0000004371 00000 n 0000037343 00000 n The MetLife dental network includes thousands of providers, so finding the right dentist is easy. ET M - F. 2023 MetLife Services and Solutions, LLC. If your selected participating dentist determines that you need specialty care, you have access to a network of specialty care providers. 0000008715 00000 n This means that if you have a bad history of dental problems that it will not count against you. They don't actually offer dental insurance plans but instead act as an insurance marketplace. Try searching, or visit one of the sections below. 0000022790 00000 n Dental insurance for seniors can offset the insurance gap. Remember that you cannot make changes to your health insurance policy any time of the year. 3 Your out-of-pocket costs may be greater when you visit a dentist who does not participate in the MetLife network. Plan benefits and rates are effective for group plan year January 1, 2023 through December 31, 2024, and subject to change thereafter. The discounts are substantial and can allow you to save between 10 and 60% of your services depending on the services. 0000011048 00000 n #5 Aetna. This fact sheet merely describes the coverage and is not a contract of insurance. Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Humana Dental savings plans start at $8.99 per month with some states requiring a $15 one-time enrollment fee. Ida;.p^F.Yy Y#!vY[hj]ty?/,s8[Az!>63FI}$|nCi9*wd.@G As always, its important to do your own research to find out which, As with any major life decision, you should take plenty of care when planning to make changes to your current, . 0000005591 00000 n as limited in scope, they still serve a positive purpose. A Dental Health Maintenance Organization (HMO) or Managed Care, covers in-network providers only, and you must choose a primary care dentist for all services. can be a lifesaver if you find yourself out of work due to any potential life-changing injury or illness. Fees in your area may be different. Take stock of your health needs and medical treatments over the last year to estimate the services you'll need in 2015. The yearly cost starts at $99 for the cheapest of three plans. Higher carryover amounts require a higher monthly plan cost. Delta Dental also offers PPO-type plans (Preferred Provider Organization). Contact Cigna Dental. Please remember to hold on to all receipts to submit a dental claim. Besides, the benefits far outweigh any adjustment in price! The main reason to choose Careington is for its low fees. Use our free dental insurance comparison tool to find the MetLife options offered in your region. Out of Network In Network Out of Network Calendar Year Maximum Per Member . You can ask for a pretreatment estimate. Humana's Bright Plus plan. %%EOF features certain changes and additions to allowable coverage for a slightly higher premium. This program utilizes the MetLife PDP Plus Network of participating dentists. Savings from enrolling in the MetLife Dental Plan will depend on various factors, including how often participants visit the dentist and the costs for services rendered. You may have seen recent news coverage of customers of financial services companies falling victim to social engineering scams. The MetLife Discount Dental Program IS NOT INSURANCE and is not intended to replace health insurance. If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based, you will be responsible for any additional payment responsibility. Marketplace, are divided into four different categories, named for. Discounts are available for other medical expenses like vision, prescriptions and hearing care. But coverage isnt available in every state. MetLife has a variety of dental plan options available across the United States. Of course, you cant plan for unexpected events like root canals or crowns. 0000003722 00000 n 2023 MetLife Services and Solutions, LLC. Its important to find something that offers the benefits that make the most sense for you and your budget, including:: Do I Need to Upgrade My Health Insurance During the Open Enrollment Period? 0000000016 00000 n There are only around 62,000 dentists in the network but their discounts are usually around 50% on preventative care with smaller discounts on major procedures. Aetna offers individual and group PPO dental plans in most states. Another way to reduce medical bills is with Aetna dental discount programs in 47 states (sorry Montana, Tennessee and Vermont residents). T9]43g c.111M and 956 CMR 5.00. Please contact MetLife or Member Benefits, your plan administrator at 1-800-282-8626 for costs and complete details. You can make monthly payments by monthly bank draft (ACH) or pay for the entire year via credit card payment. Dental savings plans are not dental insurance. Office visit co-payment may apply. 47 0 obj <> endobj 0000012847 00000 n , and the premiums are priced according to their tiers: Bronze: Least expensive, highest deductible (Insurance pays 60 percent, you pay 40 percent), Silver: Insurance pays 70 percent, you pay 30 percent, Gold: Insurance pays 80 percent, you pay 20 percent, Platinum: Most expensive, lowest deductible (Insurance pays 90 percent, you pay 10 percent), While the tier types may make it seem as if certain plans offer better, over others, the designations are actually related more to what you pay vs. what your insurer pays. MetLife gives you the information necessary to feel confident in your choices. Buy-up medical plans are less restrictive, and allow you to extend your options. There isnt an annual or lifetime maximum. We suggest you discuss treatment options with your dentist before services are rendered, and obtain a pre-treatment estimate of benefits prior to receiving certain high cost services such as crowns, bridges or dentures. PPO plans provide benefits for a broad range of covered services/procedures, giving you the flexibility to choose any licensed dentist, in or out of network.3. However, you do not need to select a primary care dentist. 0000002319 00000 n Careington is not affiliated with MetLife or its affiliates. Below, weve listed a few of the different types of. If you only go one or two times per year, dental insurance isnt nearly as important. If you have a choice of plans, consider your oral health needs and ability to pay for unexpected major services, like a crown. Get a clear picture of your finances and achieve your goals! They have no wait times or limits. Snapshot: In-network savings up to 45 percent. 0000002000 00000 n If your current dentist does not participate in the network and you would like to encourage him or her to apply, ask your dentist to visit www.metdental.com, or call 1-866-PDP-NTWK for an application. Humana Dental is a top dental insurance provider that has plans for all 50 states, Puerto Rico and the District of Columbia. Benefits are subject to change upon agreement between Metropolitan Life Insurance Company and the participating organization. 200 Park Avenue. OPM has contracted with dental and vision insurers to offer an array of choices to Federal employees and annuitants. 0000005755 00000 n local anesthesia, non-intravenous conscious sedation or analgesia such as nitrous oxide; Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing or biting of food; Initial installation of a fixed and permanent Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth; Other fixed Denture prosthetic services not described elsewhere in the certificate; Precision attachments, except when the precision attachment is related to implant prosthetics; Addition of teeth to a partial removable Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth; Adjustment of a Denture made within 6 months after installation by the same Dentist who installed it; Implants supported prosthetics to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth; Fixed and removable appliances for correction of harmful habits; Appliances or treatment for bruxism (grinding teeth), including but not limited to occlusal guards and night guards; Diagnosis and treatment of temporomandibular joint (TMJ) disorders. You are responsible for a one-time annual premium for your plan. However, the cost increases if you need major work like crowns or a root canal. The descriptions below may help you identify your dental network. Benefits Through Your Employer (MyBenefits), MetLink - Access your company's benefits data, MyBenefits - Benefits Through Your Employer, MetLife's Online Service - Life, Annuities, Disability, Long-Term Care, Critical Illness, Auto, Home, Total Control Account (eSERVICE), Access the MetLink section of the website, Access the DigitalSolution section of the website, Access the MyBenefits section of the website, Access the Specialized Benefit Resources (SBR) section of the website, Dental Insurance Plans: Healthy Smiles Ahead | MetLife, By signing in, I agree to the Terms of Use, Structured Settlements Broker Resources (SBR). Comprehensive coverage that protects your oral health and your wallet. 0000001288 00000 n Adding long-term disability coverage to your plan will provide as much as two years of coverage, earn you a higher continued salary, and keep you adequately protected. The MetLife 2-9 Dental plan is the most popular offered as they pre-negotiate fees within the network of dentists for over 400 different procedures. Please refer to your schedule of benefits. Dental insurance can also discount the cost of getting braces for children. MetLife offers you a choice of two different plans. 9\>0AM)AM+4}92Y LZ~/w3,8EIP r yAdAK=A:;`qXq +Q1Dte|OsZ=Dk6YCqn j[Xb oOiz6TwH` [ Do you or other family members on your plan frequently see a PCP or Specialist? Out-of-pocket costs may be greater if you visit a dentist who does not participate in the network. Policy form GPNP99 If youve ever questioned what are the best dental insurance plans this article will help clarify them and help make your decision quickly. 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