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MetLife Federal Dental

2024 Plan Details

Choose the option that best fits the needs of you and your family.

Plan Options

Benefit

Class A — Basic
cleanings and oral examinations, X-rays

Class B — Intermediate
fillings and periodontal maintenance

Class C — Major
crowns, bridges, root canal treatment and dentures

Class D — Orthodontia
comprehensive orthodontic treatment, fixed appliance

Annual Deductible¹
Per Person

Standard Option

In-Network

100%

55%

35%

50%

$0

Out-of-network

60%

40%

20%

50%

$100

High Option

In-Network

100%

70%

50%

70%

$0

Out-of-network

90%

60%

40%

70%

$50

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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

Hint

Out-of-Network Details

Hint
  • 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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Additional Resources

Open Season is Nov. 13 – Dec. 11, 2023, midnight EST.

Call 1-877-888-FEDS

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 2024 MetLife Federal Dental Plan Brochure for cost and complete details.