You can select from several nationwide, and in some areas, regional dental Preferred Provider Organization (PPO) or Health Maintenance Organization (HMO) plans, and high and standard coverage options.  You can also select from several nationwide vision plans.  You may enroll in a dental plan or a vision plan, or both.  Some TRICARE beneficiaries may not be eligible to enroll in both.  Visit www.opm.gov/dental or www.opm.gov/vision for more information.

If you sign up for a dental and/or vision plan during the 2022 Open Season, your coverage will begin on January 1, 2023.  Premium deductions will start with the first full pay period beginning on/after January 1, 2023.  You may use your benefits as soon as your enrollment is confirmed.

Employees automatically pay premiums through payroll deductions using pre-tax dollars.  Annuitants automatically pay premiums through annuity deductions using post-tax dollars.  TRICARE enrollees automatically pay premiums through payroll deduction or automatic bank withdrawal (ABW) using post-tax dollars.

Each year, an Open Season will be held, during which you may enroll or change your dental and/or vision plan enrollment.  This year, Open Season runs from November 14, 2022 through midnight EST December 12, 2022.  You do not need to re-enroll each Open Season, unless you wish to change plans or plan options; your coverage will continue from the previous year.  In addition to the annual Open Season, there are certain events that allow you to make specific types of enrollment changes throughout the year.  Please see Section 2, Enrollment, for more information.

None.

You are eligible to enroll if you:

• retired on an immediate annuity under the Civil Service Retirement System (CSRS), the Federal Employees Retirement System (FERS) or another retirement system for employees of the Federal Government;
• retired for disability under CSRS, FERS, or another retirement system for employees of the Federal Government.

Your FEDVIP enrollment will continue into retirement if you retire on an immediate annuity or for disability under CSRS, FERS or another retirement system for employees of the Government, regardless of the length of time you had FEDVIP coverage as an employee.  There is no requirement to have coverage for 5 years of service prior to retirement in order to continue coverage into retirement, as there is with the FEHB Program.

Your FEDVIP coverage will end if you retire on a Minimum Retirement Age (MRA) + 10 retirement and postpone receipt of your annuity.  You may enroll in FEDVIP again when you begin to receive your annuity.

An individual who is eligible for FEDVIP dental coverage based on the individual's eligibility to previously be covered under the TRICARE Retiree Dental Program or an individual eligible for FEDVIP vision coverage based on the individual's enrollment in a specified TRICARE health plan.

Retired members of the uniformed services and National Guard/Reserve components, including “gray-area” retirees under age 60 and their families are eligible for FEDVIP dental coverage. These individuals, if enrolled in a TRICARE health plan, are also eligible for FEDVIP vision coverage. In addition, uniformed services active duty family members who are enrolled in a TRICARE health plan are eligible for FEDVIP vision coverage.

Except with respect to TRICARE-eligible individuals, family members include your spouse and unmarried dependent children under age 22.  This includes legally adopted children and recognized natural children who meet certain dependency requirements.  This also includes stepchildren and foster children who live with you in a regular parent-child relationship.  Under certain circumstances, you may also continue coverage for a disabled child 22 years of age or older who is incapable of self-support.  FEDVIP rules and FEHB rules for family member eligibility are NOT the same.  For more information on family member eligibility visit the website at www.opm.gov/healthcare-insurance/dental-vision/ or contact your employing agency or retirement system.

With respect to TRICARE-eligible individuals, family members include your spouse, unremarried widow, unremarried widower, unmarried child, and certain unmarried persons placed in your legal custody by a court. Children include legally adopted children, stepchildren, and pre-adoptive children.  Children and dependent unmarried persons must be under age 21 if they are not a student, under age 23 if they are a full-time student, or incapable of self-support because of a mental or physical incapacity. 

The following persons are not eligible to enroll in FEDVIP, regardless of FEHB eligibility or receipt of an annuity or portion of an annuity:

• Deferred annuitants
• Former spouses of employees or annuitants.  Note:  Former spouses of TRICARE-eligible individuals may enroll in a FEDVIP vision plan.
• FEHB Temporary Continuation of Coverage (TCC) enrollees
• Anyone receiving an insurable interest annuity who is not also an eligible family member
• Active duty uniformed service members.  Note:  If you are an active duty uniformed service member, your dental and vision coverage will be provided by TRICARE.  Your family members will still be eligible to enroll in the TRICARE Dental Plan (TDP). 

You must use BENEFEDS to enroll or change enrollment in a FEDVIP plan. BENEFEDS is a secure enrollment website (www.BENEFEDS.com) sponsored by OPM.  If you do not have access to a computer, call 1-877-888-FEDS (1-877-888-3337), to enroll or change your enrollment. 

Hearing and Speech impaired individuals may communicate using a text telephone device and Relay Services by dialing the MetLife Federal Dental number of “888-865-6854”. Relay services is immediate assistance. The Message Relay Service enables customers who are deaf, hard of hearing, or speech impaired, and who use a Teletypewriter (TTY), to communicate with others via the telephone. You simply type your conversation to a Relay Agent who then reads the typed conversation to the other party. The text telephone is used through a callers wireless provider as long as they have a TTY compatible phone.

If you are currently enrolled in FEDVIP and do not want to change plans your enrollment will continue automatically.  Please Note:  your plan(s) premiums may change for 2023.

Note: You cannot enroll or change enrollment in a FEDVIP plan using the Health Benefits Election Form (SF 2809) or through an agency self-service system, such as Employee Express, PostalEase, EBIS, MyPay, or Employee Personal Page.  However, those sites may provide a link to BENEFEDS.

Self Only: A Self Only enrollment covers only you as the enrolled employee or annuitant. You may choose a Self Only enrollment even though you have a family; however, your family members will not be covered under FEDVIP.

Self Plus One: A Self Plus One enrollment covers you as the enrolled employee or annuitant plus one eligible family member whom you specify.  You may choose a Self Plus One enrollment even though you have additional eligible family members, but the additional family members will not be covered under FEDVIP. 

Open Season

If you are an eligible employee, annuitant, or TRICARE-eligible individual, you may enroll in a dental and/or vision plan during the November 14, through midnight EST December 12, 2022, Open Season.  Coverage is effective January 1, 2023.

During future annual Open Seasons, you may enroll in a plan, or change or cancel your dental and/or vision coverage.  The effective date of these Open Season enrollments and changes will be set by OPM.  If you want to continue your current enrollment, do nothing.  Your enrollment carries over from year to year, unless you change it.

New hire/Newly eligible

You may enroll within 60 days after you become eligible as:

• a new employee;
• a previously ineligible employee who transferred to a covered position;
• a survivor annuitant if not already covered under FEDVIP; or
• an employee returning to service following a break in service of at least 31 days.
• a TRICARE-eligible individual

Your enrollment will be effective the first day of the pay period following the one in which BENEFEDS receives and confirms your enrollment.

Qualifying Life Event 
A qualifying life event (QLE) is an event that allows you to enroll, or if you are already enrolled, allows you to change your enrollment outside of an open season. 

The following chart lists the QLE’s and the enrollment actions you may take:

Qualifying Life Event: Marriage
From Not Enrolled to Enrolled: Yes
Increase Enrollment Type: Yes
Decrease Enrollment Type: No
Cancel: No
Change from One Plan to Another: Yes

Qualifying Life Event: Acquiring an eligible family member (non-spouse)
From Not Enrolled to Enrolled: No
Increase Enrollment Type: Yes
Decrease Enrollment Type: No
Cancel: No
Change from One Plan to Another: No

Qualifying Life Event: Losing a covered family member
From Not Enrolled to Enrolled: No
Increase Enrollment Type: No
Decrease Enrollment Type: Yes
Cancel: No
Change from One Plan to Another: No

Qualifying Life Event: Losing other dental/vision coverage (eligible or covered person)
From Not Enrolled to Enrolled: Yes
Increase Enrollment Type: Yes
Decrease Enrollment Type: No
Cancel: No
Change from One Plan to Another: No

Qualifying Life Event: Moving out of regional plan's service area
From Not Enrolled to Enrolled: No
Increase Enrollment Type: No
Decrease Enrollment Type: No
Cancel: No
Change from One Plan to Another: Yes

Qualifying Life Event: Going on active military duty, non- pay status (enrollee or spouse)
From Not Enrolled to Enrolled: No
Increase Enrollment Type: No
Decrease Enrollment Type: No
Cancel: Yes
Change from One Plan to Another: No

Qualifying Life Event: Returning to pay status from active military duty (enrollee or spouse)
From Not Enrolled to Enrolled: Yes
Increase Enrollment Type: No
Decrease Enrollment Type: No
Cancel: No
Change from One Plan to Another: No

Qualifying Life Event: Returning to pay status from Leave without pay
From Not Enrolled to Enrolled: Yes (if enrollment cancelled during LWOP)
Increase Enrollment Type: No
Decrease Enrollment Type: No
Cancel: No
Change from One Plan to Another: Yes (if enrollment cancelled during LWOP)

Qualifying Life Event: Annuity/ compensation restored
From Not Enrolled to Enrolled: Yes
Increase Enrollment Type: No
Decrease Enrollment Type: No
Cancel: No
Change from One Plan to Another: No

Qualifying Life Event: Transferring to an eligible position*
From Not Enrolled to Enrolled: No
Increase Enrollment Type: No
Decrease Enrollment Type: No
Cancel: Yes
Change from One Plan to Another: No

*Position must be in a Federal agency that provides dental and/or vision coverage with 50 percent or more employer- paid premium.

The timeframe for requesting a QLE change is from 31 days before to 60 days after the event.  There are two exceptions:

• There is no time limit for a change based on moving from a regional plan’s service area and
• You cannot request a new enrollment based on a QLE before the QLE occurs, except for enrollment because of a loss of dental or vision insurance.  You must make the change no later than 60 days after the event.

Generally, enrollments and enrollment changes made based on a QLE are effective on the first day of the pay period following the one in which BENEFEDS receives the enrollment or change. BENEFEDS will send you confirmation of your new coverage effective date.

Once you enroll in a plan, your 60-day window for that type of plan ends, even if 60 calendar days haven’t yet elapsed.  That means once you have enrolled in either a dental or a vision plan, you cannot change or cancel that particular enrollment until the next Open Season, unless you experience a QLE that allows such a change or cancellation.

 Canceling an enrollment

You can cancel your enrollment only during the annual Open Season.  An eligible family member’s coverage also ends upon the effective date of the cancellation.

Your cancellation is effective at the end of the day before the date OPM sets as the Open Season effective date.

Coverage ends for active and retired Federal, U.S. Postal employees, and TRICARE-eligible individuals when you:

• no longer meet the definition of an eligible employee, annuitant, or TRICARE-eligible individual;
• as a Retired Reservist you begin active duty;
• as sponsor or primary enrollee leaves active duty
• begin a period of non-pay status or pay that is insufficient to have your FEDVIP premiums withheld and you do not make direct premium payments to BENEFEDS;
• are making direct premium payments to BENEFEDS and you stop making the payments;
• cancel the enrollment during Open Season;
• a Retired Reservist begins active duty; or
• the sponsor or primary enrollee leaves active duty.

Coverage for a family member ends when:

• you as the enrollee lose coverage; or
• the family member no longer meets the definition of an eligible family member.

Note: Coverage ends for a covered individual when MetLife does not receive premium payment for that covered individual.

Under FEDVIP, there is no 31-day extension of coverage.  The following are also NOT available under the FEDVIP plans

• Temporary Continuation of Coverage (TCC),
• spouse equity coverage, or
• right to convert to an individual policy (conversion policy).

However, we will pay benefits for a 31 day period after your insurance ends if before coverage ends the dentist:

• prepared the abutment teeth for the completion of installation of prosthetic devices; 
• made an impression;
• prepared the tooth for cast restoration; or
• your dentist opened the pulp chamber before your insurance ends and the device is installed or treatment was finished within 31 days after the termination of coverage.

If you are planning to enroll in an FSAFEDS Health Care Flexible Spending Account (HCFSA) or Limited Expense Health Care Flexible Spending Account (LEX HCFSA), you should consider how coverage under a FEDVIP plan will affect your annual expenses, and thus the amount that you should allot to an FSAFEDS account.  Please note that insurance premiums are not eligible expenses for either type of FSA.

If you have an HCFSA or LEX HCFSA FSAFEDS account and you haven’t exhausted your funds by December 31st of the plan year, FSAFEDS can automatically carry over up to $610 of unspent funds into another health care or limited expense account for the subsequent year. To be eligible for carryover, you must be employed by an agency that participates in FSAFEDS and actively making allotments from your pay through December 31.  You must also actively reenroll in a health care or limited expense account during the NEXT Open Season to be carryover eligible. Your reenrollment must be for at least the minimum of $100.  If you do not reenroll, or if you are not employed by an agency that participates in FSAFEDS and actively making allotments from your pay through December 31st, your funds will not be carried over.

Because of the tax benefits an FSA provides, the IRS requires that you forfeit any money for which you did not incur an eligible expense and file a claim in the time period permitted.  This is known as the “Use-it-or-Lose-it” rule.  Carefully consider the amount you will elect. 

For a health care or limited expense account, each participant must contribute a minimum of $100 to a maximum of $3,050.

Current FSAFEDS participants must re-enroll to participate next year.  See www.fsafeds.com or call 1-877-FSAFEDS (372-3337). 

Hearing and Speech impaired individuals may communicate using a text telephone device and Relay Services by dialing the MetLife Federal Dental number of “888-865-6854”. Relay Services is immediate assistance. The Message Relay Service enables customers who are deaf, hard of hearing, or speech impaired, and who use a Teletypewriter (TTY), to communicate with others via the telephone. You simply type your conversation to a Relay Agent who then reads the typed conversation to the other party.  The text telephone is used through a callers wireless provider as long as they have a TTY compatible phone.

Note: FSAFEDS is not open to retired employees, or to TRICARE eligible individuals.

If you enroll or are enrolled in a high deductible health plan with a health savings account (HSA) or health reimbursement arrangement (HRA), you can use your HSA or HRA to pay for qualified dental/vision costs not covered by your FEHB and FEDVIP plans.

When you enroll for the first time, you will receive a welcome letter along with an identification card ("ID Card"). It is important to bring your FEDVIP and FEHB ID card to every dental appointment because most FEHB plans offer some level of dental benefits separate from your FEDVIP coverage. Presenting both ID cards can ensure that you receive the maximum allowable benefit under each Program. If you require a replacement ID card, you will be able to view and print your ID card via MyBenefits after entering MetLife.com/FEDVIP-Dental.  An ID card is neither a guarantee of benefits nor does your provider need it to render dental services. Your dentist may call (877) 638-3379 to confirm your enrollment in the Plan and the benefits available to you.

If you were enrolled in the MetLife Federal Dental Plan in 2022 and continue coverage for 2023, MetLife will provide you with a confirmation letter only.  

We list our Plan providers on our website at: MetLife.com/FEDVIP-Dental which we update weekly. When you make your appointment please inform the dental office you are enrolled in the FEDVIP plan and that you wish to use your In-Network benefits. This will also serve to confirm that the dentist is a MetLife provider. You may also contact customer service at (888) 865-6854.

Care that you receive from a MetLife Preferred Dentist Program (PPO) provider is considered In-Network. Plan participants are not required to select a primary care dentist and are free to select the dentist of their choice. MetLife’s PPO network consists of independently credentialed and contracted providers. To find a dentist in your area go to: MetLife.com/FEDVIP-Dental. You may also contact customer service at (888) 865-6854.

Care that you receive from a licensed provider that does not participate in the MetLife Preferred Dentist Program (PPO) is considered Out-of-Network. You are responsible for any difference between the plan payment and the amount billed.

The plan allowance is the maximum amount we will consider for payment for a specific procedure. The actual benefit will be a specified percentage of the plan allowance. When you use a participating (in-network) provider, your out-of-pocket cost is limited to the difference between the plan allowance and our payment. When you use services provided by a provider that does not participate in our network of providers, they are considered out-of-network services.

The Plan Allowance for Out-of-Network services will be equal to the In-Network Plan Allowance for the covered service (see page 52 for further details). When you use an Out-of-Network provider, you are responsible for the difference between the Plan Allowance and our payment plus the difference between the amount the provider bills and the Plan Allowance. Out-of-Network providers may charge their normal fees which may be greater than the Plan Allowance.

The Plan Allowance may very by geographic location and/or a participating provider's contracted fee schedule.

A pre-treatment estimate of benefits is recommended for any procedure which is anticipated to cost at least $300 or which involves mandatory consultant review. Mandatory consultant review applies to services such as but not limited to, periodontal services, crowns, bridges, inlays/onlays (when performed together) veneers, implants (when a plan provides benefits for these procedures) and overdentures, among other services. When your dentist suggests treatment, have them send a claim form, along with the proposed treatment plan and supporting documentation to MetLife. An explanation of benefits (EOB) will be sent to you and the dentist detailing an estimate of what services MetLife will cover and at what payment level. Actual payments may vary from the pre-treatment estimate depending upon annual maximums, deductibles, plan frequency limits and other plan provisions at time of payment.

Alternate benefits applicable to your treatment plan will be determined during Pre-certification. However, should the services billed differ from those pre-certified, MetLife reserves the right to determine if an Alternate Benefit is applicable to the actual services rendered.

If MetLife determines that a less costly covered service other than the covered service the dentist performed could have been performed to treat a dental condition we will pay benefits based upon the less costly service if such service would produce a professionally acceptable result under generally accepted dental standards

For example, when an amalgam filling and a composite filling are both professionally acceptable methods for filling a molar, or when a partial denture and fixed bridgework are both professionally acceptable methods for replacing multiple missing teeth in an arch we may base our benefit determination upon the amalgam filling or partial denture which is the less costly service.

MetLife's claim review is conducted by licensed dentist consultants who review the clinical documentation submitted by your treating dentist.  These dentist consultants review this material checking for dental necessity for certain procedures such as crowns, bridges, onlays, implants, periodontal treatments, as well as other services. The dentist consultants may also recommend that an alternate benefit be applied to a service in accordance with the terms of the plan. Therefore, we strongly recommend that you or your dentist request a pre-treatment estimate for services that are expected to cost at least $300, so that, you and your dentist are aware of the coverage terms and benefits before services are performed.

If you have dental coverage through your FEHB plan and coverage under FEDVIP, your FEHB plan will be the first payor of any benefit payments.  When services are rendered by a provider, who participates with both your FEHB and your FEDVIP plan, the FEDVIP Plan Allowance will prevail. We are responsible for facilitating the process with the primary FEHB payor. You are responsible for the difference if any between the FEHB and FEDVIP benefit payments and the FEDVIP Plan Allowance subject to any deductibles and benefits maximums. See examples 1 and 2 below. 

It is important to bring your FEDVIP and FEHB identification cards to every dental appointment because most FEHB plans offer some level of dental benefits separate from your FEDVIP coverage. Presenting both identification cards can ensure that you receive the maximum allowable benefit under each Program.

When the covered individual has FEHB coverage that offers dental benefits, FEHB is always First Payor.

Services are provided by an In-Network Provider

Provider submitted charge for a one surface amalgam filling*: $108.00
In-Network fee: $60.00
FEHB paid as first-payor (or MetLife's estimate): $16.00
MetLife benefits payable in the absence of FEHB coverage: $42.00 ($60.00 at 70%).
Payment by MetLife: $42.00

Patient's responsibility to the provider: $2.00 ($60.00-$16.00-$42.00=$2.00).

*This example assumes all deductibles have been met and annual maximums have not been reached.

When the covered individual has FEHB coverage that offers dental benefits, FEHB is always First Payor.

Services are provided by an Out-of-Network Provider

Provider submitted charge for one surface amalgam filling*: $108.00
Plan Allowance**: $90.00
FEHB payment as first payor (or MetLife's estimate): $16.00
MetLife benefits payable in the absence of FEHB coverage: $54.00 ($90.00 x 60%).
Payment by MetLife**:$54.00

Patient's responsibility to the provider**: $38.00 ($108.00-$16.00-$54.00=$38.00)

*This example assumes all deductibles have been met and annual maximums have not been reached.

**Assumes the provider charge is higher than MetLife's plan allowance. The plan allowance may vary by geographic location and/or a participating provider's contracted fee schedule. 

If you are covered under a non-FEHB plan, your MetLife Federal Dental benefits will be coordinated using traditional COB provisions for determining payment. Please see examples 1 and 2 below.

When benefits are coordinated between MetLife and a non-FEHB carrier, the maximum allowable charge may vary depending upon the contractual relationship and contracted fee between MetLife and non-FEHB carrier. The participant may be responsible for the difference between the combined non-FEHB and MetLife benefit payment and the providers’ allowable charge.

When MetLife is secondary to a non-FEHB dental carrier.

Services are provided by an In-Network Provider

Provider submitted charge for two surface amalgam filling: $121.00
In-Network Fee: $73.00
Payable by Primary Carrier: $60.50
MetLife benefits payable in the absences of other insurance*: $51.10 ($73.00 at 70%)
Payment by MetLife: $12.50
Patient’s responsibility to the provider **: $0 ($73.00 - $60.50 - $12.50 = $0.00)

*This example assumes all deductibles have been met and annual maximums have not been reached.

** Assumes the provider has no other contractual relationship regarding negotiated fees with the primary carrier.

When MetLife is secondary to a non-FEHB carrier

Services are provided by an Out-of-Network Provider

Provider submitted charge for 2 surface amalgam fillings: $113.00
Plan Allowance** $113.00: 
Payment of Primary Carrier: $96.80
MetLife benefits payable in the absence of other insurance*: $67.80 ($113.00 x 60%)
Payment by MetLife: $16.20
Patient’s responsibility to the provider **: $0 ($113.00 - $96.80 - $16.20 = $0)

*This example assumes all deductibles have been met and annual maximums have not been reached.

**Assumes the provider charge is within MetLife’s plan allowance. The plan allowance may vary be geographic location and/or a participating provider's contracted fee schedule. 

If the amount we pay is more than we should have paid under the First Payor provision or when benefits are coordinated we may recover the excess from one or more of:

• the person we have paid;
• insurance companies; or
• other organizations.

The amount of the payment includes the reasonable cash value of any benefits provided in the form of services. However, in no circumstance will the member be responsible for a greater out of pocket amount then he/she would have been responsible for had there been no overpayment.

If you live in a limited access area and you receive covered services from an Out-of- Network provider, we will pay benefits based on our In-Network Plan Allowances.  The determination of network adequacy is based on a ratio of Federal eligibles to network and general dentistry providers in a particular area.  To determine if you are in a limited access area or specialty services are needed, please contact MetLife at (888) 865-6854*. MetLife reviews the limited access areas quarterly to ensure you have adequate access to our general dentistry In-Network providers.  Therefore, we recommend you call (888) 865-6854 to confirm if you are still in a limited access area as your claim payment may be impacted.  The limited access rule applies to general dentistry providers and specialty services.  If the services must be provided by a specialist and one is not available in your area, please call us for assistance.  If an In-Network provider (general or specialist) can perform a specialty service, then that service will be covered at the In-Network benefit. Please contact MetLife at (888) 865-6854 or visit our website at MetLife.com/FEDVIP-Dental to obtain a list of In-Network general dentists in your area, who may be able to perform specialty services.

*Hearing and Speech impaired individuals may communicate using a text telephone device and Relay Services by dialing the MetLife Federal Dental number of “888-865-6854”. Relay Services is immediate assistance. The Message Relay Service enables customers who are deaf, hard of hearing, or speech impaired, and who use a Teletypewriter (TTY), to communicate with others via the telephone. You simply type your conversation to a Relay Agent who then reads the typed conversation to the other party. The text telephone is used through a callers wireless provider as long as they have a TTY compatible phone.

Should you experience a lapse in coverage during the calendar year, any benefits paid after reinstatement will be accrued to the maximums applicable to that same calendar year.

A deductible is a fixed amount of expenses you must incur for certain covered services and supplies before we will pay for covered services. There is no family deductible limit. Covered charges credited to the deductible are also counted towards the Plan maximum and limitations.

Class A
In-Network High Option: $0
In-Network Standard Option: $0
Out-of-Network High Option: $50
Out-of-Network Standard Option: $100

Class B
In-Network High Option: $0
In-Network Standard Option: $0
Out-of-Network High Option: $50
Out-of-Network Standard Option: $100

Class C
In-Network High Option: $0
In-Network Standard Option: $0
Out-of-Network High Option: $50
Out-of-Network Standard Option: $100

Orthodontics
In-Network High Option: $0
In-Network Standard Option: $0
Out-of-Network High Option: $0
Out-of-Network Standard Option: $0

Coinsurance is the percentage of our allowance that you must pay for your care.  Coinsurance does not begin until you meet your deductible, if applicable.

Class A
In-Network High Option: 0%
In-Network Standard Option: 0%
Out-of-Network High Option: 10%
Out-of-Network Standard Option: 40%

Class B
In-Network High Option: 30%
In-Network Standard Option: 45%
Out-of-Network High Option: 40%
Out-of-Network Standard Option: 60%

Class C
In-Network High Option: 50%
In-Network Standard Option: 65%
Out-of-Network High Option: 60%
Out-of-Network Standard Option: 80%

Orthodontics
In-Network High Option: 30%
In-Network Standard Option: 50%
Out-of-Network High Option: 30%
Out-of-Network Standard Option: 50%

Once you reach this amount, you are responsible for all additional charges. The Annual Benefit Maximums within each option are combined between In and Out-of-Network services. The total Annual Benefit Maximum will never be greater than the In-Network Annual Benefit Maximum.

Annual Benefits Maximum
In-Network High Option: Unlimited
In-Network Standard Option: $1,500
Out-of-Network High Option: Unlimited
Out-of-Network Standard Option: $1,000

The Orthodontia Lifetime Benefit Maximum is applicable to Orthodontia benefits only. There are no other lifetime maximums under this Plan.

Lifetime Orthodontia Maximum
In-Network High Option: $5,000 (child)/ $3,000 (adult)
In-Network Standard Option: $2,000
Out-of-Network High Option: $5,000 (child)/ $3,000 (adult)
Out-of-Network Standard Option: $2,000

Care that you receive from a MetLife Preferred Dentist Program (PPO) provider is considered In-Network. Plan participants are not required to select a primary care dentist and are free to select the dentist of their choice. No referral process is needed for access to specialty care.  In most cases, use of In-Network providers results in a lower out-of-pocket expense to you. 

If you reside in a limited access area your benefits will be paid at the In-Network benefit level. For additional information on limited access areas, please see Section 3, How You Obtain Care.

Remember, for In-Network services you only pay the difference between the Plan Allowance for the covered service and the plan's benefit payment subject to any deductibles and benefits maximums.

All services rendered by an Out-of-Network dentist will be paid as Out-of-Network benefits. except for limited access benefits.

The plan allowance for Out-of-Network services will be equal to the In-Network Plan Allowance for the covered service. The Out-of-Network Plan Allowance may vary be geographic location and/or a participating provider's contracted fee schedule.

When you use an Out-of-Network provider, you are responsible for the difference between the Plan Allowance and our payment plus the difference between the amount the provider bills and the Plan Allowance.

The calendar year refers to the plan year, which is defined as January 1, 2023 to December 31, 2023.

If orthodontia services are initiated prior to the effective date of coverage, we will prorate benefits. Twenty-five percent (25%) of the Plan Allowance is considered as the fee for initial placement of the appliance. Because this occurred prior to the effective date of coverage, it is considered a non- covered expense. The balance of the Plan Allowance, 75%, will be divided by the total number of monthly visits provided in the orthodontist's treatment plan. Benefits are payable at 50% of the Plan Allowance.

Actual Fee: $6,400

Treatment Plan: 24 visits
Number of monthly visits (not covered): 14, Provided prior to being eligible for orthodontia benefits.
Number of monthly visits (covered): 10, 24 total visits minus 14 provided prior to being eligible for orthodontia benefits.
Plan Allowance for initial placement: $1,600, $6,400 x 25% = $1,600 (This is a non-covered expense as it occurred prior to being eligible for orthodontia benefits
Plan Allowance for monthly visits: $4,800, $6,400 - $1,600 = $4,800
Plan Allowance per visit: $200, $4,800 divided by 24
Total Plan Allowance for covered visits: $2,000, $200 times 10 covered visits
Total plan payment: $1,000, Benefit is 50% of Plan Allowance for covered services

Actual Fee: $6,400

Treatment Plan: 24 visits
Number of monthly visits (not covered): 14, Provided prior to being eligible for orthodontia benefits.
Number of monthly visits (covered): 10, 24 total visits minus 14 provided prior to being eligible for orthodontia benefits.
Plan Allowance for initial placement: $1,600, $6,400 x 25% = $1,600. (This is a non-covered expense as it occurred prior to being eligible for orthodontia benefits)
Plan Allowance for monthly visits: $4,800, $6,400 - $1,600 = $4,800
Plan Allowance per visit: $200, $4,800 divided by 24
Total Plan Allowance for covered visits: $2,000, $200 x 10 covered visits
Total Plan Payment: $1,400, Benefit is 70% of Plan Allowance for covered orthodontia services

In-progress treatment for dependents of retiring active duty service members who were enrolled in the TRICARE Dental Program (TDP) will be covered for the 2023 plan year, regardless of any current plan exclusion for care initiated prior to the enrollee's effective date

This requirement includes assumption of payments for covered orthodontia services up to the FEDVIP policy limits, and full payment where applicable up to the terms of FEDVIP policy for covered services completed (but not initiated) in the 2023 plan year such as crowns and implants.

FEDVIP carriers will not cover in-progress treatment if you enroll in a FEDVIP plan that has a waiting period, or does not cover the service. Several FEDVIP dental plans have options that offer orthodontia coverage without a 12-month waiting period, and without age limits. Note - There are no waiting periods for any benefits on this plan.

D0120 Periodic oral evaluation - Limited to 1 every 6 months

D0140 Limited oral evaluation - problem focused - Limited to 1 every 6 months

D0150 Comprehensive oral evaluation - Limited to 1 every 6 months

D0180 Comprehensive periodontal evaluation - Limited to 1 every 6 months

D0240 Intraoral - occlusal radiographic image

D0260 Extraoral – Each Additional Radiographic Image

D0372 A radiographic survey of the whole mouth intended to display the crowns and roots of all teeth, periapical areas, interproximal areas and alveolar bone including edentulous areas. Comprehensive series of radiographic images - 1 every 60 (sixty) months

D0373 Intraoral tomosynthesis- bitewing radiographic image - 1 set every 6 months

D0374 Intraoral tomosynthesis – periapical radiographic image

D0391 Interpretation of Diagnostic Image

D1110 Prophylaxis – Adult - Limited to 1 every 6 months

D1120 Prophylaxis – Child - Limited to 1 every 6 months

D1206 Topical Fluoride - Varnish  -1 in 12 months for adults, 2 every 12 months for dependent children based on age limits.

D1208 Topical application of fluoride (excluding prophylaxis) - 2 every 12 months for dependent children based on age limits.

D1355 caries preventive medicament application – per tooth - 1 every 36 months

D1510 Space maintainer – fixed – unilateral - Limited to children under age 19

D1516 Space Maintainer- Fixed-bilateral, Maxillary-Limited to children under age 19.

D1517 Space Maintainer- Fixed-bilateral, mandibular-Limited to children under under age 19.

D1520 Space maintainer - removable – unilateral - Limited to children under age 19

D1526 Space Maintainer removable-bilateral,maxillary-Limited to children under age 19.

D1527 Space Maintainer Removable bilateral,mandibular-Limited to children under age 19.

D1551 Re-cement or re-bond bilateral space maintainer-maxillary

D1552 Re-cement or re-bond bilateral space maintainer-mandibular.

D1553 Re-cement or re-bond unilateral space maintainer-per quadrant.

D1575 Distal space maintainer fixed.

D9110 Palliative treatment of dental pain – minor procedure

D9310 Consultation (diagnostic service provided by dentist or physician other than practitioner providing treatment)

D9311 Consultation With Medical Professional

D9440 Office Visit- after regularly scheduled hours

D0387 Intraoral tomosynthesis – comprehensive series of radiographic images

D0388 Intraoral tomosynthesis – bitewing radiographic image – image capture only

D0389 Intraoral tomosynthesis – periapical radiographic image – image capture only

D0414 Lab microbial specimen

D0419 Assessment of salivary flow by measurement.

D0486 Accession Transepithelial

D0604 Antigen Test For Pathogen

D0605 Antibody Test For Pathogen

D0606 Molecular testing for a public health related pathogen, including Coronavirus

D0701 Panoramic radiographic image – image capture only

D0702 2-D cephalometric radiographic image – image capture only

D0703 2-D oral/facial photographic image obtained intra-orally or extra-orally – image capture only

D0705 Extra-oral posterior dental radiographic image – image capture only

D0706 Intraoral – occlusal radiographic image – image capture only

D0707 Intraoral – periapical radiographic image – image capture only

D0708 Intraoral – bitewing radiographic image – image capture only

D0709 Intraoral – complete series of radiographic images – image capture only

D0801 3D dental surface scan – direct

D0802 3D dental surface scan – indirect

D0803 3D facial surface scan – direct

D0804 3D facial surface scan – indirect

D1321 Counseling for the control and prevention of adverse oral, behavioral, and systemic health effects associated with high-risk substance use

D1556 Removal of fixed unilateral space maintainer – per quadrant.

D1557 Removal of fixed bilateral space maintainer – maxillary.

D1558 Removal of fixed bilateral space maintainer – mandibular.

D1701 Pfizer COVID vaccine administration first dose.

D1702 Pfizer COVID administration second dose

D1703 Moderna COVID vaccine administration first dose

D1704 Moderna COVID vaccine administration second dose

D1705 AstraZen COVID vaccine administration first dose

D1706 AstraZen COVID vaccine administration second dose

D1707 Janssen COVID vaccine administration

D1708 Pfizer-BioNTech Covid-19 vaccine administration – third dose

D1709 Pfizer-BioNTech Covid-19 vaccine administration – booster dose

D1710 Moderna Covid-19 vaccine administration – third dose

D1711 Moderna Covid-19 vaccine administration – booster dose

D1712 Janssen Covid-19 Vaccine Administration - booster dose

D1713 Pfizer-BioNTech Covid-19 vaccine administration tris-sucrose pediatric – first dose

D1714 Pfizer-BioNTech Covid-19 vaccine administration tris-sucrose pediatric – second dose

D1781 Vaccine administration – human papillomavirus – Dose 1

D1782 Vaccine administration – human papillomavirus – Dose 2

D1783 Vaccine administration – human papillomavirus – Dose 3

D2140 Amalgam - one surface, primary or permanent

D2150 Amalgam - two surfaces, primary or permanent

D2160 Amalgam - three surfaces, primary or permanent

D2161 Amalgam - four or more surfaces, primary or permanent

D2330 Resin–based composite - one surface, anterior 

D2331 Resin-based composite - two surfaces, anterior 

D2335 Resin-based composite - four or more surfaces or involving incisal angle (anterior)

D2390 Resin Crown-1 every 60 months

D2610 Porcelain Inlay-1 every 60 months

D2620 2 Surface Porcelain Inlay-1 every 60 months

D2951 Pin retention - per tooth, in addition to restoration

D3220 Therapeutic pulpotomy (excluding final restoration) -  If a root canal is within 45 days of the pulpotomy, the pulpotomy is not a covered service since it is considered a part of the root canal procedure and benefits are not payable separately.

D3230 Pulpal therapy (resorbable filling) - anterior, primary tooth (excluding final restoration) - Limited to primary incisor teeth for members up to age 6 and for primary molars and cuspids up to age 11 and is limited to once per tooth per lifetime.

D3240 Pulpal therapy (resorbable filling) - posterior, primary tooth excluding final restoration). Incomplete endodontic treatment when you discontinue treatment. - Limited to primary incisor teeth for members up to age 6 and for primary molars and cuspids up to age 11 and is limited to once per tooth per lifetime.

D3355 Pulpal regeneration – initial visit - Limited to 1 per lifetime.

D3356 Pulpal regeneration – interim medication replacement - Limited to 1 per lifetime.

D3357 Pulpal regeneration – completion of treatment - Limited to 1 per lifetime

D4341 Periodontal scaling and root planning-four or more teeth per quadrant – Limited to 1 every 24 months

D4342 Periodontal scaling and root planning-one to three teeth, per quadrant – Limited to 1 every 24 months

.

D4381 Localized delivery of antimicrobial agents via a controlled release vehicle into diseased crevicular tissue, per tooth.

D4910 Periodontal maintenance – 4 in 12 months combined with adult prophylaxis after the completion of active periodontal therapy

D5410 Adjust complete denture – maxillary

D5411 Adjust complete denture – mandibular

D5421 Adjust partial denture – maxillary

D5422 Adjust partial denture - mandibular

D5520 Replace missing or broken teeth - complete denture (each tooth)

D5630 Repair or replace broken clasp

D5640 Replace broken teeth - per tooth

D5650 Add tooth to existing partial denture

D5660 Add clasp to existing partial denture

D5710 Rebase complete maxillary denture - Limited to 1 in a 36-month period 6 months after the initial installation

D5720 Rebase maxillary partial denture - Limited to 1 in a 36-month period 6 months after the initial installation

D5721 Rebase mandibular partial denture - Limited to 1 in a 36-month period 6 months after the initial installation

D5725 Rebase hybrid prosthesis-Replacing the base material connected to the framework-Limited to a 1 in a 36-month period 6 months after the initial installation

D5750 Reline complete maxillary denture (laboratory) - Limited to 1 in a 36-month period 6 months after the initial installation

D5751 Reline complete mandibular denture (laboratory) - Limited to 1 in a 36-month period 6 months after the initial installation

D5760 Reline maxillary partial denture (laboratory) - Limited to 1 in a 36-month period 6 months after the initial installation

D5761 Reline mandibular partial denture (laboratory) Rebase/Reline - Limited to 1 in a 36-month period 6 months after the initial installation.

D5765 Soft liner for complete or partial removable denture-indirect-A discrete procedure provided when the dentist determines placement of the soft liner is clinically indicated-Limited to a 1 in 36-month period 6 months after the initial installation

D5850 Tissue conditioning (maxillary)

D5851 Tissue conditioning (mandibular)

D6930 Recement fixed partial denture

D6980 Fixed partial denture repair, by report

D7140 Extraction, erupted tooth or exposed root (elevation and/or forceps removal)

D7210 Surgical removal of erupted tooth requiring elevation of mucoperiosteal flap and removal of bone and/or section of tooth

D7220 Removal of impacted tooth - soft tissue

D7230 Removal of impacted tooth – partially bony

D7240 Removal of impacted tooth - completely bony

D7241 Removal of impacted tooth - completely bony with unusual surgical complications

D7250 Surgical removal of residual tooth roots (cutting procedure)

D7270 Tooth reimplantation and/or stabilization of accidentally evulsed or displaced tooth

D7280 Surgical access of an unerupted tooth

D7310 Alveoloplasty in conjunction with extractions - per quadrant

D7311 Alveoloplasty in conjunction with extractions-one to three teeth or tooth spaces, per quadrant

D7320 Alveoloplasty not in conjunction with extractions - per quadrant

D7321 Alveoloplasty not in conjunction with extractions-one to three teeth or tooth spaces, per quadrant

D7471 Removal of exostosis

D7510 Incision and drainage of abscess - intraoral soft tissue

D7910 Suture of recent small wounds up to 5 cm

D7962 Lingual Frenectomy

D7971 Excision of pericoronal gingiva

D7298 Removal of temporary anchorage device (screw retained plate), requiring flap

D7299 Removal of temporary anchorage device, requiring flap

D7300 Removal of temporary anchorage device without flap

D7922 Placement of intra-socket biological dressing to aid in hemostasis or clot stabilization, per site.

D0160 Detailed and extensive oral evaluation - problem focused, by report

D2510 Inlay - metallic – one surface – An alternate benefit will be provided

D2520 Inlay - metallic – two surfaces – An alternate benefit will be provided

D2530 Inlay - metallic – three surfaces – An alternate benefit will be provided

D2542 Onlay - metallic - two surfaces – Limited to 1 per tooth every 60 months

D2543 Onlay - metallic - three surfaces – Limited to 1 per tooth every 60 months

D2544 Onlay - metallic - four or more surfaces – Limited to 1 per tooth every 60 months

D2740 Crown - porcelain/ceramic substrate - Limited to 1 per tooth every 60 months

D2750 Crown - porcelain fused to high noble metal - Limited to 1 per tooth every 60 months

D2751 Crown - porcelain fused to predominately base metal – Limited to 1 per tooth every 60 months

D2752 Crown - porcelain fused to noble metal – Limited to 1 per tooth every 60 months

D2753 Crown - porcelain fused to titanium and titanium alloys - Limited to 1 per tooth every 60 months.

D2780 Crown - 3/4 cast high noble metal – Limited to 1 per tooth every 60 months

D2781 Crown - 3/4 cast predominately base metal – Limited to 1 per tooth every 60 months

D2790 Crown - full cast high noble metal– Limited to 1 per tooth every 60 months

D2791 Crown - full cast predominately base metal – Limited to 1 per tooth every 60 months

D2792 Crown - full cast noble metal– Limited to 1 per tooth every 60 months

D2794 Crown – titanium– Limited to 1 per tooth every 60 months

D2928 Prefabricated porcelain/ceramic crown – permanent tooth - limited to 1 per tooth every 60 months

D2932 Resin crown - Limited to 1 per tooth every 60 months.

D2950 Core buildup, including any pins– Limited to 1 per tooth every 60 months

D2954 Prefabricated post and core, in addition to crown– Limited to 1 per tooth every 60 months

D2980 Crown repair, by report

D3310 Anterior root canal (excluding final restoration)

D3320 Bicuspid root canal (excluding final restoration)

D3330 Molar root canal (excluding final restoration)

D3346 Retreatment of previous root canal therapy-anterior

D3347 Retreatment of previous root canal therapy-bicuspid

D3348 Retreatment of previous root canal therapy-molar

D3351 Apexification/recalcification – initial visit (apical closure/calcific repair of perforations, root resorption, etc.)

D3352 Apexification/recalcification – interim medication replacement (apical closure/calcific repair of perforations, root resorption, etc.)

D3353 Apexification/recalcification - final visit (includes completed root canal therapy, apical closure/calcific repair of perforations, root resorption, etc.)

D3410 Apicoectomy/periradicular surgery - anterior

D3421 Apicoectomy/periradicular surgery - bicuspid (first root)

D3425 Apicoectomy/periradicular surgery - molar (first root)

D3426 Apicoectomy/periradicular surgery (each additional root)

D3450 Root amputation - per root

D3471 Surgical repair of root resorption - anterior

D3472 Surgical repair of root resorption – premolar

D3473 Surgical repair of root resorption – molar

D3501 Surg Exp of Root-Anterior

D3502 Surg Exp of Root-Premolar

D3503 Surg Exp of Root-Molar

D3920 Hemisection (including any root removal) - not including root canal therapy

D3921 Intentional removal of coronal tooth structure for preservation of the root and surrounding bone

D4240 Gingival flap procedure, four or more teeth – Limited to 1 every 36 months

D4260 Osseous surgery (including flap entry and closure), four or more contiguous teeth or bounded teeth spaces per quadrant – Limited to 1 every 36 months

D4270 Pedicle soft tissue graft procedure

D5110 Complete denture - maxillary – Limited to 1 every 60 months

D5120 Complete denture - mandibular – Limited to 1 every 60 months

D5130 Immediate denture - maxillary – Limited to 1 every 60 months

D5140 Immediate denture - mandibular – Limited to 1 every 60 months

D5211 Maxillary partial denture - resin base (including any conventional clasps, rests and teeth) – Limited to 1 every 60 months

D5212 Mandibular partial denture - resin base (including any conventional clasps, rests and teeth) – Limited to 1 every 60 months

D5213 Maxillary partial denture - cast metal framework with resin denture base (including any conventional clasps, rests and teeth)– Limited to 1 every 60 months

D5222 Immediate mandibluar partial denture-resin base  (including any conventional clasps, rests and teeth)-Limited to 1 every 60 months.

D5227 Immediate maxillary partial denture-flexible base (including any clasps, rests and teeth)-Limited to 1 every 60 months

D5228 Immediate mandibular partial denture-flexible base (including clasps, rests and teeth)-Limited to 1 every 60 months

D5282 Removable Unilateral Partial denture-one piece cast metal (including clasps and teeth), maxillary-Limited to 1 every 60 months 

D5283 Removable Unilateral partial denture-one piece cast metal (including clasps and teeth), mandibular-Limited to 1 every 60 months 

D5284 Removable unilateral partial denture – one piece flexible base (including clasps and teeth) – per quadrant - Limited to 1 every 60 months.

D5286 Removable unilateral partial denture – one piece resin (including clasps and teeth) – per quadrant - Limited to 1 every 60 months.

D5876 Add metal substructure to acrylic full denture (per arch)-Limit 1 every 60 months.

D6012 Surgical Placement of Interim Implant Body - 1 every 60 months

D6040 Eposteal Implant – 1 every 60 months

D6050 Transosteal Implant, Including Hardware – 1 every 60 months

D6056 Prefabricated Abutment – 1 every 60 months

D6080 Implant Maintenance Procedures -1 every 60 months

D6082 Implant supported crown – porcelain fused to predominantly base alloys - 1 every 60 months.

D6083 Implant supported crown – porcelain fused to noble alloys - 1 every 60 months.

D6084 Implant supported crown – porcelain fused to titanium and titanium alloys - 1 every 60 months.

D6086 Implant supported crown – predominantly base alloys - 1 every 60 months.

D6087 Implant supported crown – noble alloys - 1 every 60 months.

D6088 Implant supported crown – titanium and titanium alloys - 1 every 60 months.

D6097 Abutment supported crown – porcelain fused to titanium and titanium alloy - 1 every 60 months.

D6098 Implant supported retainer – porcelain fused to predominantly base alloys - 1 every 60 months.

D6099 Implant supported retainer for FPD – porcelain fused to noble alloys - 1 every 60 months.

D6100 Implant Removal - 1 every 60 months 

D6101 Debridement periimplant defect - Limited to 1 every 60 months

D6102 Debridement and osseous periimpant defect - Limited to 1 every 60 months

D6103 Bone graft periimplant defect.

D6104 Bone graft implant replacement.

D6105 Removal of implant body not requiring bone removal nor flap elevation - 1 every 60 (sixty) months

D6106 Guided tissue regeneration – resorbable barrier, per implant - 1 every 36 months

D6107 Guided tissue regeneration – non-resorbable barrier, per implant - 1 every 36 months

D6120 Implant supported retainer – porcelain fused to titanium and titaniumalloys - 1 every 60 months.

D6121 Implant supported retainer for metal FPD – predominantly base alloys - 1 every 60 months.

D6122 Implant supported retainer for metal FPD – noble alloys - 1 every 60 months.

D6123 Implant supported retainer for metal FPD – titanium and titanium alloys - 1 every 60 months.

D6191 Semi-precision abutment – placement - 1 every 60 months

D6192 - Semi-precision attachment – placement - 1 every 60 months

D6195 Abutment supported retainer – porcelain fused to titanium and titanium alloys - 1 every 60 months.

D6197 Replacement of restorative material used to close an access opening of a screw-retained implant supported prosthesis, per implant

D6243 - Pontic – porcelain fused to titanium and titanium alloys - 1 every 60 months.

D6751 Crown - porcelain fused to predominately base metal - 1 every 60 months

D6753 Retainer crown – porcelain fused to titanium and titanium alloys - 1 every 60 months.

D6781 Crown - 3/4 cast predominately base metal - 1 every 60 months

D6782 Crown - 3/4 cast noble metal - 1 every 60 months

D6784 Retainer crown ¾ titanium and titanium alloys - 1 every 60 months.

D9932 Cleaning and inspection of removable complete denture, maxillary-1 every 6 months.

D9944 Occlusal guard-hard appliance, full arch - 1 in 12 months for patients 13 and older.

D9945 Occlusal guard-soft appliance, full arch - 1 in 12 months for patients 13 and older.

D9946 Occlusal guard-hard appliance, partial arch - 1 in 12 months for patients 13 and older.

D198 Remove interim implant component-(e.g., interim abutment provisional implant crown) originally placed for a specific clinical purpose and period of time determined by the dentist

D2410 Gold Foil 1 surface

D2420 Gold Foil 2 surface

D2430 Gold Foil 3 surface

D2799 Provisional Crown

D2955 Post Removal

D2975 Coping

D3460 Endodontic Implant

D3470 Intentional reimplantation

D3910 Surgical procedure for isolation of tooth

D3911 Intraorifice Barrier.

D3950 Canal preparation

D4230 Anatomical crown exposure 1-3 teeth

D4231 Anatomical crown exposure 1-3 teeth

D4286 Removal of non-resorbable barrier

D4322 Splint-intra-coronal

D4323 Splint-extra-coronal

D5810 Complete denture upper (interim)

D5811 Complete denture lower (interim)

D5820 Partial denture upper (interim)

D5821 Partial denture lower (interim)

D5862 Precision Attachment

D5867 Replacement Precision Attachment

D5986 Fluoride Gel Carrier

D6051 Interim Abutment

D6198 Remove interim implant component-(e.g. interim abutment: provisional implant crown) originally placed for a specific clinical purpose and period of time determined by the dentist.

D6253 Provisional Pontic

D6920 Connector bar

D6940 Stress breaker

D6950 Precision Attachment

D9987 Cancelled Appointment

D9991 Case management barriers.

D9997 Dental case management – patients with special health care needs.

D8010 Limited orthodontic treatment of the primary dentition

D8020 Limited orthodontic treatment of the transitional dentition

D8070 Comprehensive orthodontic treatment of the transitional dentition

D8080 Comprehensive orthodontic treatment of the adolescent dentition

D8210 Removable appliance therapy

D8220 Fixed appliance therapy

D8670 Periodic orthodontic treatment visit (as part of contract)

Services Not Covered:

(Please refer to Section 7 for a list of General Exclusions)

• Repair of orthodontic appliance/retainer.
• Removable orthodontic retainer adjustment.
• Replacement of lost or broken appliance/retainer.
• Re-cement or re-bond retainer.
• Services to alter vertical dimension and/or restore or maintain the occlusion. Such procedures include, but are not limited to, equilibration, periodontal splinting, full mouth rehabilitation, and restoration for misalignment of teeth.
• Removal of fixed orthodontic appliances for reasons other than completion of treatment

• Orthodontic care for dependent children age 22 and over for Federal civilian employees.

• Orthodontic care for dependent children age 21 and over OR full-time students age 23 and over for TRICARE eligible enrollees.

D9222 Deep sedation/general anesthesia-first 15 minutes

D9239 Intravenous moderate (conscious) sedation/analgesia-first 15 minutes

D9613 Infiltration of a sustained release therapeutic drug-single or multiple sites.  

D0472 Oral Pathology lab

D0473 Oral Pathology lab

D0474 Oral Pathology lab

D0480 Oral Pathology lab

D0502 Oral Pathology lab

D5911 Facial Moulage (sectional)

D5912 Facial Moulage (complete)

D5913 Nasal Prosthesis

D5914 Auricular Prosthesis

D5915 Orbital Prosthesis

D5916 Ocular Prosthesis

D5919 Facial Prosthesis

D5922 Nasal Septal Prosthesis

D5923 Ocular Prosthesis (interim)

D5924 Cranial Prosthesis

D5925 Facial Augmentation implant

D5926 Nasal Prosthesis (replacement)

D5927 Auricular Prosthesis (replacement)

D5928 Orbital Prosthesis (replacement)

D5929 Facial Prosthesis (replacement)

D5931 Obturator Prosthesis (surgical)

D5932 Obturator Prosthesis (definitive)

D5933 Obturator Prosthesis (modification)

D5934 Mandibular resection Prosthesis w/guide flange

D5935 Mandibular resection Prosthesis w/out guide flange

D5936 Obturator Prosthesis (interim)

D5937 Trismus Appliance

D5951 Feeding Aid

D5952 Speech Aid prosthesis (pediatric)

D5953 Speech Aid prosthesis (adult)

D5954 Palatal Augmentation Prosthesis

D5955 Palatal Lift Prosthesis (definitive)

D5958 Palatal Lift Prosthesis (interim)

D5959 Palatal Lift Prosthesis (modification)

D5960 Speech Aid Prosthesis (modification)

D5982 Surgical Stent

D5983 Radiation Carrier

D5984 Radiation Shield

D5985 Radiation Cone locator

D5987 Commissure Splint

D5988 Surgical Splint

D7285 Biopsy of oral tissue (hard)

D7286 Biopsy of oral tissue (soft)

D7410 Lesion up to 1.25 (benign)

D7411 Lesion greater than 1.25 (benign)

D7412 Complicated lesion (benign)

D7413 Lesion up to 1.25 (malignant)

D7414 Lesion greater than 1.25 (malignant)

D7415 Complicated lesion (malignant)

D7440 Lesion diameter up to 1.25 (malignant)

D7441 Lesion diameter greater than 1.25 (malignant)

D7460 Removal of Benign lesion up to 1.25

D7461 Removal of Benign lesion greater than 1.25

D7465 Destruction of lesion (by report)

D7490 Radical resection upper/lower

D7509 Marsupialization of odontogenic cyst

D7530 Removal of foreign body

D7540 Removal of reaction producing the foreign body

D7550 Partial Ostectomy

D7560 Maxillary Sinusotomy

D7610 Upper open reduction

D7620 Upper closed reduction

D7630 Lower open reduction (simple)

D7640 Lower closed reduction (simple)

D7650 Open reduction (simple)

D7660 Closed reduction (simple)

D7670 Alveolus closed reduction (simple)

D7671 Alveolus open reduction (simple)

D7680 Facial bones (simple)

D7710 Upper open reduction (compound)

D7720 Upper closed reduction (compound)

D7730 Lower open reduction (compound)

D7740 Lower closed reduction (compound)

D7780 Facial bones (compound)

D7810 TMJ open reduction

D7820 TMJ closed reduction

D7830 TMJ manipulation

D7840 Condylectomy

D7850 Surgical discectomoy

D7852 Disc repair

D7854 Synovectomy

D7856 Myotomy

D7858 Joint reconstruction

D7860 Arthrotomy

D7865 Arthroplasty

D7870 Arthrocentesis

D7871 Non-Arthroscopic

D7872 Arthroscopy with or without a biopsy

D7873 Arthoscopy surgical adhesions

D7874 Arthoscopy surgical disc

D7876 Arthoscopy surgical discectomy

D7875 Arthoscopy surgical synovectomy

D7877 Arthoscopy surgical debridement

D7911 Complicated sutures up to 5 cm.

D7912 Complicated sutures greater than 5 cm.

D7920 Skin graft

D7940 Osteoplasty deformities

D7941 Osteotomy lower rami

D7943 Osteotomy lower rami with bone graft

D7944 Osteotomy segmented

D7945 Osteotomy body of mandible

D7946 Lefort I upper total

D7947 Lefort I upper segmented

D7948 Lefort II or Lefort III without bone graft

D7949 Lefort II or Lefort III with bone graft

D7955 Repair of Maxillofacial soft or hard tissue

D7956 Guided tissue regeneration, edentulous area – resorbable barrier, per site

D7957 Guided tissue regeneration, edentulous area – non-resorbable barrier, per site

D7980 Sialolithotomy

D7981 Excision of salivary gland

D7982 Sialodochoplasty

D7983 Closure of salivary fistula

D7990 Emergency tracheotomy

D7991 Coronoidectomy

D7993 surgical placement of craniofacial implant – extra oral

D7994 surgical placement: zygomatic implant

D7995 Synthetic graft

D7996 Implant lower for augmentation purposes

D9130 TMJ Non-Invasive physical therapies.

D9912 Pre-visit patient-screening-Capture and documentation of a patient's health status prior to or on the scheduled date of service to evaluate risk of infectious disease transmission if the patient is to be treated within the dental practice

D9947 Custom sleep apnea appliance fabrication and placement

D9948 Adjustment of custom sleep apnea appliance

D9949 Repair of custom sleep apnea appliance

D9953 Reline custom sleep apnea appliance (indirect)

D9961 Duplicate/Copy Patients Records.

D9990 Certified translation or sign-language services-per visit.

We will pay benefits, subject to plan provisions, in an amount equal to the covered percentage for the charges incurred by you.  All payments will be made in U.S. currency.

International employees and their dependents may contact AXA Assistance USA (AXA) for referral to dental providers outside of the continental United States or may use the dentist of their choice.  The process involves a plan participant calling AXA at (312) 935-9210 collect or (866) 384-2771 to find a local provider in their country.  International participants will receive In-Network benefit when services are performed by an Out-of-Network internationally located provider.

The plan participant will be responsible for paying the dentist and submitting the claims to MetLife for reimbursement at the following address.

Mail completed claim form to:

MetLife Dental Claims

P.O. Box 981282

El Paso, TX 79998-1282

To avoid delay in the payment of your claims please have your dentist submit your claims directly to MetLife for payment.

MetLife’s dental providers may submit their claims directly to MetLife by accessing MetDental.com where we provide them with real-time results.  However, should you wish to send in a paper claim you may download a claim form from the website MetLife.com/FEDVIP-Dental

Mail completed claim form to:

MetLife Dental Claims
P.O. Box 981282
El Paso, TX 79998-1282

When a claimant files a claim for dental insurance benefits described in this brochure, both the notice of claim and the required Proof should be sent to us within 90 days of the date of a loss.  If notice of claim or proof is not given within the time limits described in this section, the delay will not cause a claim to be denied or reduced if such notice and Proof are given as soon as is reasonably possible

Follow this disputed claims process if you disagree with our decision on your claim or request for services.  FEDVIP legislation does not provide a role for OPM to review disputed claims.

Step 1:

Ask us in writing to reconsider our initial decision.  You must include any pertinent information omitted from the initial claim filing and mail your additional proof to us within 180 days from the date of receipt of our decision.

Step 2:

Send your request for reconsideration to:

MetLife Dental Claims Appeals

P.O. Box 14589

Lexington, KY 40512

We will review your request and provide you with a written or electronic explanation of benefit determination within 30 days of the receipt of your request.

Step 3:

If you disagree with the decision regarding your request for reconsideration, you may request a second review of the denial.  You must submit your request to us in writing to the address shown above along with any additional information you or your dentist can provide to substantiate your claim so that we can reconsider our decision. Failure to do so will disqualify the appeal of your claim.

Step 4:

If you do not agree with our final decision, under certain circumstances you may request an independent third party, mutually agreed upon by MetLife and OPM, review the decision. To qualify for this independent third party review the charge for the procedure in question must be in excess of $300 and the reason for denial must be based on our determination that the rationale for the procedure did not meet our dental necessity criteria or our administration of the plans Alternate Benefit provision, for example, a bridge being given an alternate benefit of a partial denture.

The decision of the independent third party is binding and is the final review of your claim. This decision is not subject to judicial review.

If the matter is not eligible for this third level of review, the second level of review is binding and is the final remedy available to you. This decision is not subject to judicial review.

MetLife will review your claim and notify you of its decision to approve or deny your claim.  Such notification will be provided to you within a 30-day period from the date you submitted your claim; except for situations requiring an extension of time of up to 15 days because of matters beyond the control of the Plan.  If MetLife needs such an extension, MetLife will notify you prior to the expiration of the initial 30 day period, state the reason why the extension is needed, and state when it will make its determination.  If an extension is needed because you did not provide sufficient information or filed an incomplete claim, the time from the date of MetLife’s notice requesting further information and an extension until MetLife receives the requested information does not count toward the time period MetLife is allowed to notify you as to its claim decision.  You will have 45 days to provide the requested information from the date you receive the notice requesting further information from MetLife.

We have the right to recover any amount that we determine to be an overpayment, whether for services received by you or your dependents.

An overpayment occurs if we determine that:

• the total amount paid by us on a claim for dental benefits is more than the total of the benefits due to you under this brochure; or
• payment we made should have been made by another group plan

If such overpayment occurs, you have an obligation to reimburse us.

We may recover the overpayment from you by: stopping or reducing any future benefits payable under the MetLife Federal Dental Plan; demanding an immediate refund of the overpayment from you; and/or taking legal action.

We may recover such overpayment in accordance with that agreement.  If the overpayment results from MetLife having made a payment to you that should have been made under another group plan, we may recover such overpayment from one or more of the following:

• any other insurance company;
• any other organization; or
• from you.

This section describes how medical information about you may be used and disclosed and how you can get information.  Please review this section carefully.

MetLife and each member of the MetLife family of companies (an Affiliate”) strongly believe in protecting the confidentiality and security of information we collect about you.  This section refers to MetLife by using the terms “us,” “we,” or “our.”

This section describes how we protect the Personal Health Information we have about you which relates to your coverage under the MetLife Federal Dental Plan (“Personal Health Information”), and how we may use and disclose this information.  Personal Health Information includes individually identifiable information, which relates to your past, present or future health, treatment or payment for health care services.  This section also describes your rights with respect to the Personal Health Information and how you can exercise those rights.

We are required to provide notice of our privacy practices for Personal Health Information to you by the Health Insurance Portability and Accountability Act (“HIPAA”).  For additional information regarding our HIPAA Medical Information Privacy Policy or our general privacy policies, please see the privacy notices contained at our website, MetLife.com/FEDVIP-Dental or www.metlife.com.  You may submit questions to us there or you may write to us directly at MetLife, Americas-U.S. HIPPA Privacy Office PO Box 902, New York, NY 10159-0902 

We are required by law to:

• maintain the privacy of your Personal Health Information;
• provide you notice of our legal duties and privacy practices with respect to your Personal Health Information; and notify affected individuals following a breach of unsecured Personal Health Information and
• follow the terms of our HIPAA privacy practices as explained in this section.

We protect your Personal Health Information from inappropriate use or disclosure. Our employees, and those of companies that help us service your insurance coverage under the MetLife Federal Dental Plan, are required to comply with our requirements that protect the confidentiality of Personal Health Information.  They may look at your Personal Health Information only when there is an appropriate reason to do so, such as to administer our products or services.

We will not sell or disclose your Personal Health Information to any other company for their use in marketing their products to you.  However, as described below, we will use and disclose Personal Health Information about you for business purposes relating to your Dental Insurance coverage. 

The main reason we may use and disclose your Personal Health Information are to evaluate and process any requests for coverage and claims for benefits you may make or in connection with other health-related benefits or services that may be of interest to you.  The following describe these and other uses and disclosures, together with some examples.

We may use and disclose Personal Health Information to pay benefits under the MetLife Federal Dental Plan.  For example, we may review Personal Health Information contained in claims to reimburse providers for services rendered.  We may also disclose Personal Health Information to other insurance carriers to coordinate benefits with respect to a particular claim.  Additionally, we may disclose Personal Health Information to a health plan or an administrator of an employee welfare benefit plan for various payment-related functions, such as eligibility determination, audit and review or to assist you with your inquiries or disputes.

We may also use and disclose Personal Health Information for our insurance operations.  These purposes include evaluating a request for dental insurance products or services, administering those products or services, and processing transactions requested by you.  We may also disclose Personal Health Information to Affiliates, and to business associates outside of the MetLife family of companies, if they need to receive Personal Health Information to provide a service to us and will agree to abide by specific HIPAA rules relating to the protection of Personal Health Information.  Examples of business associates are: billing companies, data processing companies, companies that provide general administrative services, health information organization, e-prescribing gateways or personal health record vendors that provide services to covered entities.  Personal Health Information may be disclosed to reinsurers for underwriting, audit or claim review reasons.  Personal Health Information may also be disclosed as part of a potential merger or acquisition involving our business in order that the parties to the transaction may make an informed business decision.

We may use your Personal Health Information to provide you with information about benefits available to you under your current coverage and, in limited situations, about health-related products or services that may be of interest to you. However, we will not send marketing communications to you in exchange for financial remuneration from a third party without your authorization.

If you or your estate are involved in a lawsuit or a dispute, we may disclose Personal Health Information about you in response to a court or administrative order.  We may also disclose Personal Health Information about you in response to a subpoena, discovery request, or other lawful process. But only if efforts have been made to tell you about the request or to obtain an order protecting the Personal Health Information requested.  We may disclose Personal Health Information to any governmental agency or regulator with whom you have filed a complaint or as part of a regulatory agency examination.

Other uses and disclosures of Personal Health Information not covered by this section and permitted by the laws that apply to us will be made only with your written authorization or that of your legal representative.  If we are authorized to use or disclose Personal Health Information about you, you or your legally authorized representative may revoke that authorization, in writing, at any time, except to the extent that we have taken action relying on the authorization or if the authorization was obtained as a condition of obtaining your dental insurance coverage.  You should understand that we will not be able to take back any disclosures we have already made with authorization.

The following are your various rights as a consumer under HIPAA concerning your Personal Health Information.  Should you have questions about a specific right, please write to us at the location listed in our discussion of that right.

In most cases, you have the right to inspect and obtain a copy of the Personal Health Information that we maintain about you.  To inspect and copy Personal Health Information, you must submit your request in writing to MetLife Dental P.O. Box 14587, Lexington, KY 40512-4587.  If we maintain the requested Personal Health Information electronically, you may ask us to provide you with the Personal Health Information in electronic format if readily producible or if not, in a readable electronic form and format agreed by you and us. To receive a copy of your Personal Health Information, you may be charged a fee for the costs of copying, mailing, electronic media or other supplies associated with your request.  You may also direct us to send the Personal Health Information you have requested to another person designated by you so long as your request is in writing and clearly identifies the designated individual. However, certain types of Personal Health Information will not be made available for inspection and copying.  This includes Personal Health Information collected by us in connection with, or in reasonable anticipation of any claim or legal proceeding. In very limited circumstances, we may deny your request to inspect and obtain a copy of your Personal Health Information.  If we do, you may request that the denial be reviewed.  The review will be conducted by an individual chosen by us who was not involved in the original decision to deny your request.  We will comply with the outcome of that review.

If you believe that your Personal Health Information is incorrect or that an important part of it is missing, you have the right to ask us to amend your Personal Health Information while it is kept by or for us.  You must provide your request and your reason for the request in writing, and submit it to MetLife Dental P.O. Box 14587, Lexington, KY 40512-4587.  We may deny your request if it is not in writing or does not include a reason that supports the request.  In addition, we may deny your request if you ask us to amend Personal Health Information that:

• is accurate and complete;
• was not created by us, unless the person or entity that created the Personal Health Information is no longer available to make the amendment;
• is not part of the Personal Health Information kept by or for us; or
• is not part of the Personal Health Information, which you would be permitted to inspect and copy.

You have the right to request a list of the disclosures we have made of your Personal Health Information.  This list will not include disclosures made for treatment, payment, health care operations, purposes of national security, to law enforcement  to corrections personnel or to your authorization or directly to you.  To request this list, you must submit your request in writing to MetLife Dental P.O. Box 14587, Lexington, KY 40512-4587. Your request must state the time period for which you want to receive a list of disclosures.  You may only request an accounting of disclosures for a period of time less than six years prior to the date of your request. Your request should indicate in what form you want the list (For example, on paper or electronically).  The first list you request within a 12- month period will be free.  We may charge you for responding to any additional requests.  We will notify you of the cost involved and you may choose to withdraw or modify your request at that time before you incur any cost.

You have the right to request a restriction or limitation on Personal Health Information we use or disclose about you for treatment, payment or health care operations, or that we disclose to someone who may be involved in your care or payment for your care, like a family member or friend.  While we will consider your request, we are not required to agree to it.  If we do agree to it, we will comply with your request. To request a restriction, you must make your request in writing to MetLife Dental P.O. Box 14587, Lexington, KY 40512-4587.  In your request, you must tell us (1) what information you want to limit; (2) whether you want to limit our use, disclosure or both; and (3) to whom you want the limits to apply  We will not agree to restrictions on Personal Health Information uses or disclosures that are legally required, or which are necessary to administer our business.

You have the right to request that we communicate with you about Personal Health Information in a certain way or at a certain location if you tell us that communication in another manner may endanger you. For example, you can ask that we only contact you at work or by mail.  To request confidential communications, you must make your request in writing to MetLife Dental P.O. Box 14587, Lexington, KY 40512-4587 and specify how or where you wish to be contacted.  We will accommodate all reasonable requests.

If you believe your privacy rights have been violated, you may file a complaint with us or with the Secretary of the U.S.Department of Health and Human Services.  To file a complaint with us, please contact MetLife, America's-U.S. HIPPA Privacy Office P.O. Box 902, New York, NY 10159-0902  All complaints must be submitted in writing.  You will not be penalized for filing a complaint.  If you have questions as how to file a complaint please contact us at (212) 578-0299 or at HIPPAprivacyAmericasUS@metlife.com

You may have additional rights under other applicable laws.  For additional information regarding our HIPAA Medical Information Privacy Policy or our general privacy policies please e-mail us at HIPAAprivacyAmericasUS@metlife.com or call us at (212) 578-0299, or write to us at MetLife, U.S. HIPAA Privacy Office P.O. Box 902 New York, NY 10159-0902.  

If we determine a service less costly than the one performed by your dentist could have been performed by your dentist, we will pay benefits based upon the less costly services. See Section 3 How You Obtain Care for a definition of alternate benefit.

From January 1, 2023 through December 31, 2023.  Also referred to as the Plan year. 

Orthodontia services.

The Federal employee, annuitant, or TRICARE-eligible individual enrolled in this Plan.

The plan allowance is the maximum amount we will consider for payment for a specific procedure. The actual benefit will be a specified percentage of the plan allowance. When you use a participating (in-network) provider, your out-of-pocket cost is limited to the difference between the plan allowance and our payment. When you use services provided by a provider that does not participate in our network of providers, they are considered out-of-network services.

The Plan Allowance for Out-of-Network services will be will be equal to the In-Network Plan Allowance for the covered service (see page 52 for further details). When you use an Out-of-Network provider, you are responsible for the difference between the Plan Allowance and our payment plus the difference between the amount the provider bills and the Plan Allowance. Out-of-network providers may charge their normal fees which may be greater than the Plan Allowance

The plan allowance may vary by geographic location and/or a participating provider’s contracted fee schedule.

All benefits are subject to the definitions, limitations, and exclusions in this brochure and are payable only when we determine they are necessary for the prevention, diagnosis, care, or treatment of a covered condition and meet generally accepted dental protocols.

Generally, a sponsor means the individual who is eligible for medical or dental benefits under 10 U.S.C. chapter 55 based on their direct affiliation with the uniformed services (including military members of the National Guard and Reserves).

Under circumstances where a sponsor is not an enrollee, a TEI family member may accept responsibility to self-certify as an enrollee and enroll TEI family members

TEI family members include a sponsor’s spouse, unremarried widow, unremarried widower, unmarried child, and certain unmarried persons placed in a sponsor’s legal custody by a court. Children include legally adopted children, stepchildren, and pre- adoptive children. Children and dependent unmarried persons must be under age 21 if they are not a student, under age 23 if they are a full-time student, or incapable of self-support because of a mental or physical incapacity.

The amount of time that you must be enrolled in this plan before you can receive services. NOTE: There are no waiting periods under this plan.

Dental services initiated in 2022 that will be completed in 2023.

0%

10% .

30%

40%

50%

60%

Class A, B, and C Services are subject to an unlimited maximum benefit

Class D Services – orthodontic

$5,000 Child Lifetime Maximum, $3,000 Adult Lifetime Maximum

30%

30%

0%

40%

45%

60%

65%

80%

Class A, B, and C Services are subject to a $1,500 annual maximum benefit for the In-Network benefits and $1,000 for the Out-of-Network benefits

Class D Services – orthodontic

$2,000 Child Lifetime Maximum, $2,000 Adult Lifetime Maximum.

50%

50%