Choice 1 has a lower monthly rate and no deductibles, but you are limited to the dentists available in Cigna's preferred network. You cannot go out of network.
Choice 2 has a higher monthly rate 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 dentist2. There is a $1,500 annual maximum per person.
Based on internal analysis by MetLife, savings from enrolling in a dental plan 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.
2 Your out-of-network cost may be greater when you visit a dentist who does not participate in the MetLife Network.
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