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MetLife Federal Dental Plan Details

Get an overview and details of your 2021 MetLife Federal Dental Plan (FEDVIP)

Coverage Option
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
Annual Maximum — Per Person
Orthodontia Lifetime Max Dependent Child — Per Person
Orthodontia Lifetime Max Adult — Per Person

Standard Option

In-Network
100%
55%
35%
50%
$0
$1,500
$2,000
$2,000

Standard Option

Out-of-Network
60%
40%
20%
50%
$100
$1,000
$2,000
$2,000

High Option

In-Network
100%
70%
50%
70%
$0
Unlimited
$5,000
$3,000

High Option

Out-of-Network
90%
60%
40%
70%
$50
Unlimited
$5,000
$3,000

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 2021 MetLife Federal Dental Plan Brochure for cost and complete details.

In-Network and Out-of-Network Details

In-Network

  • Participating dentists charge negotiated fees that are typically 30-45% 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.4

Out-of-Network

  • 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 is based on our usual and customary fees.3
  • Your out-of-pocket amount is the difference between your dentist’s fee and our payment.4 Your out-of-pocket cost will generally be higher when you visit an out-of-network dentist.
Find

Quick Links

Links to additional MetLife Federal Dental Program information
 

Dental Plan Summary
Dental Plan Brochure
Check your rates
Webinars

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 participating dentists have agreed to accept as payment in full for services rendered by them, subject to any cost sharing, benefit maximums and terms of the plan. Negotiated fees are subject to change. 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. 

3 The Usual and Customary Fee is the lowest of (1) The dentist’s actual charge, (2) The dentist’s usual charge for the same or similar services, or (3) The amount charged by most dentists in the same geographic area for the same or similar services as determined by MetLife.

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

This page is not a complete description of the plan options. The 2021 MetLife Federal Dental Plan Brochure will govern these plan options.