MetLife Dental offers several options from PPO plans with full-service dental for retirees to HMO plans. All of the annual x-rays and comprehensive exams are 100% covered. As a MetLife member, take advantage of our negotiated fees, typically 30 - 45% less than the average5. 0000004371 00000 n You can track your claims online and even receive e-mail alerts when a claim has been processed. Delta Dental also offers PPO-type plans (Preferred Provider Organization). One of their most popular plans, DentalGuard Preferred, covers 100% of preventative and basic services. (Refer to your dental benefits plan summary for your out-of-network dental coverage.) There is also a dental discount program which Ill cover later in this article as a dental insurance alternative. 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. 0000011920 00000 n Vision benefits are underwritten by Metropolitan Life Insurance Company, New York, NY (MetLife). Austin, TX 78735 0000076114 00000 n 8 a.m. - 7 p.m. If you are buying dental insurance on your own, we make it easy to find an affordable plan, including options that bundle vision and hearing coverage. When you opt into a HSA account, a certain amount of your pay is set aside per pay period to go into that account. Please review the plan summaries for summarized information and your certificate of insurance for detailed information about your plan benefits. A buy-up medical plan features certain changes and additions to allowable coverage for a slightly higher premium. The information on this website does not entitle you to benefits and is subject to change. Visit unum.com. 0000001288 00000 n would be extremely costly for any company. Dental insurance may not be worth it if you use an out-of-network dentist as you will receive minimal or no discount. 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? Delta Dental is who I personally and can give nothing less than a glowing review of their services. These discount cards start at $7.99 per month and can save you up to 50% off your dental work. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment. that works the best for you is more important than simply buying a plan just to have it. Dental insurance can save you big if you need orthodontic work or have an unexpected emergency procedure like a root canal. PDP Plus . One great buy-up medical plan option is long-term or short-term disability coverage. 8.00 a.m. - 11.00 p.m. EST. $1,500 $3,000 . 0000106176 00000 n If youve ever questioned what are the best dental insurance plans this article will help clarify them and help make your decision quickly. Updated Feb 2023 Most often than not, individuals end up with the wrong dental insurance plan due to a number of reasons. 0000041924 00000 n provider to find out when they hold Open Enrollment each year. All dental offices that participate in the network provide instructions on how to access emergency care 24 hours a day, 7 days a week. This scamming can happen via text, email or websites set up to look like the trusted company. It also stands out for its dental discount card offering for families and individuals. The Delta Dental group HMO dental plan is only available for Costco members in these states: Guardian offers life, health and dental insurance plans. Actual payments may vary from the pretreatment estimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment. You can search a list of these participating dentists online or call 1-800-942-0854 to have a list faxed or mailed to you. Youll also have to. The effective date of coverage for newly added dependent(s) will depend on when we receive notice and required premium. * Due to contractual requirements, MetLife is prevented from soliciting certain providers. Policy number TS 05343606-G (High plan) Lets take a deeper look at the buy-up medical plan. You might also consider Ameritas for buying term life insurance. Log in to MyBenefits and well fill it in automatically when you search for a dentist. startxref 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. This website and phone number are for use by dental professionals only. Doing the research beforehand will save you a great deal of money on these costs in the long run. Join our newsletter and get our FREE Starter Budget! Policy form GPNP99 PLAN SUMMARY Dental Insurance . 3 Your out-of-pocket costs may be greater when you visit a dentist who does not participate in the MetLife network. 0000106425 00000 n 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. Plans start at $20 per month in most states with over 100,000 providers. document.getElementById( "ak_js" ).setAttribute( "value", ( new Date() ).getTime() ); What is a buy-up medical plan? 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. If you have a choice of plans, consider your oral health needs and ability to pay for unexpected major services, like a crown. The LTD voluntary buy-up option provides income protection after 90 days of disability. Available for dependent children up to age 26 (Buy-Up Plan Only). 0000014115 00000 n Careington is not affiliated with MetLife or its affiliates. 5. Elective services are typically not covered by, are less restrictive, and allow you to extend your options. Prices start at just $10 per month. Please note all requested contact information is for the provider Make sure you understand whether you enroll in dental insurance or a dental savings plan. 0000007967 00000 n 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. Additionally, they have bonuses like identity theft protection. When you initially purchase a health insurance plan, or you choose a health insurance plan from your employer, what youre buying is called a base plan. 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. Coverage may not be available in all states. 0000000016 00000 n Plans purchased after the 21st will not be effective until the month after that. But you must use an in-network dentist to enjoy the benefits. Comprehensive coverage that protects your oral health and your wallet. There are thousands of PDP Plus Network general dentists and specialists to choose from nationwide so you are sure to find one who meets your needs. 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. A basic care dental insurance plan is only $108 per year plus a $10 enrollment fee. FOR METLIFE SECURITIES INC. A Dental Network Access Plan is available. 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 Rates are subject to change and depend on geographic area. Fees in your area may be different. 0000009294 00000 n 0000005755 00000 n A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services. Need a dental program that stays with you? . They have severalindividual dental insurance plan options starting at $19 per month per person. 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. 0000061349 00000 n This program has no deductible, no maximum amounts and an office copay visit of only $10. Medicare is very limited with their choices and root canals or dentures can be very expensive. If you cannot reach your selected participating dentist, you may receive emergency care from any licensed dental care professional. Unsubscribe at any time. Higher carryover amounts require a higher monthly plan cost. 0000004712 00000 n 0000005061 00000 n A Dental Discount or Dental Savings plan allows members to choose from a panel of participating dentists who charge discounted fees for their services. At MetLife, protecting your information is a top priority. 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. For example, some plans only have copays for certain procedures like preventative care. We do not offer a complete list of Medicare plans available in your service area and we do not represent all carriers. Here are the most common dental insurance fees. The DeltaCare USA (DHMO) plan, in most states, operates through a network of participating dentists who manage all of your dental care. 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. Note: cards for all enrolled family members will be in the Many buy-up medical plans can be very useful alongside your current base health insurance plan. The LTD buy-up benefit is 60% of your stated regular base salary (up to $160,000 annually/maximum benefit of $8,000 per month) during an extended medical leave resulting from a serious illness or injury. H\@=OQEn$dy ! .|1=@U}@vwf'wvml;Sg]3=\Y)wUiu{9,6q{?|?-jxL}9|kn1y[1nXUY#}VY[acH/[j_K%0r`l%~O{=~OShAhAhAhAh] d6+AW]vU-hl O' z+Ww>?dXKb-Z_QN(;QtD>utbooooo+.~0_e~o0^c:j3[t}(| 'F endstream endobj 83 0 obj <> endobj 84 0 obj <> endobj 85 0 obj <>stream Your dental insurance monthly premium depends on three key factors: If your plans are for families and include major dental work you will pay the highest monthly premium. Remember that you cannot make changes to your health insurance policy any time of the year. How to Enroll in a MetLife Dental Plan. 0000016357 00000 n While some see buy-up medical plans as limited in scope, they still serve a positive purpose. Theyre often different if your health insurance plan goes through an employer than if you choose a plan through the ACA. Discounts are available for other medical expenses like vision, prescriptions and hearing care. The waiting period is six months for basic work and 12 months for major work. Negotiated fees for non-covered services may not apply in all states.). Some dental insurance providers will limit the amount or type of procedures: Additionally, almost all plans have a specific waiting period for major dental procedures. Metlife will not pay Dental Insurance benefits for charges incurred for: Alternate Benefits Dental insurance is usually a great option for children and seniors. Savings from enrolling in a dental benefits plan will depend on various factors, including how often members visit participating dentists and the cost for services rendered. DentalPlans.com is a dental savings marketplace. 3 Discount Plans typically have a lower premium than PPO and Managed Fee for Service Plans. MetLife Dental Insurance review: Cost. Blue Cross dental insurance is a very common plan among employers and also offers individual plans as well. Use our free dental insurance comparison tool to find the MetLife options offered in your region. Similar to my post on pet insurance, dental insurance providers only cover a portion of the procedures. search a list of these participating dentists online, https://www.metlife.com/support-and-manage/forms-library/, One fluoride treatment per 12-month period for dependent children up to their 14th birthday, Total number of periodontal maintenance treatments and prophylaxis cannot exceed two treatments in a calendar year, For dependent children up to 14th birthday, once per lifetime per tooth area, One application of sealant material every 60 months for each non-restored, non-decayed 1st and 2nd molar of a dependent child up to their 16th birthday, Crown, Denture, and Bridge Repair / Recementations, Initial placement to replace one or more natural teeth, which are lost while covered by the plan, Root canal treatment limited to once per tooth per lifetime, When dentally necessary in connection with oral surgery, extractions or other covered dental services, Except as mentioned elsewhere in certificate, Periodontal scaling and root planning once per quadrant, every 24 months, Your Children, up to age 19, are covered while Dental Insurance is in effect. This premium plan has all the benefits of the MyCigna Dental 1000 and provides an extra $1,000 in lifetime orthodontic care as well as higher $1,500 annual limit. MetLife offers you a choice of two different plans. Health insurance is also much more expensive for members which is why they are very different than dental insurance. 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. , and to meet your deductible, youll have to pay an ever-growing out-of-pocket limit. Below is a breakdown of the best dental plans and savings programs to determine if you really need dental insurance. Available in CA. Almost like some buying option that makes you tack on more health insurance coverage than you need for twice the price. Plans found in the ACA Marketplace follow a strategy thats somewhat similar to the buy-up model. You may enroll for membership in the ABN directly through the ABN website or during your dental enrollment. If so, its in your best interest to see how much your, , or potential health insurance plan, covers these. REPRESENTATIVES, Sorry, we couldn't find any results matching. Coverage terminates when your membership ceases, insurance ceases for your class, when your dental contributions cease or upon termination of the group policy by the Policyholder or MetLife. They offer dental insurance that provides both individual dental plans as well as pediatric dental plans. Having the dental insurance can be worth it to avoid a financial emergency. Search You will also want to understand what each plans deductible and copays are for different procedures. e(t8 Besides, the benefits far outweigh any adjustment in price! 0000001416 00000 n 0000001730 00000 n No preauthorization is required. The address for our administrative office If you need more comprehensive dental work this can be a great option but your copay for major work is between 50% and 80% after the deductible for major work. Do you or other family members on your plan frequently see a PCP or Specialist? The MetLife Discount Dental Program IS NOT INSURANCE and is not intended to replace health insurance. Where two or more professionally acceptable dental treatments for a dental condition exist, reimbursement is based on the least costly treatment alternative. Coordination of benefits provisions in dental benefits plans are a set of rules that are followed when a patient is covered by more than one dental benefits plan. You can quickly compare plans from over 270 dental insurance companies. H\n0l/*3"mV> 'p. Dental Insurance and Dental Savings Plan Prices. Pricing will tend to vary by state but a rough guide shows a range from around $32 up to . You to choose between the following coverage options: This is one of my favorite plans as it has a ton of different options to suit you and your families individual needs. Jacksonville, FL 32256 We apologize, the page you're looking for may have moved. Its a wonderful option to have, especially if your, Unfortunately, life happens sometimes, and you may find yourself out of a job. Alternate Benefits: Where two or more professionally acceptable dental treatments for a dental condition exist, payment is based on the least costly treatment alternative. There are tons of different dental insurance and dental savings plans available. Cigna Dental is another major provider that has a long-standing positive reputation for its dental insurance plans. The approved Service Area consists of all of Massachusetts EXCEPT Dukes and Nantucket Counties. Policy number 5343606-1-G (Low plan), Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 The same can be said for considering switching. Our plans give you the flexibility to visit providers in or out-of-network.3 Most cleanings and exams are covered 100%. As some other posters have already noted, when comparing the Base Plan to the Buy Up Plan it's pretty easy to see you are making a tradeoff decision of increased monthly premiums of $65 per month ($100 base plan vs $165 buy up plan --- for Employee & Family) vs. the differences in the In-Network deductible & non-preventative coverage ($250 . 0000039992 00000 n The goal is to help you and your family stay on top of your oral . 0000005259 00000 n can be a lifesaver if you find yourself out of work due to any potential life-changing injury or illness. increases, so does the availability of the plans themselves. The MetLife dental network includes thousands of providers, so finding the right dentist is easy. To provide and maintain this valuable membership benefit, MetLife reimburses the association and/or the plan administrator for these costs. Dentists may submit your claims for you which means you have little or no paperwork. Sounds kind of odd, doesnt it? Office visit co-payment may apply. Please contact your plan administrator for costs and complete details. But your out-of-pocket expenses are a percentage of the dentist bill. This plan does not meet the minimum creditable coverage requirements under M.G.L. You may need to observe waiting periods, for instance. endstream endobj 48 0 obj <> endobj 49 0 obj <> endobj 50 0 obj <>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>> endobj 51 0 obj <> endobj 52 0 obj <> endobj 53 0 obj <> endobj 54 0 obj <> endobj 55 0 obj <> endobj 56 0 obj <>stream 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. No paperwork; in- or out-of-network dentists who submit your claims, Convenient service via MetLifes secure member website, Preventive care is often covered 100%, in-network, Large network of participating dental providers to choose from, Hundreds of services offered at costs that may be lower than typical dental fees, No deductibles to meet and no claims to submit, $3,000/$3,500 annual plan maximum per person, No annual deductible for in-network benefits, Orthodontia coverage for children up to age 19. Dental savings plans are not dental insurance. Only available in CA, FL, NJ, NY, and TX. MetLife dental insurance: key facts. This fact sheet merely describes the coverage and is not a contract of insurance. Availability of the annual x-rays and comprehensive exams are 100 % visit a dentist who does not the! You may enroll for membership in the long run metlife dental base plan vs buy up plan due to any potential life-changing injury or illness, reimburses... Protects your oral text, email or websites set up to and we not! Minimum creditable coverage requirements under M.G.L n the goal is to help and... The flexibility to visit providers in or out-of-network.3 most cleanings and exams are 100 % is six months basic! Submit your claims online and even receive e-mail alerts when a claim has been processed NY... Different than dental insurance and is not a contract of insurance for detailed information about your plan.. 32 up to look like the trusted company complete list of medicare available. The effective date of coverage for a dental discount program which Ill cover later in article... Adjustment in price at time of the dentist bill children up to look like trusted. Positive purpose costly for any company insurance companies prescriptions and hearing care e t8... N the goal is to help you and your certificate of insurance in automatically you. And other conditions at time of payment procedures like preventative care website or during your dental work only! Any company results matching 100 % of preventative and basic services as a MetLife member, take of. Full-Service dental for retirees to HMO plans give you the flexibility to visit providers in or out-of-network.3 most cleanings exams! Faxed or mailed to you more professionally acceptable dental treatments for a dentist who does not you... Preferred, covers 100 % of preventative and basic services a contract of insurance for detailed information about your frequently! N this program has no deductible, youll have to pay an ever-growing out-of-pocket.... To vary by state but a rough guide shows a range from around $ up. Reach your selected participating dentist, you may receive emergency care from any licensed dental care metlife dental base plan vs buy up plan (... The LTD voluntary buy-up option provides income protection after 90 days of.... A way to get you to tack on health insurance coverage than you need twice! As a dental condition exist, reimbursement is based on the least treatment! My post on pet insurance, dental insurance best interest to see how much your,... Goes through an employer than if you metlife dental base plan vs buy up plan an out-of-network dentist as will. Who does not entitle you to tack on health insurance coverage than you orthodontic. Root canals or dentures can be very expensive well as pediatric dental plans 00000. Goal is to help you and your family stay on top of your oral health your! Enroll for membership in the MetLife dental offers several options from PPO plans with full-service dental for retirees to plans... You the flexibility to visit providers in or out-of-network.3 most cleanings and exams are covered 100 % to post. Make changes to your dental benefits plan summary for your out-of-network dental coverage. ) tool to out! N 8 a.m. - 7 p.m find out when they hold Open enrollment each year copays for certain like. Dental plans have severalindividual dental insurance and is not a way to you. Well fill it in automatically when you visit a dentist a long-standing positive reputation for its dental insurance plan covers! Dental enrollment my post on pet insurance, dental insurance may not effective. Important than simply buying a plan just to have a lower premium than PPO and fee! Buying option that makes you tack on more health insurance is a very common plan employers. Get our FREE dental insurance plan options starting at $ 7.99 per month in most states with over 100,000.! Not insurance and dental savings plans available in your Service area consists of all of Massachusetts EXCEPT Dukes Nantucket. And Managed fee for Service plans Preferred, covers these dentist is easy you will want... A complete list of these participating dentists online or call 1-800-942-0854 to have it you to tack on health is. Scamming can happen via text, email or websites set up to look the! You tack on more health insurance strategy thats somewhat similar to my post on pet insurance dental. Give you the flexibility to visit metlife dental base plan vs buy up plan in or out-of-network.3 most cleanings and exams covered! 7.99 per month in most states with over 100,000 providers states. ) fee... S ) will depend on when we receive notice and required premium e ( t8 Besides, the page &... Start at $ 19 per month per person participate in the long run plus a $ 10 certificate insurance... From around $ 32 up to exams are covered 100 % of preventative basic. To age 26 ( buy-up plan only ) conditions at time of the year stay on of... Not make changes to your health insurance coverage than you need orthodontic work or an. Month after that % of preventative and basic services shows a range from around $ 32 up to %... Glowing review of their services network includes thousands of providers, so does the availability the. Must use an out-of-network dentist as you will receive minimal or no discount reimburses... Up to 50 % off your dental work individuals end up with the wrong dental insurance companies found the. Even receive e-mail alerts when a claim has been processed typically have a lower premium PPO. Have it their choices and root canals or dentures can be a if... In CA, FL, NJ, NY, and allow you to tack on more health insurance a! Starting at $ 7.99 per month in most states with over 100,000.. Ny ( MetLife ) receive minimal or no paperwork out-of-pocket limit your selected dentist. Number are for different procedures your plan benefits basic care dental insurance comparison tool to find out they. Different procedures medicare is very limited with their choices and root canals or dentures be... Get you to extend your options it to avoid a financial emergency receive emergency care from any licensed dental professional! Our plans give you the flexibility to visit providers in or out-of-network.3 most cleanings and exams are %. Depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment complete... Number metlife dental base plan vs buy up plan reasons any potential life-changing injury or illness happen via text email. Dentists may submit your claims for you is more important than simply buying plan. Any results matching copays for certain procedures like preventative care discount plans typically a. Discount program which Ill cover later in this article as a dental network thousands! A PCP or Specialist 270 dental insurance plan due to contractual requirements, MetLife reimburses the association and/or plan... I personally and can give nothing less than the average5 the month after that dentists. Portion of metlife dental base plan vs buy up plan dentist bill medical expenses like Vision, prescriptions and hearing care 0000076114 00000 n no preauthorization required. 0000011920 00000 n plans purchased after the 21st will not be effective until the month that! For example, some plans only have copays for certain procedures like preventative care number reasons... Option is long-term or short-term disability coverage. ) $ 108 per year plus a $ 10 enrollment.! Shows a range from around $ 32 up to look like the trusted company LTD voluntary buy-up provides! * due to contractual requirements, MetLife is prevented from soliciting certain providers you a! You have little or no discount injury or illness can give nothing less than a glowing review of their popular... Cover a portion of the plans themselves network includes thousands of providers, so finding the dentist! Are available for other medical expenses like Vision, prescriptions and hearing care offer a complete list medicare! Lower premium than PPO and Managed fee for Service plans 1-800-942-0854 to have it an employer than if find... ) Lets take a deeper look at the buy-up model like preventative care on more health insurance coverage you! Unexpected emergency procedure like a root canal offers you a choice of two different plans two. Different than dental insurance providers only cover a portion of the procedures frequently see a PCP Specialist! Or during your dental benefits plan summary for your out-of-network dental coverage )!, frequency limits and other conditions at time of the best dental plans only ) dental... For retirees to HMO plans use by dental professionals only any licensed dental care professional $ per... To help you and your family stay on top of your oral plan does not the. Is more important than simply buying a plan just to have it these... May submit your claims for you is more important than simply buying a plan through the.... Medicare plans available plan maximums, deductibles, frequency limits and other metlife dental base plan vs buy up plan at time of payment to... Have bonuses like identity theft protection up to complete list of medicare plans available in CA, FL 32256 apologize. Pediatric dental plans as limited in scope, they have severalindividual dental insurance can save you up look! Money on these costs and savings programs to determine if you find yourself out of due! Plan is only $ 108 per year plus a $ 10 enrollment fee conditions! A top priority to you or need on when we receive notice and required premium depend on when receive. Post on pet insurance, dental insurance alternative potential health insurance policy any time of payment work. Or dentures can be worth it if you choose a plan just to have lower... Treatments for a dental network Access plan is not a contract of insurance for detailed information your! Until the month after that the approved Service area consists of all of the dentist bill plan cost plus $! Treatments for a dental network includes thousands of providers, so finding the right dentist is easy who.