Predictika · federal dental plan quotes

An AI sales agent's federal dental quote, checked before it goes out

An AI sales agent prepares a quote for a federal employee or retiree choosing the MetLife Federal Dental plan, with the premium per pay period and what the plan would pay on planned dental care. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the public 2026 FEDVIP brochure and premium table and returns a verdict, every reason and the premium it computed.

Scope: MetLife Federal Dental quotes: eligibility, enrollment type and family members, the published premium, and annual, orthodontic and frequency limits on planned care. See everything this validator covers

This validator models quotes for the MetLife Federal Dental plan, not just the scenarios shown below.

  • Eligibility and enrollment — the enrollee must be in an eligible category and not already in another FEDVIP dental plan; Self Only, Self Plus One and Self and Family each allow a set number of family members; an unmarried child must be under 22, and an older disabled child goes to a person for approval.
  • Premium — the published Standard or High option premium for the rating region (0 to 5), enrollment type and biweekly or monthly pay, compared with the premium the quote states.
  • Planned care — the $2,000 annual maximum of the Standard option, the orthodontic lifetime maximum of each option, and the frequency limits on cleanings, full-mouth X-rays, replacement fillings and occlusal guards.

Any quote for this plan is in scope — not only the scenarios pictured here. Not covered: other FEDVIP dental carriers, individual dentist fees, and benefit details outside the public brochure and premium table, which a MetLife representative should confirm.

The AI sales agentBuilds the dental plan quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Premium that depends on option, region, enrollment type and pay frequencyOnly with care
A lookup table keyed on four fields; it works, but every yearly rate change means editing the table.		The published premium is computed on every call and compared with the stated one, to the cent.
Family members that must fit the enrollment type, with a child age limitOnly with care
A rule per enrollment type, each counting family members and checking ages.		Enrollment type, family members and child ages are checked together whatever order they arrive in.
Annual and lifetime maxima across planned careOnly with workarounds
Running totals of what the plan pays have to be carried across services and compared with limits that differ by option and network.		The planned care is totalled and checked against the limits of the chosen option on every call.
Frequency limits (cleanings, X-rays, fillings, guards)Only with care
One date or count rule per service.		All frequency limits are checked in the same call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The enrollee is not in an eligible category; the plan is for federal and Postal Service employees, annuitants, survivor annuitants, compensationers and TRICARE-eligible individuals.
2The enrollee is already enrolled in another FEDVIP dental plan; a person cannot be enrolled in two FEDVIP dental plans.
3Rating region 6 is not one of the rating regions of the plan (0 to 5).
4Rating region -1 is not one of the rating regions of the plan (0 to 5).
5Self Only covers the enrollee alone, but the request lists 1 family member(s).
6Self Plus One covers the enrollee and one eligible family member, but the request lists 0 family member(s).
7Self Plus One covers the enrollee and one eligible family member, but the request lists 2 family member(s).
8Self and Family needs at least one eligible family member, but the request lists none.
9An unmarried dependent child must be under 22, but the oldest child is 22.
10The brochure covers a disabled child aged 22 or over only under certain circumstances; a person should confirm the 25-year-old child with the plan.
11The request states a premium of $18.82, but the published rate for this option, region and enrollment type is $18.81.
12The request states a premium of $18.81, but the published rate for this option, region and enrollment type is $21.78.
13The request states a premium of $10.89, but the published rate for this option, region and enrollment type is $18.81.
14The planned services would bring the payments of the plan this year to $2,350.00, above the $2,000 annual maximum of the Standard option.
15The planned services would bring the payments of the plan this year to $2,440.00, above the $2,000 annual maximum of the Standard option.
16Orthodontic payments would reach $1,501.00, above the orthodontic lifetime maximum of $1500 for this option.
17Orthodontic payments would reach $3,501.00, above the orthodontic lifetime maximum of $3500 for this option.
18Orthodontic payments would reach $3,010.00, above the orthodontic lifetime maximum of $3000 for this option.
193 cleanings are planned in 12 months, above the 2 the plan covers (a third is covered only on the High option with a pregnancy or diabetes diagnosis).
204 cleanings are planned in 12 months, above the 3 the plan covers (a third is covered only on the High option with a pregnancy or diabetes diagnosis).
21A full-mouth or panoramic X-ray is covered once every 60 months, and the last was 59 months ago.
22A replacement filling is covered once every 24 months, and the last was 23 months ago.
23An occlusal guard is covered once every 24 months, and the last was 12 months ago.
24The planned services would bring the payments of the plan this year to $3,250.00, above the $2,000 annual maximum of the Standard option.
25Orthodontic payments would reach $2,000.00, above the orthodontic lifetime maximum of $1500 for this option.
264 cleanings are planned in 12 months, above the 2 the plan covers (a third is covered only on the High option with a pregnancy or diabetes diagnosis).
27A full-mouth or panoramic X-ray is covered once every 60 months, and the last was 10 months ago.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Child age: A family quote with a 25-year-old child

    
The agent's request. Please quote the High option, Self and Family enrollment, paid biweekly, in rating region 2, covering a spouse and 2 children (the oldest is 25). The quote states a premium of $59.76. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Dependent child aged 22 or over. An unmarried dependent child must be under 22, but the oldest child is 25.
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2. Child age: The agent marks the child as disabled

    
The agent's request. Please quote the High option, Self and Family enrollment, paid biweekly, in rating region 2, covering a spouse and 2 children (the oldest is 25), where a child is disabled. The quote states a premium of $59.76. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Disabled child aged 22 or over to confirm. The brochure covers a disabled child aged 22 or over only under certain circumstances; a person should confirm the 25-year-old child with the plan.
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  • Quote summary. High option, rating region 2: published premium $59.76 (Biweekly pay periods); plan pays $0.00 on the planned services this year.
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3. Premium: A High family quote with a premium from the wrong region

    
The agent's request. Please quote the High option, Self and Family enrollment, paid monthly, in rating region 4, covering a spouse and 2 children (the oldest is 15). The quote states a premium of $122.24. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated premium differs from the published rate. The request states a premium of $122.24, but the published rate for this option, region and enrollment type is $154.16.
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4. Premium: The agent resubmits after fixing the errors

    
The agent's request. Please quote the High option, Self and Family enrollment, paid monthly, in rating region 4, covering a spouse and 2 children (the oldest is 15). The quote states a premium of $154.16. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. High option, rating region 4: published premium $154.16 (Monthly pay periods); plan pays $0.00 on the planned services this year.
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5. Planned care: A Standard quote with planned care over the limits

    
The agent's request. Please quote the Standard option, Self Plus One enrollment, paid biweekly, in rating region 3, covering 1 child (the oldest is 10). Planned care this year has allowed charges of $6,000.00. The quote states a premium of $25.14. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Standard annual maximum exceeded. The planned services would bring the payments of the plan this year to $2,350.00, above the $2,000 annual maximum of the Standard option.
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  • Orthodontic lifetime maximum exceeded. Orthodontic payments would reach $1,501.00, above the orthodontic lifetime maximum of $1500 for this option.
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  • Too many cleanings in 12 months. 3 cleanings are planned in 12 months, above the 2 the plan covers (a third is covered only on the High option with a pregnancy or diabetes diagnosis).
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6. Planned care: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Standard option, Self Plus One enrollment, paid biweekly, in rating region 3, covering 1 child (the oldest is 10). Planned care this year has allowed charges of $5,000.00. The quote states a premium of $25.14. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Standard option, rating region 3: published premium $25.14 (Biweekly pay periods); plan pays $1,750.00 on the planned services this year.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a quote for a federal employee or retiree choosing the MetLife Federal Dental plan, with the premium per pay period and what the plan would pay on planned dental care. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the public 2026 FEDVIP brochure and premium table and returns a verdict, every reason and the premium it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote the Standard option, Self Plus One enrollment, paid biweekly, in rating region 3, covering 1 child (the oldest is 10). Planned care this year has allowed charges of $6,000.00. The rest of the request is on screen. The quote states a premium of $25.14.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with three findings, all in one answer. The planned services would bring the payments of the plan this year to $2,350.00, above the $2,000 annual maximum of the Standard option. Orthodontic payments would reach $1,501.00, above the orthodontic lifetime maximum of $1500 for this option. 3 cleanings are planned in 12 months, above the 2 the plan covers (a third is covered only on the High option with a pregnancy or diabetes diagnosis).
    6. 
      
  6. The validator returned three blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
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  7. What this shows: for annual and lifetime maxima across planned care, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the allowed charges for planned care to $5,000.00, the orthodontic total to $3,000.00 and the cleanings planned to 2.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All three earlier findings are cleared.
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  13. Three problems caught in one call, fixed in one pass, and a clean $25.14 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    14.