Under the MetLife PPO plan, you may choose to see any dentist you wish. After meeting your deductible you pay for a certain percentage (known as co-insurance) of each covered service. If you go out-of-network, you also pay any amount your dentist charges above the Reasonable and Customary Rate. The plan will pay benefits up to the Annual Maximum Benefit in a given year. You will receive a greater benefit and will have lower out-of pocket costs if you seek care from a dentist who is part of MetLife’s preferred network. MetLife has contracted with these dentists to reduce their fees for you.

With the SafeGuard HMO Plan, you select a primary dentist from SafeGuard’s network. For each covered service, you pay a pre-determined copay. For specific benefit information, contact SafeGuard for a schedule of benefits.