Citi Benefits Handbook
The Citigroup Dental Benefit Plan (the "Dental Plan" or the "Plan") offers two dental options to provide dental care for you and your eligible dependents (including your spouse/partner). They are the:
- MetLife Preferred Dentist Program (MetLife PDP); and
- Cigna Dental HMO (dental health maintenance organization).
You can enroll in Citi dental coverage even if you do not enroll in Citi medical coverage. You can enroll in any of the following four coverage categories: Employee Only, Employee Plus Spouse/Partner, Employee Plus Children or Employee Plus Family. See "Coverage Categories" in the Eligibility and Participation section.
The MetLife PDP allows you to visit any dentist. However, when you visit an in-network dentist, you will pay a discounted fee. The Cigna Dental HMO generally requires you to use a Cigna Dental HMO provider (whom you select or who is selected for you) to receive a benefit under the Dental Plan. See Your Personal Enrollment Worksheet on Your Benefits Resources™ for the cost of the options available to you.
For more information on the dental coverage available, see the MetLife PDP fact sheet and the Cigna Dental HMO fact sheet.
The MetLife PDP costs you more per paycheck than the Cigna Dental HMO. However, the MetLife PDP gives you the flexibility to see any dentist you choose. When you visit an in-network dentist, you will pay a discounted fee. While the Cigna Dental HMO costs less than the MetLife PDP, you must use a Cigna Dental HMO provider (whom you select or who is selected for you) to receive a benefit under the Dental Plan, except in very limited circumstances. See "MetLife Preferred Dentist Program (MetLife PDP)" and "Cigna Dental HMO" for more information and plan details.
The Health Care Spending Account (HCSA) and the Limited Purpose Health Care Spending Account (LPSA) can save you money on your out-of-pocket dental expenses. Because you forfeit any money remaining in the spending account that you do not use by year end, estimate conservatively.
If you choose medical coverage under the High Deductible Health Plan (HDHP) and establish a Health Savings Account (HSA), you may pay for eligible dental expenses with funds from your HSA.