance.
The plan pays a percentage of the Plan Allowance for a covered service. The percentage of the Plan Allowance the plan pays for each type of service is shown above.
The Standard Option Plan Allowance for a covered service equals the in-network Plan Allowance for the covered service.
The High Option Plan Allowance for a covered service equals the in-network Plan Allowance for the covered service.
Your out-of-pocket amount is the difference between your dentist’s fee and our payment.³ Your out-of-pocket cost will generally be higher when you visit an out-of network dentist.

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¹ Annual deductible applies to Basic, Intermediate and Major Services for out of network only.

² Based on MetLife data. Negotiated fees refer 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 subject to change. Savings from enrolling in a dental benefits plan featuring the MetLife Preferred Dentist Program will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered.

³ Subject to any deductibles, cost sharing, benefit maximum and terms of the plan.

Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods, and terms for keeping them in force. Please view the 2025 MetLife Federal Dental Plan Brochure for cost and complete details.

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