Dental
BGDC offers two dental plans through MetLife. With their PPO plans, benefits provided are a variety of covered services/procedures that allows you the flexibility to choose any licensed provider, in or out of network. Our plan is using their PDP Plus network. The list of covered and excluded services is the same on both dental plans.
Many people think they do not need dental coverage because their teeth are fine. However, if you want to keep your teeth healthy, getting regular check-ups is the way to go. The BGDC dental plans through MetLife provide coverage options for four main types of expenses:
- Preventative and Diagnostic: Routine exams and cleanings, fluoride treatments, sealants, and x-rays.
- Basic: fillings and extractions
- Major: treatment such as crowns and dentures
- Orthodontia (Enhanced Plan only)
All plans allow you to:
- Save on out-of-pocket expenses when you visit an in-network dental office
- Visit any dentist of your choice โ select a different dentist for each member of your family
- Go to dental specialist of your choice
The plans provide the maximum benefit when you visit an in-network dentist. MetLife provides an extensive provider network with flexibility to see any dentist, in or out-of-network. Once your coverage becomes effective you can log in to metlife.com/mybenefits to view detailed information.
If a plan member was receiving orthodontic services in 2025 before starting benefits with BGDC, and plans to be covered on the Enhanced Plan, please do not assume that they will automatically get a new $2,000 in orthodontic benefits. MetLife will confirm what has already been paid by previous dental coverage and they will subtract this from the Lifetime Maximum under the MetLife plan for that member. If you have questions on this that will change your election between the Standard and Enhanced plans, please reach out to HR and we will assist as best we can.
Dental Comparison
| MetLife Standard Dental Plan |
MetLife Enhanced Dental Plan |
|||
|---|---|---|---|---|
| In and Out-of-Network Benefits* | In and Out-of-Network Benefits* | |||
| Annual Deductible | ||||
| Individual | $50 | $50 | ||
| Family | $150 | $150 | ||
| Annual Maximum | ||||
| Annual Max Per Person | $1,500 | $2,000 | ||
| Services | ||||
| Preventive | Covered in full, deductible waived | Covered in full, deductible waived | ||
| Basic | 20% after deductible | 20% after deductible | ||
| Major | 50% after deductible | 50% after deductible | ||
| Orthodontia (adults and children up to age 26) | ||||
| Benefit Percentage | Not covered | 50% up to $2,000 Lifetime Max | ||
