Group Dental Insurance
Choose the plan that fits your needs. Both options provide comprehensive dental coverage with the flexibility you deserve.
Search Our NetworkTwo Great Plan Options
Both plans are identical with one important variation: how Out-of-Network dentists are paid. When using a Network Provider, the plans are identical.
Option 1: HIGH PPO
Full Provider Freedom
Full access to any provider you choose, regardless of the network. Benefits paid at 90% UCR (Usual, Customary & Reasonable) — very unlikely to have overage fees.
Option 2: LOW MAC
Best Value In-Network
Best if you can use a network provider. If you go out-of-network, expect to pay overage fees based on the Negotiated Fee Schedule.
Plan Details at a Glance
Key features that apply to both plan options
$50 Deductible
Per person, calendar year. Waived for preventive services.
$5,000 Annual Max
Generous annual maximum for comprehensive care.
Dependents to Age 26
Coverage for your children through age 26.
No Waiting Period
Coverage begins immediately upon enrollment.
Coverage Categories
Comprehensive coverage across all types of dental services
Preventive Care
Deductible Waived
Coverage
Cleanings
Once every 6 months
X-Rays (Bitewings)
As needed
Oral Exams
Once every 6 months
Fluoride Treatment
To age 19, every 6 months
Sealants
To age 16, once per 36 months
Oral Cancer Screening
Age 40+, once per 24 months
Space Maintainers
As needed
Habit Appliances
As needed
Basic Services
After Deductible
Coverage
Full X-Ray Series
Once per 36 months
Fillings
As needed
Simple Extractions
As needed
Space Maintainers
As needed
Major Services
After Deductible
Coverage
Crowns
Single & complex
Bridges & Dentures
Full & partial
Implants
As needed
Root Canals
Endodontic services
Periodontal Surgery
As needed
Scaling & Root Planing
Periodontal services
Repairs
Crowns, bridges, dentures
Veneers & Inlays
Cosmetic restorations
Orthodontia
For Children
Coverage
Braces & Orthodontic Treatment
Orthodontia in progress is covered
$1,000 Lifetime Maximum
Per covered dependent
Key Plan Differences
Understanding how out-of-network coverage differs between plans
| Feature | High Plan (PPO) | Low Plan (MAC) |
|---|---|---|
| In-Network Coverage | Identical to Low Plan | Identical to High Plan |
| Out-of-Network Payment | 90% UCR | Negotiated Fee Schedule |
| Out-of-Network Overage Fees | Very unlikely | Expect overage fees |
| Best For | Full provider freedom | Network provider users |
| Network | MetLife PDP Plus | |
Get Complete Plan Details
Download the full benefit summary for complete coverage information, limitations, and exclusions.
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