We offer two versions of MetLife Dental: HMO and PPO. The HMO plan has a lower monthly premium with set copays for covered services and a limited network of dentists, it’s ideal for families on a budget. The PPO plan has a larger network of covered dentists, but costs more per month. It makes up for it by having a generous coinsurance model that covers a percentage of covered services until you reach the max payout. There are other small differences, but the plan that’s better for you really depends on how often you go to the dentist, if you have a specific dentist you want to keep seeing, what services your family needs, and your budget.
Overall, when choosing between the plans we suggest you look at both the Rate Sheet and the different plan pages (linked below) so that way you can get a good understanding of what changes between each plan. If you have any additional questions about the plans, email support@SDPEBA.org or call us at 888-315-8027. You can also book a meeting by clicking HERE.
About Us
The San Diego Public Employee Benefit Association is a partnership of unions and associations designed to help reduce costs, improve benefits, and enhance support for San Diego’s public employees. We’re here to answer your questions and help make sure you get the most out of your benefits while also advocating for you directly to the provider to make sure you get the best experience possible.