The Trust wants to ensure that members and their eligible dependents have a dental plan that meets their needs. You can select either of the Trust's dental plans if you are a Union-represented State employee with at least one year of continuous service, regardless of where you live or work. Both plans cover a wide range of services, as shown in the Dental Comparison Chart.

Choosing a Dental Plan

Regardless of where you work or live, you may choose either of our plans to cover you and your family:

Choose from any of the Trust's plans, but remember, network availability varies by location and is an important feature of the Preferred Choice plan. Under either plan, you must meet your annual deductible of $25 per person before benefits are paid for restorative, oral surgery, endodontic, periodontic and prosthetic services. Also, each plan will only pay benefits up to the maximum annual benefit per person per plan year. Please carefully check for any new information on dental coverage before deciding.

Call MetLife or visit their website for up-to-date provider information. Please note: generalists who perform specialty services will not be listed under that dental specialty - to find out if a dentist performs a service, please contact that dentist directly.

Before You Decide

The benefits you will continue to cover you unless you choose a different plan during the next open enrollment, unless your coverage ends due to your loss of eligibility.

Review the MetLife provider directory and the Dental Comparison Chart. As the plans' network grows and changes throughout the plan year, you may want to consider not only if your favorite dentist participates, but also how many providers are in your area, as the plan you choose now will cover you for the entire plan year.

After you've weighed your options and selected the plan that will best meet your family's needs, complete an Enrollment and Change form and give it to your Payroll/Personnel officer within 31 days of first becoming eligible or by the open enrollment deadline (if enrolling during Trust-sponsored open enrollment).

Pre-Treatment Estimates

Preferred Choice Dental Plan and Quality Dental Plan

Pre-treatment estimates are recommended for services over $300 (e.g., crown, bridge, inlay, periodontal treatment). A pretreatment estimate outlines the treatment plan and related charges but does not take into account whether you have satisfied your deductible (annually $25 per person) or how much of the annual maximum your care has used (plan year to date); it is your responsibility to track the deductible and annual maximum. The estimate lets you know in advance what the plan considers to be the reasonable and customary (R&C) charges, giving you an idea as to the portion of your cost that will be your responsibility. Use the Dental Expense Claim Form to file a pre-treatment estimate.

How to Use Your Benefits

Preferred Choice

Quality Dental

Updated January 2009