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

 

Enroll at BENEFEDS.gov

Plan Option Details

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

Enter ZIP, City or State
Find a Dentist

Quick Links

Additional Resources

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