Why the PFFA Offers Dental Plan Choices
At the PFFA Healthcare Trust, we know that maintaining dental health is essential for your overall well-being. That’s why we offer two dental plan options through MetLife to suit the diverse needs of our members. Whether you’re looking for basic preventative care or comprehensive coverage for major dental services and orthodontics, our plans help ensure you and your family get the care you need.
With both plans, you’ll benefit from:
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Free preventive care, including cleanings and exams.
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Emergency dental coverage for unexpected issues.
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Support for major dental surgeries and orthodontics when needed.
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Benefits of the PFFA Dental Plan
Firefighters often face unique physical challenges, and maintaining good dental health is crucial for performing at your best. Our MetLife dental plans ensure you get affordable, accessible, and comprehensive dental care:
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Preventive Care
Enjoy free exams and cleanings to keep your teeth healthy and prevent long-term issues.
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Emergency Treatment
Get the coverage you need for urgent dental care.
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Major Dental Services and Surgeries
From fillings to complex procedures, our plans help cover significant dental work.
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Orthodontic Coverage
For both children and adults, orthodontics are included to help manage the cost of braces and other treatments.
Your Dental Plan Options
PFFA offers two dental plan options through MetLife to fit your budget and coverage needs: the Base Plan and the High Plan.
Dental PPO – What’s in it for You?
With MetLife’s Dental PPO, you can expect the following benefits:
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Access to a Large Network: Choose from a wide selection of carefully screened dentists.
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Lower Costs: Save 30-45% on dental care compared to the average costs in your area.
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Simplified Claims Process: Most dentists file claims directly on your behalf, making the process easier for you.
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Pre-Treatment Estimates and 24-Hour Support: Easily access pre-treatment estimates, real-time claims processing, and 24-hour customer service.
Base Plan:
Budget-Friendly: Ideal for those seeking essential dental coverage at a lower monthly cost.
Coverage: Focuses on preventive and basic care, with limited benefits for major procedures. Orthodontic services are not included.
Best For: Individuals or families who primarily need regular check-ups and occasional dental work without high out-of-pocket costs.
High Plan:
Comprehensive Coverage: Offers enhanced benefits with a slightly higher premium, covering a broader range of services.
Coverage: Includes higher percentages for basic and major procedures and provides orthodontic coverage up to a lifetime limit.
Best For: Those who anticipate needing extensive dental work, including orthodontics, or who prefer greater cost savings on major treatments.
Questions to Help You Choose
To select the best dental plan for you and your family, consider the following questions:
If routine care is your primary focus, the Base Plan may be the right fit.
If so, the High Plan provides more comprehensive coverage for braces and surgeries.
The High Plan provides greater coverage for out-of-network care at the 90th percentile of UCR.