Dental Plan Highlights

My Health

My Health is your central online resource for the JPMorgan Chase Benefits plans. From My Health, you can easily connect to the dental option websites to find in-network provider directories, check claims status, and much more.

Your Choices

The Dental Plan offers most eligible participants two to three options to choose from, depending on your ZIP code. One option, the PDP Option, is available in all locations. The other option, an HMO-like option, will offer most participants either the DMO and/or the DHMO, depending on your home ZIP code.

Preferred Dentist Program (PDP) Option

The PDP Option, administered by MetLife, lets you choose between receiving in-network or out-of-network care each time you need dental work. You will generally pay less for your care when you use a MetLife in-network dental provider for two reasons:

In-network care is generally covered at a higher percentage with lower annual deductibles than out-of-network care; and

In-network dentists have agreed to charge lower, negotiated fees for their services when treating JPMorgan Chase Dental Plan participants.

Dental Maintenance Organization (DMO) or
the Dental Health Maintenance Organization (DHMO) Option
(depending on your home ZIP code)

The DMO Option, administered by Aetna Inc., and the DHMO Option, administered by Cigna, offer you a broad range of dental services on a pre-paid basis. You will be able to choose one or the other of these options, depending on your home ZIP code. In some ZIP codes, both the DMO and the DHMO will be offered. If you enroll, you agree to receive care solely from dentists associated with the network for your option, and in return, you will have no deductibles to meet and no claim forms to file. The DMO and DHMO administrators actively work to keep dental care costs low by requiring DMO and DHMO dentists to meet strict quality standards, screening for cost-effective practice patterns, and negotiating fees charged for services.

Your Coverage Levels

If you elect coverage, you can choose to cover:

Yourself only;

Yourself and your spouse/domestic partner; or yourself and your child(ren); or

Your family (yourself, your spouse/domestic partner, and your children).

Disabled Dependents Over Age 26

If you are not enrolled in one of the Medical plans but want to continue coverage for your dependent child over age 26 for the Dental and/or Vision plan, please contact your Medical plan carrier (Aetna or Cigna) to see if they qualify for continued coverage under these plans.

Covered Services

Depending on the option you choose, covered services can include some or all of the following:

Preventive care services, such as oral exams, fluoride treatment, prophylaxis, X-rays (excluding intra-oral X-rays), sealants and emergency palliative treatment.

Basic restorative care services, such as fillings, extractions, oral surgery, anesthesia and antibiotic injections.

Major restorative care services, such as services to replace lost teeth, and inlays, onlays, and crowns, and their repair or recementing.

Orthodontia services.