Dental Care Plans

Plan Provision	MetLife Basic Option PPO Dental Plan3 Pays....	Aetna DMO Plan1 Pays...	MetLife High Option PPO Dental Plan Pays3...
			In Network	Out of Network
Preventive/Diagnostic Services Examinations/Visits X-rays Prophylaxis, cleanings Fluoride treatments	You may use in– or out–of–network providers.   Reimbursement is based on 100% of the in-network charge.	100%   You may use in-network DMO providers only	100%	100%
Basic Services Amalgam (silver) fillings Root canal therapy, anterior teeth Composite fillings, anterior teeth only Stainless steel crowns Uncomplicated extractions	You may use in- or out-of-network providers.   Reimbursement is calculated based on 50% of the in - network charge.	100%   You may use in–network DMO providers only.	80%	70%
Major Services High noble metal and porcelain Inlays High noble metal restorations Crowns Root canal therapy, molar teeth2	Out-of-network providers are not covered.   You will receive up to a 35% discount off average charges from a participating provider.	60%   You may use in- network DMO providers only. Implants are not covered under the Aetna DMO Plan.	60%	50%
Orthodontia	Out-of-network providers are not covered.   You will receive up to a 35% discount off average charges from a participating provider.   Covers children and adults	50%   No lifetime maximum You may use in- network DMO providers only. Covers children and adults	50%     Lifetime maximum benefit of $2,000             Covers children and adults	50%     Lifetime maximum benefit of $1,500               Covers children and adults
Annual Deductible	In-network: None Out-of-network: $50 single $150 family	None	$50 single   $150 family for basic and major services	$50 single   $150 family for basic & major services
Calendar Year Maximum	$2,000 for basic and preventive	None	$2,000 for basic, major and  preventive	$1,500 for basic, major and preventive
Basis of Reimbursement	Maximum allowable charge	Negotiated fee	Negotiated fee	80th percentile of reasonable and customary (R & C)