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The Dental Plan

Effective 1/1/22
The Dental Plan is designed to provide you and your family with access to high quality, cost-effective dental care. The Plan offers you and your enrolled dependents coverage for a wide range of preventive care, basic and major restorative care, and orthodontia dental services, depending on the option you choose.
This section of the Guide will provide you with a better understanding of how your Dental Plan coverage works, including how and when benefits are paid.
Be sure to see important additional information about the Plan, in the sections titled About This Guide, What Happens If… and Plan Administration.
Important Note: The DMO and DHMO are fully insured dental options for which the benefit payments are the responsibility of the insurance carrier (Aetna for the DMO and Cigna for the DHMO). In the event that there is a discrepancy between the information provided in this Guide and the Plan contracts issued by the carrier (Aetna and Cigna), the Plan contracts will govern.
For questions or concerns regarding this Dental Plan, contact the claims administrator for the dental option you chose:
  • MetLife Preferred Dentist Program (PDP) Option: MetLife Dental at (888) 673-9582
  • Aetna, Inc. Dental Maintenance Organization (DMO) Option: Aetna at (800) 843-3661
  • Cigna Dental Health Maintenance Organization (DHMO) Option: Cigna Dental Health at (800) 790-3086
For additional resources, consult the Contacts section.
The JPMorgan Chase U.S. Benefits Program is available to most employees on a U.S. payroll who are regularly scheduled to work 20 hours or more a week and who are employed by JPMorgan Chase & Co. or one of its subsidiaries to the extent that such subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. This information does not include all of the details contained in the applicable insurance contracts, plan documents and trust agreements. If there is any discrepancy between this information and the governing documents, the governing documents will control. JPMorgan Chase & Co. expressly reserves the right to amend, modify, reduce, change, or terminate its benefits and plans at any time. The JPMorgan Chase U.S. Benefits Program does not create a contract or guarantee of employment between JPMorgan Chase and any individual. JPMorgan Chase or you may terminate the employment relationship at any time.