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Last updated date: 6/26/2024


AXA XL offers two dental plan options through MetLife: the Basic Plan and the Premium Plan. Both plans use the MetLife PDP Plus network of providers. Remember, the amount you pay for services depends on the type of provider you use. Visit https://online.metlife.com to locate in-network providers.

Use your FSA to pay for dental expenses

If you have a Health Care FSA or a Limited Purpose FSA, you can use them to help you cover your out-of-pocket dental expenses like orthodontia, bridges, crowns, fillings and more! Keep in mind, cosmetic dental procedures, such as dental veneers, bonding and teeth whitening aren’t eligible expenses.

If you receive dental care and want to use your Inspira Financial debit card, wait until your insurance provider pays their portion and sends you an Explanation of Benefits (EOB) showing the amount you owe. Then use your card to make the payment.

For more information about the FSAs, review the Savings and Spending Accounts section.

Dental coverage at a glance

Coverage Basic Plan Premium Plan
Annual Deductible (Single/Family) $50/$150 $50/$150
Preventive You pay 0% (no deductible) You Pay 0% (no deductible)
Basic You pay 20% You pay 20%
Major You pay 40% You pay 40%
Orthodontia (including adults) Not covered You pay 50%
Annual Maximum (excluding orthodontics) Plan pays $1,000 per individual Plan pays $2,000 per individual

Important Note: Reimbursements for out-of-network dental providers are based on MetLife PDP Plus network allowances. Changes to in-network allowances may result in changes to out-of-network allowances.