Choice 1 has lower rates and no deductibles, but you are limited to the dentists available in Cigna's preferred network.
Choice 2 has higher rates and a $50 annual deductible per person up to a maximum of $150 per family per calendar year, but you get to choose any dentist you want. You can save money by choosing an in-network dentist.
Savings from enrolling in the MetLife Preferred Dentist Program will depend on various factors, including how often participants visit the dentist and the costs for services received.
1"What conditions may be linked to oral health?" Mayo Clinic. Web. 3 March 2016.