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Dental Plan

There are two dental plans to choose from – the Metropolitan Life Plan (MetLife) and the Delta Dental Plan of Tennessee (Delta Dental).  You may elect either plan, but not both. 

The dental plans pay benefits to you and your covered dependents for a wide range of dental services and supplies, including preventive, diagnostic, restorative, prosthodontic and orthodontic care.

Your Dental Plans …

... Encourage Preventive Care

The dental plans promote regular dental care by covering preventive and diagnostic services, such as routine checkups, cleanings and X-rays, at 100% of Reasonable and Customary Charges with no deductible.


... Offer Protection for More Extensive Treatment
Oral surgery, restorative and prosthodontic services are covered after you meet the annual deductible.


... Provide Orthodontic Benefits for Your Children
Coverage for orthodontic treatment is available for your Eligible Dependent Children under age 24.

What happens to your benefits when ...
For more information about what happens to your dental benefits when certain changes or events occur, see “How Changes Affect Your Benefits” in the “About Your Benefits” section.

For more information about coverage you and your Eligible Dependents may be eligible to continue in certain cases when coverage would otherwise end, refer to COBRA within the “Administrative Information” section. 

Some facts to remember about your dental plans ...   

  • Dependents in military service are not eligible for dental coverage.
  • These plans do not cover services outside the United States.
  • Dental coverage may not be converted to individual coverage. 
  • This information is a summary of the dental benefits under the plans.  Should there be a conflict between the summary and the group contract, the group contract will control. 
  • A predetermination of benefits is recommended for costs that are expected to exceed $100.


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Administrative Information
Information about the administration of your dental plans can be found in the section entitled “Administrative Information.”