Citi Benefits Handbook
Dental Options at a Glance
Which Dental Plan Is Right for You?
View this short benefits video to help you choose the right plan for you and your family during annual enrollment or as a new hire.
 
MetLife Preferred Dentist Program (PDP)1
Cigna Dental HMO2
Annual deductible
   
  • Individual
$50
None
  • Family maximum
$150
None
Preventive and diagnostic services
100% paid, no deductible to meet
Most services are paid at 100% when you use your network dentist
Basic services such as fillings, amalgams ("silver") and composite ("white") filings, root canals, periodontal services, extractions, and oral surgery
80% after deductible
Copayment when you use your network dentist. See "Patient Charge Schedule" for more information.
Major restorative services such as crowns, inlays/onlays, bridges, and dentures
50% after deductible
Copayment when you use your network dentist. See "Patient Charge Schedule" for more information.
Orthodontia
50% after deductible
Copayment when you use your network dentist. See "Patient Charge Schedule" for more information.
Lifetime orthodontia limit for children and adults
$3,000 per person
Coverage limited to 24 months of treatment
TMJ (temporomandibular joint) treatment excluding surgery
50% after deductible if not the result of an accident (covered under orthodontia)
100% paid for oral evaluation; copayment for other related services when you use your network dentist
Implants
Subject to "dental necessity"
Copayment when you use your network dentist. Limit of one implant per calendar year; with one replacement per 10 years
Annual maximum
$3,000 per person
None
1 MetLife PDP providers charge negotiated fees for services. For services other than those for preventive care, you must meet the annual deductible before the Plan will pay a percentage of eligible costs. Benefit amounts for out-of-network dentists are based on maximum allowed amount for your geographic area.
2 You can obtain a schedule of charges and a list of providers by calling Cigna Dental HMO at 1 (800) CIGNA24 (1 (800) 244-6224). Once enrolled, you can obtain a schedule of charges at www.myCigna.com. You can also view the Cigna Patient Charge Schedule at citibenefitsonline.com/SiteCollectionDocuments/CignaDentalPatientChargeSchedule.pdf.