If youre looking to engage in certain elective procedures, such as weight loss treatment or plastic surgery, youll have to pay out of pocket if you have a base medical plan. Some may also offer coverage for certain basic restorative services like fillings, but you pay more out of pocket. You can request a quote to see which plan type meets your monthly budget and dental needs. Where two or more professionally acceptable dental treatments for a dental condition exist, reimbursement is based on the least costly treatment alternative. 0000006014 00000 n
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Use our free dental insurance comparison tool to find the MetLife options offered in your region. Contact us for any questions or help. Plans start at $8.95 per money per person. MetLifes Preferred Provider Organization (PPO) plans feature the MetLife Preferred Dentist Program, which is designed to save you money on dental services.1 You can choose from thousands of participating general dentists and specialists nationwide. Some base medical plans may come with basic disability coverage, but that coverage is not as comprehensive as a buy-up package will be. Yes. They offer two main dental programs from Blue Cross. Call Customer Serviceat 888-245-2920 Remember that you cannot make changes to your health insurance policy any time of the year. Prices start at around $32 and go to about $124. 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. xref
Policy number 5343606-1-G (Low plan), Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 e(t8 PPO and maximum allowable charge (MAC) plans are available. International dental travel assistance services are administered by AXA Assistance USA, Inc. AXA Assistance is not affiliated with MetLife or any of its affiliates, and the services they provide are separate from the benefits provided by MetLife. Affordable Cigna Dental Insurance Plans. 0000002000 00000 n
Whether you purchased your policy on your own or obtained it through your employer, log in to your personal account. But your comparison may lead to a different choice thats better for your personal needs. The following services that are in progress while coverage is in effect will be paid after the coverage ends, if the applicable installment or the treatment is finished within 31 days after individual termination of coverage: Completion of a prosthetic device, crown or root canal therapy. received at a facility maintained by the Policyholder, labor union, mutual benefit association, or VA hospital; Services covered under other coverage provided by the Policyholder; Services for which the submitted documentation indicates a poor prognosis; The following when charged by the Dentist on a separate basis: infection control such as gloves, masks, and sterilization of supplies; or. is exploring the fine details of whats available to you. Alternate Benefits: Where two or more professionally acceptable dental treatments for a dental condition exist, payment is based on the least costly treatment alternative. 0000061349 00000 n
Join our newsletter and get our FREE Starter Budget! Another way to reduce medical bills is with Aetna dental discount programs in 47 states (sorry Montana, Tennessee and Vermont residents). FOR METLIFE SECURITIES INC. 1Certain providers may participate with MetLife through an agreement that MetLife has with a vendor. can be a lifesaver if you find yourself out of work due to any potential life-changing injury or illness. The Medium Option Benefit has the same covered services as the Low Option Benefit. Coverage is provided under a group insurance policy (Policy form GPNP99) issued by MetLife. Their plan covers more than 260 services with premiums starting around $0 per month with no annual maximum or deductibles. Know the Difference Between Basic Dental Plans and Full Coverage Plans. My Dental PPO. It also stands out for its dental discount card offering for families and individuals. Log in to manage your MetLife account or to access claim forms and additional resources. Here are the most common dental insurance fees. Co-Pay vs. There is a premium increase for adding short or long-term disability coverage, but its very low. Cigna has around 70,000 dentists in the network and heavily incentivizes you to choose a provider within their network. You can obtain an updated procedure charge schedule for your area via fax by dialing 1-800-942-0854 and using the MetLife Dental Automated Information Service. Can I get work done at dental schools for a discount? (Negotiated fees are subject to change.). PNB MetLife - Dental Care Plan proposal, Application Ref. producerservices@delta.org. 100% 90% 80% Basic Services Fillings: Amalgam (silver) and/or synthetic Composite (white tooth color) fillings for all teeth. There isnt an annual or lifetime maximum. pQw]+3+2=(3+2+3>o2954(I90T` 4
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Y#!vY[hj]ty?/,s8[Az!>63FI}$|nCi9*wd.@G The sign-up process is quick and almost always accepted within 24 to 72 hours. PDP Plus . (Due to contractual requirements, MetLife is prevented from soliciting certain providers.) You can enroll in the dental plan: Upon retirement When your COBRA dental coverage ends During the GIC's annual enrollment When you become a survivor of a GIC member When can I add my spouse or dependent to my GIC . One of their most popular plans, DentalGuard Preferred, covers 100% of preventative and basic services. provider to find out when they hold Open Enrollment each year. Are you regularly needing to renew prescriptions or have medical testing performed? Elective services are typically not covered by base medical plans. Available in CA, FL, NJ, NY, TX. 5 Based on internal analysis by MetLife. You have the flexibility to visit any licensed dentist and receive coverage under the plan. If your current dentist does not participate in the network,click hereto submit your nomination online to encourage him or her to apply.*. 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. Administration by: Forrest T. Jones and Company, Inc. 3130 Broadway. The rate is $96 per year for individuals. more than one dental benefits plan. Buy Up PPO Plan 2 . Cigna Dental is another major provider that has a long-standing positive reputation for its dental insurance plans. With this dental insurance plan, there is no deductible but there is a waiting period. 0000005591 00000 n
MetLife stands out for its focus on group plans and offerings for veterans and retired military and federal employees. The goal is to help you and your family stay on top of your oral . Not every dental savings plan is available in every state. This brochure describes the benefits of The MetLife Federal Dental Plan under Metropolitan Life Insurance Company (MetLife) contract OPM-06-00060-6 with OPM, as authorized by the FEDVIP law. Dental insurance may not be worth it if you use an out-of-network dentist as you will receive minimal or no discount. The DeltaCare USA (DHMO) plan, in most states, operates through a network of participating dentists who manage all of your dental care. Pricing will tend to vary by state but a rough guide shows a range from around $32 up to . More savings when you stay in-network 1. Routine visits to the dentist help prevent costly dental bills later on, as well as problems linked to medical conditions like diabetes or heart disease. Is the coverage for an individual or a family. To provide and maintain this valuable membership benefit, MetLife reimburses the association and/or the plan administrator for these costs. 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. From there, compare the plans that best cover your regular dental needs. Will smoking affect my dental insurance rates? so that you have better access to the services that you need most. Mon-Fri, 8:30am-5:00pm (CT). The Delta Dental group HMO dental plan is only available for Costco members in these states: Guardian offers life, health and dental insurance plans. that works for you is more important than looking at cost. If you need a claim form, visit https://www.metlife.com/support-and-manage/forms-library/ or request one by calling 1-800-942-0854. Select one of . 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 You will automatically transfer to the MetLife Dental plan at your current coverage level (individual, individual plus spouse, family, etc.) This website is a non-government asset providing health insurance related resources to consumers in an easy to understand format. Please contact MetLife or Member Benefits, your plan administrator at 1-800-282-8626 for costs and complete details. At time of enrollment, you will choose how you want to pay. no. 0000004895 00000 n
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/948>(faMmc;B*q,b/S|Y-=j|hgeYvA%RI~yXbtvepx) While base medical plans try to offer as many features as possible to meet everyones needs, you may still have to buy-up to get what you need the most. *Remember to note the dates for Open Enrollment. Lastly, their co-pays are as low as $5 per visit and $5 for a regular cleaning. Vision benefits are underwritten by Metropolitan Life Insurance Company, New York, NY (MetLife). Something else to consider is that premiums are only a portion of the cost. 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. Read your certificate of insurance for details on plan benefits, limitations, and exclusions. The maximum annual carryover amount can be between $1,000 and $2,500 depending on the plan option. 0000005061 00000 n
This plan is not a Qualified Health Plan under the Affordable Care Act. Dentists may submit your claims for you which means you have little or no paperwork. We recommend that you request a pre-treatment estimate for services in excess of $300. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment. Austin, TX 78735 A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for services provided to plan members. However, if you use a dentist who isn't part of MetLife's PDP Plus network, you . Humana Dental is a top dental insurance provider that has plans for all 50 states, Puerto Rico and the District of Columbia. Negotiated fees may extend to services not covered under your plan and services received after your plan maximum has been met, where permitted by applicable state law. 0000011524 00000 n
3 Discount Plans typically have a lower premium than PPO and Managed Fee for Service Plans. Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Health insurance is also much more expensive for members which is why they are very different than dental insurance. Similar to the two basic types of life insurance policies, smoking can play a big role in determining your monthly premium. According to DentalPlans.com, The cost for you to buy a typical individual policy is about $350 per year. It can be a close decision to figure out if dental insurance is really worth it. Accessed February 1, 2021. The real huge difference appears to be that out of network coverage (except emergency room) is covered at $0. A Dental Discount or Dental Savings plan allows members to choose from a panel of participating dentists who charge discounted fees for their services. You can quickly compare plans from over 270 dental insurance companies. @YI6HDsWce$f"y$3uda_> xJ e#W2\EkmQXR3epf3N?~6P,+NcOLf@'.-v+MTO(G$,F(=vMTOepfN*<8VCkE9o[U-%
T. This plan is not a Qualified Health Plan under the Affordable Care Act. Higher carryover amounts require a higher monthly plan cost. L0920007743[exp0922][All States][DC,GU,MP,PR,VI] 2020 MSS, Florida office (headquarters) The best plans let you save from 10% to 60% on most dental procedures. If you want to find the, thats best for you and your family, youll need to take a closer look at whats most important for your lifestyle and medical needs. 75 0 obj
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Medicare Supplement insurance plans are not linked with or sanctioned by the U.S. government or the federal Medicare program. However, if you only get preventive care or like a non-network dentist, paying cash can be better. Comprehensive coverage that protects your oral health and your wallet. Yes. can be a major money-saver if you incur a great deal of medical expenses over the year. This allows you to accrue money that can help you cover a variety of medical expenses. Youll also have to. Plan prices and options can vary by state of residence. As always, its important to do your own research to find out which health insurance plans will work best for you and your family. For example, lets say you only go twice a year for basic teeth cleaning procedures. Covers 100 % of preventative and basic services make changes to your health insurance is also more... It through your employer, log in to manage your MetLife account or access. 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