Dental and Vision
Discover your options.
Your dental and vision benefits give you the support you need to maintain your overall health and well- being.
When You Can Enroll
You can elect dental benefits within 31 days of becoming benefits eligible, during Open Enrollment, or within 31 days of a Qualifying Life Event.
What to Know
- All employees have access to two Delta Dental plans (Standard PPO and Enhanced PPO).
- The Enhanced PPO Plan provides you with additional benefits such as a higher calendar year maximum, adult orthodontia, a lower deductible, and higher coinsurance for certain services with Delta PPO dentists.
- If you are in Southern California, you also have the ability to select a DHMO through MetLife. With this plan:
- You must select a participating dentist to provide or coordinate all of your dental care.
- You can only receive services from dental providers who are contracted with the plan.
Your Dental Plan Options
| DHMO (MetLife) (Southern CA employees only) |
Standard PPO (Delta Dental) | Enhanced PPO (Delta Dental) | |||
|---|---|---|---|---|---|
| Delta PPO Provider | Delta PPO Provider | Delta Premier and Non-Delta Providers* | Delta PPO Provider | Delta Premier and Non-Delta Providers* | |
| Individual Deductible | None | None | $60 | $25 | $60 |
| Calendar Year Maximum Per Person | None | None | $2,000 | $2,200 | $1,700 |
| Copays/Coinsurance | |||||
| Preventive/Diagnostics | No copay | 100%, no deductible | 100%, no deductible | 100%, no deductible | 100%, no deductible |
| General Services (such as fillings, root canals, and sealants) |
No copay | 80% after deductible | 55–90% after deductible, depending on service | 80% after deductible | 60% after deductible |
| Major Services (crowns, dentures, implants, and extractions) |
Copays vary by services | 80% after deductible | 50% after deductible | 50% after deductible | 60% after deductible |
| Orthodontia | $1,450 for comprehensive orthodontic treatment (adults and children over age 14) | 50% after deductible; up to $1,000 lifetime maximum (children under age 19) | 50% after deductible; up to $2,000 lifetime maximum (children under age 19) | ||
* Out-of-network providers may bill members for the difference between the provider’s full charges and the amount paid by the plan.
| Employee Only | Employee + Child(ren) | Employee + Spouse | Employee + Family | |
|---|---|---|---|---|
| Delta Dental PPO (Standard) (All locations) |
$13 | $28 | $32 | $51 |
| Delta Dental PPO (Enhanced) (All locations) |
$17 | $36 | $41 | $65 |
| MetLife DHMO (Southern CA only) |
$2 | $4 | $5 | $10 |
Dental Plan Provider: Delta Dental
Delta Dental is one of Caltech’s dental plan providers. Set up an account to view coverage details, check claim status, print ID cards, and find in-network dentists.
Website: deltadentalins.com/caltech
Download the mobile app:
Phone: (800) 765-6003 (M-F, 6 a.m.-6 p.m. PT)
Dental Plan Provider: MetLife
MetLife is one of Caltech’s dental plan providers. Set up an account to view coverage details, check claim status, print ID cards, and find in-network dentists.
Website: metlife.com/info/caltech
Download the mobile app:
Phone: (800) 880-1800 (M-F, 6 a.m.- 8 p.m. PT)
When You Can Enroll
You can elect vision benefits within 31 days of becoming benefits eligible, during Open Enrollment, or within 31 days of a Qualifying Life Event.
What to Know
- Coverage includes eye exams, glasses, contact lenses, and other discounts.
- You can use VSP or non-VSP providers, but you’ll receive greater coverage and lower costs with VSP providers.
Your Vision Plan
| Service | Cost – VSP Providers | Cost – Non-VSP Providers |
|---|---|---|
| Routine Eye Exam Once every calendar year |
$5 copay | $5 copay then the plan pays up to $45 |
| Frames Once every other year |
Plan pays up to: $175 for retail frames $195 for feature frame brand $175 for Walmart/Sam’s Club $95 for Costco equivalent 20% discount on any amount over the allowance |
Plan pays up to $70 |
| Lenses Once every calendar year |
Included in eye exam copay
Single vision, lined bifocal, and lined trifocal are covered in full. |
Plan pays up to: $30 for single vision $50 for lined bifocal $60 for lined trifocal |
| Contact Lenses (Once every calendar year, in lieu of glasses and frame) |
Up to $60 copay for contact lens exam (fitting and evaluation) Necessary contacts covered in full. Elective contacts up to $150 plan allowance. |
Plan pays up to $105 |
| Laser Vision Correction | Discounts through VSP | Not covered |
| Employee Only | Employee + Child(ren) | Employee + Spouse | Employee + Family | |
|---|---|---|---|---|
| VSP (All locations) |
$2.36 | $3.54 | $3.52 | $6.90 |
*Please note: Premium cost sharing for Caltech for medical, dental, and vision plans is limited to individuals either receiving a monthly compensation of $1,000 paid by Caltech or having designated external funding as a Caltech allowance for this purpose. This usually applies to postdoctoral scholars and visiting associates.
Vision Plan Provider: VSP
VSP is Caltech’s vision plan provider. Set up an account to view your benefit information, access your claims history, view and print ID cards, find a VSP network doctor, and see exclusive member extras.
Website: caltech.vspforme.com/
Download the mobile app:
Phone: (800) 877-7195 (M-F, 6 a.m.-8 p.m. PT)
Plan Summaries and Resources
For full details, please review the plan documents.
Dental
2026 MetLife DHMO Dental Plan
MetLife Schedule of Benefits
MetLife Combine Evidence of Coverage and Disclosure Statement
Delta Dental Plan Summary (English)
Delta Dental Plan Summary (Spanish)
Delta Dental PPO Standard and Enhanced Benefit Booklet
Vision
VSP Plan Summary (English)
VSP Plan Summary (Spanish)
VSP Evidence of Coverage and Disclosure Form