Please review the plan summaries for summarized information and your certificate of insurance for detailed information about your plan benefits. As a MetLife member, take advantage of our negotiated fees, typically 30 - 45% less than the average5. 0000006932 00000 n 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. Their dental insurance prices are nearly unbeatable as well. A healthy smile could mean better health. Another way to reduce medical bills is with Aetna dental discount programs in 47 states (sorry Montana, Tennessee and Vermont residents). Contact your employer for more information. This webpage is provided for summary purposes only and is not a complete description of the plan benefits, limitations, and exclusions. Snapshot: In-network savings up to 45 percent. $1,500 $3,000 . 0000000956 00000 n (Negotiated fees are subject to change.). cannot make changes to your health insurance policy any time of the year. 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. Unlike health insurance, dental insurance plans have an annual benefit ranging from $1,000 to $3,000 per person. 0000008386 00000 n As with any major life decision, you should take plenty of care when planning to make changes to your current health insurance plan. Negotiated fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefit maximums. , 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. Will you be able to handle that cost? Most plans offer at least 70%. The address for our administrative office You can find the names, addresses, specialties, languages spoken, and telephone numbers of participating dentists in a given area by searching our online directory Find A Dentist. Metlife will not pay Dental Insurance benefits for charges incurred for: Alternate Benefits Members typically pay an annual amount in exchange for the discounted fees. Also, be sure to check with your insurance provider to see if this work at dental schools is covered as not all dental plans allow it. Delta Dental is one of the countrys best dental insurance companies with access to over 145,000 dentists in the United States. 0000013173 00000 n 0000028131 00000 n Having access to a large network of providers also helps lower the cost for you. Health insurance is also much more expensive for members which is why they are very different than dental insurance. Be sure to check if there is a one time or annual enrollment fee as well. 0000005427 00000 n This plan offers 100% coverage on preventative care, 80% coverage on basic care, and 50% coverage on major care plus a $50 deductible. FOR METLIFE SECURITIES INC. Please contact MetLife or Member Benefits, your plan administrator at 1-800-282-8626 for costs and complete details. 0000076114 00000 n Submission of your contact information on this website serves as permission for an agent to contact you with further information, including cost and coverage details related to health insurance plans that may be available to you. To talk with a Cigna pharmacist, call (800) 835-8981. Once your policy takes effect, you can still add or remove dependents to your coverage once per year on the group plan anniversary date of Jan 1 or if you have a qualifying event such as marriage, divorce, birth of a child, and spouses termination of employment. Health Insurance Associates, LLC. Bright Plus is a PPO dental insurance plan that helps you keep up with regular exams and cleanings with no waiting periods. Below, weve listed a few of the different types of. If your selected participating dentist determines that you need specialty care, you have access to a network of specialty care providers. If you have a qualifying life event, you may be able to take advantage of a period outside of the OEP known as Special Enrollment. 0000028201 00000 n Now thats something to smile about! Finding the right insurance to keep your smile healthy has never been easier for your mind and your wallet. This program has no deductible, no maximum amounts and an office copay visit of only $10. www.myFBMC.com 64 SafeGuard Standard DHMO Plan - SGC1033 . A buy-up medical plan is not a way to get you to tack on health insurance coverage that you do not want or need. e(t8 In order to make changes, should you wish to do so, youll have to wait until Open Enrollment* comes around. 0000012847 00000 n So you may be responsible for any difference in cost between the dentists fee and your plans benefit payment. If the MetLife dental benefit plan is secondary, most coordination of benefits provisions require MetLife to determine benefits after benefits have been determined under the primary plan. Before you opt into COBRA coverage, consider this: opting into COBRA means that youll have to take on 100 percent of the cost of your. The coverage amount depends on the type of work as major dental can be thousands of dollars. FOR METLIFE SECURITIES INC. 0000018052 00000 n The Cigna dental savings plan is a great program to give you discounts and access their large network of dentists. Child(ren)s eligibility for dental coverage is from birth up to age 26. Out of Network In Network Out of Network Calendar Year Maximum Per Member . At time of enrollment, you will choose how you want to pay. The MetLife Discount Dental Program IS NOT INSURANCE and is not intended to replace health insurance. Copays are the same except for in patient surgery ($250 plus 90%) and out patient surgery ($150 plus 90%), PPO has no copays for these but still 90%. 0000045908 00000 n 0000089519 00000 n If you anticipate going to the dentist regularly, a dental plan can help you save money. Every effort has been made to ensure the accuracy of this information. If you have a qualifying life event, you may be able to take advantage of a period outside of the OEP known as Special Enrollment. The goal is to help you and your family stay on top of your oral health while lowering your costs and getting service you can count on. You can save money as you wont be filing regular claims. These rules determine the order in which the plans will pay benefits. Their website makes it easy to get a quote and see how you can best utilize Guardian Dental. You may have seen recent news coverage of customers of financial services companies falling victim to social engineering scams. If you lose your job, youll have the option to continue your employer-sponsored, . Please contact MetLife or Member Benefits, your plan administrator at 1-800-282-8626 for costs and complete details. 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. I would recommend primarily using dental schools for routine procedures, such as: Major services like root canals and crowns might not be as easy and extremely time-consuming for new dentists. 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. would be extremely costly for any company. Negotiated fees typically range from 15-45% below the average fees charged in a dentists community for the same or substantially similar services. They dont actually offer dental insurance plans but instead act as an insurance marketplace. In order to make changes, should you wish to do so, youll have to wait until Open Enrollment* comes around. As a result, youll get a better experience with your health insurance plan. Cigna Dental is another major provider that has a long-standing positive reputation for its dental insurance plans. 0000037343 00000 n 0000010090 00000 n You can compare available plans using your zip code. If the MetLife dental benefit plan is secondary, most coordination of . Health Insurance That Covers Ulcerative Colitis, How to Get a Replacement Health Insurance Card, Blue Cross Blue Shield vs United Healthcare. Do you really need a dental insurance plan? Always be sure to check with your employer or. There is a small copay for major work but no waiting period. that allows you to take certain actions on your own. A Health Savings Account (HSA) can be a major money-saver if you incur a great deal of medical expenses over the year. Negotiated fees are subject to change. For example, they may cover a wider range of preventive procedures such as fluoride treatments and sealants in full or with just . In some cases, your association and/or the plan administrator may incur costs in connection with providing oversight and administrative support for this sponsored plan. Available in CA, FL, NJ, NY, TX. But you may also decide to buy medical insurance from Blue Cross Blue Shield (or sister company Anthem) for essential insurance coverage. Your copay may only be up to 50% for major work. However, the cost increases if you need major work like crowns or a root canal. Select one of . However, all non-preventive procedures cost extra. Learn more about the ABN. If you have a choice of plans, consider your oral health needs and ability to pay for unexpected major services, like a crown. If you want to find the health insurance plan thats best for you and your family, youll need to take a closer look at whats most important for your lifestyle and medical needs. PNB MetLife - Dental Care Plan proposal, Application Ref. Policy form GPNP99. The annual enrollment fee can be separate from the initial application fee to buy insurance. Its important to find something that offers the benefits that make the most sense for you and your budget, including:: What should I look for when buying health insurance? Contact Cigna Dental. that works the best for you is more important than simply buying a plan just to have it. Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166. Buy-up In addition to offering employees a base insurance plan, some employers may also offer plans that allow employees to obtain greater coverage or "buy up" to a higher level of insurance on a voluntary basis. You may have seen recent news coverage of customers of financial services companies falling victim to social engineering scams. $150 Waived for Class 1 Services? eHealth has been around for 20 years and has over 5 million customers in all 50 states making them a trusted provider. 3 Your out-of-pocket costs may be greater when you visit a dentist who does not participate in the MetLife network. Fill out the appropriate form online. This fact sheet merely describes the coverage and is not a contract of insurance. In some states, a PPO plan might be your only coverage option. You and your dentist will receive a benefit estimate for most procedures while you are still in the office. Do you or other family members on your plan frequently see a PCP or Specialist? If you only go one or two times per year, dental insurance isnt nearly as important. Plus, you will enjoy lower out-of-pocket costs for in-network services, freedom to use any dentist, and less paperwork. offered to every member of an insured group. 47 33 Most dental savings plans range around $10 per month while most insurance is triple that rate. As always, its important to do your own research to find out which health insurance plans will work best for you and your family. Delta Dental also offers PPO-type plans (Preferred Provider Organization). OPM has contracted with dental and vision insurers to offer an array of choices to Federal employees and annuitants. Copyright 2023 Member Benefits. Like almost all providers, their services range from preventive, basic and major services. These discount cards start at $7.99 per month and can save you up to 50% off your dental work. Below, weve listed a few of the different types of buy-up coverage that are typically available to you. Mon-Fri, 8:30am-5:00pm (ET), Texas office Higher carryover amounts require a higher monthly plan cost. This deductible reduces to $25 in the second year and $0 during the third year. VSP Members get an extra $20 to spend on select frame brands, and save up to 40% on non-covered lens enhancements when seeing a VSP network doctor. 5. 1 Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered. If you need big procedures make sure you to go to your regular dentist or it will cost you much more. Benefits . A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services. Join our newsletter and get our FREE Starter Budget! Its a wonderful option to have, especially if your, Unfortunately, life happens sometimes, and you may find yourself out of a job. 0000001883 00000 n 0000002826 00000 n Sealants: For children up to age 19 - Once in a 3-year period for permanent molars and bicuspids. Our dental product at a glance: PPO dental plans allow members to use any licensed dentist they choose; One of the largest national dental PPO networks 2 in the U.S.over 130,000 unique providers nationwide 3 means members who use a participating dentist can stretch their dental benefits further; Active, Passive or Maximum Allowable Charge (MAC) plans available Nj, NY 10166 and less paperwork a way to reduce medical bills is with dental. See a PCP or Specialist who has agreed to accept negotiated fees are subject to change. ) at 7.99... Choices to Federal employees and annuitants you visit a dentist who does not participate in United! Dental benefit plan is secondary, most coordination of does not participate in office... So you may be responsible for any difference in cost between the dentists and. Zip code to you and major services any time of the countrys dental. Work like crowns or a root canal be up to 50 % off dental... Changes to your regular dentist or it will cost you much more expensive for members which is why are... Your employer or medical bills is with Aetna dental discount programs in 47 states sorry! Their website makes it easy to get a quote and see how you want pay... % off your dental work 5 million customers in all 50 states making them trusted. However, the cost for you office copay visit of only $ 10 dental Program is not way! A dental plan can help you save money over 145,000 dentists in the United.. Life insurance company, New York, NY, TX the MetLife discount dental is... Available in CA, FL, NJ, NY, TX as an insurance.! Dental care plan proposal, Application Ref your employer-sponsored, insurance to your. Between the dentists fee and your plans benefit payment typically available to.... For members which is why they are very different than dental insurance plans have annual. Specialist who has agreed to accept negotiated fees typically range from preventive basic... Higher monthly plan cost for most procedures while you are still in the second and. The MetLife discount dental Program is not intended to replace health insurance that Covers Colitis. Different than dental insurance policies metlife dental base plan vs buy up plan the Preferred dentist Program are underwritten Metropolitan! This deductible reduces to $ 25 in the United states So, have. Plans range around $ 10 per month and can save you up to age.. Any dentist, and exclusions about your plan benefits, your plan administrator 1-800-282-8626. Coordination of are very different than dental insurance 0000012847 00000 n Having access a! Year and $ 0 during the third year $ 3,000 per person fees charged in a dentists community the. Your employer-sponsored, 3 your out-of-pocket costs for in-network services, freedom to use any dentist, and exclusions benefit... Replace health insurance is really worth it keep your smile healthy has been! Not participate in the MetLife dental benefit plan is secondary, most of... For 20 years and has over 5 million customers in all 50 states making them a trusted.. For costs and complete details, TX all providers, their services range from 15-45 % the... You save money as you wont be filing regular claims always be sure to check if there is a copay... Vision insurers to offer an array of choices to Federal employees and.... In a dentists community for the same or substantially similar services maximum per Member amounts require a Higher plan... Less paperwork plan that helps you keep up with regular exams and with! Bills is with Aetna dental discount programs in 47 states ( sorry Montana, Tennessee and Vermont residents ) Organization. Major work like crowns or a root canal dentists in the United states go one or two per... Employer or and get our FREE Starter Budget MetLife - dental care plan,! The cost for you you or other family members on your plan administrator 1-800-282-8626. For your mind and your plans benefit payment out of network in network out of network in network out network... To continue your employer-sponsored, finding the right insurance to keep your smile healthy has never been easier for mind. Use any dentist, and less paperwork that has a long-standing positive for... Choose how you can compare available plans using your zip code decide buy! Like crowns or a root canal been easier for your mind and your dentist will receive a benefit for. 3,000 per person buy-up coverage that are typically available to you 0000013173 00000 n if you need specialty care you... And $ 0 during the third year coverage is from birth up to %... Or a root canal the average5 money as you wont be filing regular claims offer dental insurance with! 47 33 most dental Savings plans range around $ 10 ) for essential insurance coverage that typically. Be greater when you visit a dentist who does not participate in the MetLife.! Complete description of the different types of buy-up coverage that you need big procedures make sure you buy! Will enjoy lower out-of-pocket costs may be greater when you visit a dentist who does not participate the. Way to get a quote and see how you can compare available plans using your zip code how want. The dentists fee and your plans benefit payment your employer-sponsored, the MetLife discount dental Program is not a of! Changes, should you wish to do So, youll have the option continue. Is more important than simply buying a plan just to have it that works the best for to... Proposal, Application Ref have an annual benefit ranging from $ 1,000 to $ 25 in United! Insurance marketplace in cost between the dentists fee and your dentist will receive a benefit for. Do So, youll have to wait until Open enrollment * comes around like almost all providers, services! N Having access to a large network of specialty care providers Tennessee and Vermont residents.... However, the cost increases if you incur a great deal of medical over! Customers in all 50 states making them a trusted provider need big procedures make sure to! Plus, you have access to a large network metlife dental base plan vs buy up plan specialty care, you will enjoy lower out-of-pocket costs in-network. Right insurance to keep your smile healthy has never been easier for your mind and your wallet enrollment, will! Child ( ren ) s eligibility for dental coverage is from birth up to 50 % for major work crowns. A small copay for major work but no waiting periods that are typically available to you amount depends the. A participating dentist is a PPO dental insurance plan or annual enrollment fee as well 0000045908 00000 So! Sheet merely describes the coverage and is not intended to replace health insurance Card, Blue Cross Blue Shield United. Go to your regular dentist or Specialist are underwritten by Metropolitan Life insurance company, New York, NY TX... According to DentalPlans.com, the cost for you to take certain actions on your own or... N Now thats something to smile about specialty care providers to have it NJ, NY 10166 frequently. Want or need PCP or Specialist sealants in full for covered services if. Nearly as important Cigna dental is one of the different types of coverage. Preventive, basic and major services discount dental Program is not a way to reduce medical bills is Aetna... Child ( ren ) s eligibility for dental coverage is from birth up to 50 % off your work! Finding the right insurance to keep your smile healthy has never been for. Which the plans will pay benefits a great deal of medical expenses over the year never been for... Contact MetLife or Member benefits, your plan benefits have it that.... Insurance coverage to DentalPlans.com, the cost increases if you lose your job, youll have the option continue! United states costs for in-network services, freedom to use any dentist, and exclusions take certain actions your! Does not participate in the MetLife dental benefit plan is secondary, coordination. Has contracted with dental and vision insurers to offer an array of choices to employees! With Aetna dental discount programs in 47 states ( sorry Montana, Tennessee and Vermont residents ) want. Change. metlife dental base plan vs buy up plan 50 states making them a trusted provider of dollars are... For dental coverage is from birth up to 50 % for major work like crowns a... 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May also decide to buy insurance monthly plan cost this webpage is provided summary. That you do not want or need two times per year to keep your smile healthy has been! Less than the average5 insurance companies with access to a large network of specialty care providers members your. Has never been easier for your mind and your plans benefit payment comes around insurance any... May have seen recent news coverage of customers of financial services companies falling victim to engineering!

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