Dental benefits are provided through MetLife, so you can seek treatment from the dentist of your choice. Two options are available — a Low Plan and a High Plan. To keep your out-of-pocket costs down, use an in-network MetLife PPO dentist; choosing a PPO dentist also removes the risk of balance billing.
Dental
What you pay per paycheck.
Premium rates are specific to your group, so they live behind a secure member login rather than on this public page. The plan design, deductibles, and coverage shown here are the same for every group.
- Active and retiree per-paycheck premiums for the Low and High plans
- Rates specific to your group
Not a member yet? A prospective municipality can request a custom quote from the Contact page.
Compare the Low and High plans.
In-network amounts apply when you use a MetLife PPO dentist. Out-of-network care is still covered, but you may be balance-billed.
| Benefit | Low — In Network | Low — Out of Network | High — In Network | High — Out of Network |
|---|---|---|---|---|
| Annual Deductible — Individual | $0 | $25 | $0 | $25 |
| Annual Deductible — Family | $0 | $75 | $0 | $75 |
| Annual Benefit Maximum | $1,000 | $1,000 | $1,500 | $1,500 |
| Preventive / Diagnostic | 100% | 100% | 100% | 80% |
| Basic Services Palliative treatment, brush biopsy, space maintainers, sealants, fillings, crown repair, relines/repairs to prosthetic appliances | 80% | 80% | 80% | 80% |
| Endodontic / Periodontic / Oral Surgery Root canals, extractions, dental surgery, TMD treatment | 80% | 80% | 80% | 80% |
| Major Services Crowns, bridges, implants, dentures | 50% | 50% | 50% | 50% |
| Orthodontia — Braces | Not covered | Not covered | 50% | 50% |
| Lifetime Orthodontia Maximum | — | — | $1,900 | $1,900 |
| Orthodontic Age Limit | None | None | None | None |
Plan documents
Starting January 1, 2027, dental benefits move from MetLife to Delta Dental of Indiana. The Low and High plans keep the same coverage levels, deductibles, and annual maximums. In 2027, use a Delta Dental PPO or Premier dentist to keep costs down; network dentists cannot balance-bill you. Find one at deltadentalin.com/findadentist. If your child is already in braces, see How orthodontic payments work below. Questions: 800-524-0149 or DeltaDentalin.com.
- 2026 Dental Benefit Summary (MetLife)
- 2027 Dental Benefit Summary — High Plan (Delta Dental) Coverage effective January 1, 2027
- 2027 Dental Benefit Summary — Low Plan (Delta Dental) Coverage effective January 1, 2027
- 2027 open enrollment guide (Delta Dental)
- Find a participating dentist (Delta Dental)
- Seeing an out-of-network dentist (Delta Dental)
- How orthodontic payments work (Delta Dental)
- Getting a pre-treatment estimate (Delta Dental)
- How benefits are coordinated with a second plan (Delta Dental)
- Customer service reference card (Delta Dental)
- Using the Member Portal (Delta Dental)