Citi Benefits Handbook
Covered Services
Preventive and Diagnostic Services
  • Routine oral exams: maximum of two exams per calendar year (additional medically necessary oral exams will be reviewed by MetLife Dental Consultants);
  • Routine cleanings: maximum of two cleanings per calendar year;
  • Fluoride treatments through age 14, maximum of one application per calendar year;
  • Space maintainers through age 18;
  • Full mouth series and panoramic X-rays: once every 60 months;
  • Bitewing X-rays: up to one set of per calendar year (up to eight films per visit) for adults, and two sets per calendar year for children;
  • Sealants: permanent molars only, through age 16; one application every 36 months; and
  • Palliative treatments: emergency treatment only; not paid as a separate benefit from other services on the same day.
Basic Services
  • Fillings (except gold fillings): includes amalgam ("silver") and composite ("white") fillings to restore injured or decayed teeth;
  • Extractions;
  • Endodontic treatment;
  • Oral surgery, unless covered under your medical plan or your HMO;
  • Periodontal surgery: once every 36 months;
  • Repair prosthetics: no limit;
  • Recementing (crowns, inlays, onlays, bridgework, or dentures): no limit;
  • Addition of teeth to existing partial or full denture;
  • Denture relining and rebasing: once every 36 months;
  • Periodontal maintenance treatments, up to four per calendar year; this covers up to two regular cleanings per year paid at 100% and up to four periodontal maintenance visits per year paid at 80%. These services are combined and do not exceed four total per year;
  • Periodontal scaling and root planing: once every 24 months (subject to consultant review);
  • Bruxism appliances; and
  • General anesthesia: when medically necessary, as determined by the Claims Administrator, and administered in connection with a covered service.
Major Services
  • Inlays, onlays, and crowns (including precision attachments for dentures; must be at least five years old and unserviceable): limited to one per tooth every five years;
  • Removable dentures: initial installation and any adjustments made within the first six months;
  • Removable dentures (replacement of an existing removable denture or fixed bridgework with new denture; dentures must be at least five years old and unserviceable): limited to once every five years;
  • Fixed bridgework, including inlays, onlays, and crowns used to secure a bridge: initial installation;
  • Fixed bridgework, including inlays, onlays, and crowns used to secure a bridge (replacement of an existing removable denture or fixed bridgework with new fixed bridgework or addition of teeth to existing fixed bridgework; bridgework must be at least five years old and unserviceable): limited to once every five years; and
  • Dental implants (subject to medical necessity and consultant review): medical necessity, as determined by the Claims Administrator, is based on the number and distribution of all missing, unreplaced teeth in the arch, as well as the overall periodontal condition of the remaining normal teeth.
Oral Cancer Services
Dental coverage may be available for those participants diagnosed with oral cancer.
Orthodontia Services
  • Orthodontic X-rays;
  • Evaluation;
  • Treatment plan and record;
  • Services or supplies to prevent, diagnose, or correct a misalignment of teeth, bite, jaws, or jaw joint relationship;
  • Removable and/or fixed appliance(s) insertion for interreceptive treatment;
  • Temporomandibular joint (TMJ) disorder appliances (for TMJ dysfunction that does not result from an accident); and
  • Harmful habit appliances: includes fixed or removable appliances.