Comparing Your Options for Group Dental Benefits

The information in this chart provides a general overview of each plan option available to help you make a more informed benefit decision. Please refer to your enrollment materials for complete details on each plan.
PLAN FEATURES CHOICE OF DENTISTS METLIFE PREFERRED DENTIST PROGRAM: DPPO
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SAFEGUARD DHMO

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Flexibility to choose any dentist in-network or out-ofnetwork and still receive benefits. Out-of-pocket expenses may be higher when using an out-of-network dentist.

This plan requires you to pre-select a dentist who participates in the network in order to receive benefits. Each enrolled family member may select a different participating dentist, and has the ability to change dentists up to one time each month. Please refer to the top of the Schedule of Benefits to find out if you have a Direct Referral plan or a Self Referral plan: Direct Referral Plan–Your selected participating dentist will provide you with the name of a network specialist. Just call that specialist to schedule your appointment. No pre3 authorization is required. Any co-payment for services is listed on your plan’s Schedule of Benefits. This co-payment applies whether the services are provided by your selected participating dentist or by a participating specialist. Self Referral Plans–If your selected participating dentist determines that you need the services of a specialty care provider, you may call a network specialist directly. You will save 25% off the provider’s usual and customary fee. Because DHMO programs are based on the use of defined networks, general dental care is not accessible while traveling. The only exception is in an emergency situation when you are unable to receive care from your selected participating dentist. Please refer to your plan coverage documents provided in your enrollment booklet for details. This