BNY Mellon Benefits Guide
Things to Consider
Here are some things to consider as you make your dental decision:
- Would your family members consistently use primary dentists? If so, consider the Aetna DMO option, which is less expensive because of the restriction to network coverage.
- Do you or your children need braces? If so, consider MetLife Option 2, which provides orthodontia coverage for children, or the Aetna DMO, which covers children and adults.
- How often do you receive dental care? If your usual expenses are lower than the dental plan premiums, you may want to use Health Care FSA pre-tax dollars (see the Flexible Spending Account section) to cover those expenses instead of choosing dental coverage. Even if you have dental coverage, you can still use the Health Care FSA to pay out-of-pocket dental expenses.