PPO and maximum allowable charge (MAC) plans are available. How to Enroll in a MetLife Dental Plan. HTn@}Whbx 2023 MetLife Services and Solutions, LLC. If youre willing to increase how much you pay for health insurance premiums each month to get access to care you may not have with your base medical plan, then a buy-up medical plan is your best option. Always be sure to check with your employer or. Doing the research beforehand will save you a great deal of money on these costs in the long run. 0000016357 00000 n 1-800-244-6224 or Cigna Dental Web Site. Sounds kind of odd, doesnt it? Administration by: Forrest T. Jones and Company, Inc. 3130 Broadway. 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. Fees in your area may be different. 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). 0000001730 00000 n Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166. 0000012847 00000 n %PDF-1.5 % features certain changes and additions to allowable coverage for a slightly higher premium. EePY/WJAwk%?oG!fxSeC~CB!Dm61Bt8>|b>V}j+H6SIhG-+]PS8=$-SJf="4=]^FOb=ucn$1 0000002319 00000 n A basic dental plan covers preventive care such as checkups, cleanings, x-rays, and a few basic procedures, like cavity fillings. What is Continuation of Health Coverage (COBRA)? The Best Benefits Package for Small Businesses, The Metal Categories: Bronze, Silver, Gold & Platinum. But you may also decide to buy medical insurance from Blue Cross Blue Shield (or sister company Anthem) for essential insurance coverage. Cigna states the average discount is 34%. The Cigna dental savings plan is a great program to give you discounts and access their large network of dentists. Their popular PrimeStar plans have a $50 deductible with varying monthly costs and coverage amounts. Most plans cover 100% for exams, cleanings, and X-rays, without a waiting period. Yes. FOR METLIFE SECURITIES INC. A class is a group of people defined in the group policy. 0000008603 00000 n Are there any government programs for dental insurance? Dental benefits and dental insurance plans contain exclusions and limitations. xref Plans found in the ACA Marketplace follow a strategy thats somewhat similar to the buy-up model. (Based on internal analysis by MetLife. Unlike health insurance, dental insurance plans have an annual benefit ranging from $1,000 to $3,000 per person. Some states do help provide affordable dental insurance if you are unable to pay yourself. Delta Dental is one of the countrys best dental insurance companies with access to over 145,000 dentists in the United States. The best option is to see which insurance your favorite dentist accepts. They can also help you find ways to lower your medication costs. Careington is not affiliated with MetLife or its affiliates. You may have seen recent news coverage of customers of financial services companies falling victim to social engineering scams. 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. Additionally, they have bonuses like identity theft protection. eHealth has been around for 20 years and has over 5 million customers in all 50 states making them a trusted provider. Luckily, there are no shortages of different types of dental insurance plans available. Yes, Costco does offer dental insurance that you can sign up for after grabbing a $2 slice of pizza. 0000090270 00000 n Unlike other providers that offer both dental insurance and dental savings, Careington only offers discount programs. A Dental Discount or Dental Savings plan allows members to choose from a panel of participating dentists who charge discounted fees for their services. 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. Choosing a network with many local providers can make finding a dentist as easy as possible. The rate is $96 per year for individuals. Elective services are typically not covered by, are less restrictive, and allow you to extend your options. 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. The pricing for services is similar to a basic plan. 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. Aetna has a good selection of group dental plans. This website and phone number are for use by dental professionals only. 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. Will you be able to handle that cost? #5 Aetna. These rules determine the order in which the plans will pay benefits. Benefits are subject to change upon agreement between Metropolitan Life Insurance Company and the participating organization. FOR METLIFE SECURITIES INC. Please contact Member Benefits your plan administrator at 1-800-282-8626 for more information. 0000006932 00000 n The yearly cost starts at $99 for the cheapest of three plans. This distinction is important to avoid costly mistakes. 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. 0000027566 00000 n You may have seen recent news coverage of customers of financial services companies falling victim to social engineering scams. Negotiated fees typically range from 30 - 45% less than the average charges in a dentists community for similar services.2 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. Your copay may only be up to 50% for major work. This plan is not a Qualified Health Plan under the Affordable Care Act. Your monthly cost is also a fraction of the cost of dental insurance. The mid-tier Cigna Dental 1000 plan has these coverage benefits: This plan covers preventive care, restoration, and diagnostic procedures. Plans start at $20 per month in most states with over 100,000 providers. 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? The MetLife Discount Dental Program IS NOT INSURANCE and is not intended to replace health insurance. Blue Cross dental insurance is a very common plan among employers and also offers individual plans as well. 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. cannot make changes to your health insurance policy any time of the year. When enrolling you may choose to also cover your spouse, domestic partner, and/or children up to age 26. You may choose one of four dental plans, offered by SafeGuard, a MetLife Company and Metropolitan Life. They can help you understand what your medication does and why it's important to take it as your doctor's prescribed, and can help you work through side effects. If you choose Humana, try to stay in the network as you save a substantial amount. Call as often as you need to. E.g., a plan purchased on June 17 would become effective on July 1. Their dental insurance prices are nearly unbeatable as well. While you might lose money some years with insurance, you can save money when you need basic or major work. Some major dental work may have a waiting period. coverage that are typically available to you. 0000011920 00000 n H\n0. FEDVIP Federal Dental and Federal Vision Plans | MetLife FEDVIP The copay reduces after holding the plan for multiple years for simple and major work. While Aetna is an excellent choice, MetLife gets the recommendation for its specialization in group dental insurance and its dental insurance plan for individuals and families. In certain states, availability of the individual dental product is subject to regulatory approval. All dental offices that participate in the network provide instructions on how to access emergency care 24 hours a day, 7 days a week. With this dental insurance plan, there is no deductible but there is a waiting period. 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. Make sure you understand whether you enroll in dental insurance or a dental savings plan. is exploring the fine details of whats available to you. Pay less with in-network dentists. 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. Prices will vary by the region and dentist that you select as well. Select one of . 0000028131 00000 n Policy form GPNP99. But coverage isnt available in every state. Please note all requested contact information is for the provider If youre willing to increase how much you pay for health insurance premiums each month to get access to care you may not have with your, are designed to allow you to expand or completely switch your. For example, some of the Humana dental plans cover 100% of dentists within the network and only 50% of out of network providers. Portability If you leave your employer, you can keep your coverage and pay the insurance company directly. 200 Park Avenue. that allows you to take certain actions on your own. $150 . *Negotiated Fee refers to the fees that participating dentists have agreed to accept as payment in full, subject to any co-payments, deductibles, cost sharing and benefits maximums. 0000008097 00000 n From there, compare the plans that best cover your regular dental needs. 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. This PPO plan helps with routine dental needs and covers a portion of more serious procedures like root canals, crowns and dentures. When you opt into a HSA account, a certain amount of your pay is set aside per pay period to go into that account. This deductible reduces to $25 in the second year and $0 during the third year. 2. Doing the research beforehand will save you a great deal of money on these costs in the long run. The maximum benefit for this plan is $1000 per person and has a $75 (individual) or $225 (family) deductible. You might also consider Ameritas for buying term life insurance. 0000061642 00000 n 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. The main benefit for dental savings plans is that you can save up to 50% on basic procedures. 8.00 a.m. - 11.00 p.m. EST. Here are the three most common Cigna Dental plans. 0000012070 00000 n Base medical plans cover core healthcare services, such as: These are known as essential health benefits. However, the cost increases if you need major work like crowns or a root canal. Medicare Supplement insurance plans are not linked with or sanctioned by the U.S. government or the federal Medicare program. 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. MetLife offers you a choice of two different plans. 0000106176 00000 n Simply have your dentist submit a request online at www.metdental.com or call 1-877-MET-DDS9. This preferred dental program is also the same as PDP, but only available to certain Federal government employees. If youve ever questioned what are the best dental insurance plans this article will help clarify them and help make your decision quickly. The MetLife Exclusive Provider Organization (EPO) contains features similar to PDP & DHMO. The Base Plan and the Buy-Up Plan both cover up to three cleanings per year, and exams at 100% and fillings at 90%, but the Buy-Up Plan has a higher annual maximum benefit and covers orthodontia.. Pricing will tend to vary by state but a rough guide shows a range from around $32 up to . PLAN SUMMARY Dental Insurance . Be sure to check if there is a one time or annual enrollment fee as well. MetLife gives you the information necessary to feel confident in your choices. Bright Plus benefits include: $100 per year in-office teeth whitening allowance, not subject to deductible or waiting periods. Learn more about our plans and programs, find a dentist, or sign in to view patient eligibility, plan detail, and claims. Mon-Fri, 8:30am-5:00pm (CT). MetLife Dental Comparison Chart. 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. New York, NY 10166 - All Rights Reserved. That is a major misconception about buy-up medical plans. Base PPO Plan 1 . Also, there are no limits on coverage and no paperwork. You may enroll for membership in the ABN directly through the ABN website or during your dental enrollment. 0000007502 00000 n L0920007743[exp0922][All States][DC,GU,MP,PR,VI] 2020 MSS, Florida office (headquarters) The waiting period is six months for basic work and 12 months for major work. c.111M and 956 CMR 5.00. Most plans are PPO-type dental insurance. A preferred dental program covers any licensed dentist/specialist, but if you choose an in-network provider, costs are typically lower. no. 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 New York, NY 10166 - All Rights Reserved. DHMO is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: Specialized Health Care Service Plans in California; Prepaid Limited Health Service Organizations as described in Chapter 636 of the Florida statutes in Florida; Single Service Health Maintenance Organizations in Texas; and Dental Plan Organizations as described in the Dental Plan Organization Act in New Jersey. can be a lifesaver if you find yourself out of work due to any potential life-changing injury or illness. Lets take a deeper look at the buy-up medical plan. The USAA dental insurance plans are only eligible for USAA members and their families that are active or former military. Dental issues are painful and expensive. 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. If you need some more income to offset costs be sure to check out these side hustles to start making money today. If you lose your job, youll have the option to continue your employer-sponsored health insurance coverage for a time through COBRA. FIND MY PREMIER DOCTOR. Most plans are direct referral plans, which means your selected participating dentist will provide you with the name of a network specialist. If you purchased your plan through the ACA Marketplace, your Open Enrollment period begins in early November and typically runs through the middle of January. 0000076114 00000 n Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc. a California corporation, in CA; SafeGuard Health Plans, Inc. a Florida corporation, in FL; SafeGuard Health Plans, Inc., a Texas corporation, in TX; and MetLife Health Plans, Inc., a Delaware corporation, and Metropolitan Life Insurance Company, a New York corporation, in NJ. 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. 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 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. . However, if you choose a non-participating dentist, your out-of-pocket costs may be higher. Employers elect their contribution level up to 100% of the total amount and the plan covers all types of procedures. You should fully explore the medical needs for your household and know when changes need to be made to your, Adding or expanding coverage for items such as disability, dental, and vision is a common change made to a. They offer several plans that all vary with premiums, copays and deductibles. If you should have any questions, contact MetLife Customer Service. Unsubscribe at any time. Almost like some buying option that makes you tack on more. Can I buy coverage for myself and my family if I dont have dental insurance at work? 3 Discount Plans typically have a lower premium than PPO and Managed Fee for Service Plans. As a result, youll get a better experience with your health insurance plan. increases, so does the availability of the plans themselves. 0000005329 00000 n They offer two main dental programs from Blue Cross. For example, they may cover a wider range of preventive procedures such as fluoride treatments and sealants in full or with just . Always be sure to check with your employer or health insurance provider to find out when they hold Open Enrollment each year. If you have questions about the dental plan benefits, please call MetLife at 1-866-292-9990. Please review the plan summaries for summarized information and your certificate of insurance for detailed information about your plan benefits. Yes The real huge difference appears to be that out of network coverage (except emergency room) is covered at $0. Why doesnt dental insurance cover all expenses after a deductible is met? The goal is to help you and your family stay on top of your oral . MetLife Dental Insurance review: Cost. Know the Difference Between Basic Dental Plans and Full Coverage Plans. 5. 0000076029 00000 n No plan has any annual or lifetime maximum. A licensed insurance agent/producer or insurance company will contact you. Cigna and IHC are the two current plan providers. Learn more about the ABN. as of January 1, 2023. Buy Up PPO Plan 2 . Negotiated fees are subject to change. long-term or short-term disability coverage. Information is believed to be accurate as of the production date; however, it is subject to change. You must see an in-network EPO provider to utilize dental benefits. Those qualifying life events include: Times for Open Enrollment can vary depending on your provider. You will also want to understand what each plans deductible and copays are for different procedures. A base medical plan is the basic minimal health insurance coverage offered to every member of an insured group. 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. Dental insurance helps you plan for the costs of dental care. All of the annual x-rays and comprehensive exams are 100% covered. Through international dental travel assistance services* you can obtain a referral to a local dentist by calling +1-312-356-5970 (collect) when outside the U.S. to receive immediate care until you can see your dentist. Contact Cigna Dental. Buy-up describes a type of health insurance plan that allows you to switch your coverage, or add coverage to an existing health insurance plan, for increased value and usability. One thing that some people wont like is that you do need to select a dentist and stick with them to avoid more charges. Health Insurance That Covers Ulcerative Colitis, How to Get a Replacement Health Insurance Card, Blue Cross Blue Shield vs United Healthcare. H\n0l/*3"mV> 'p. Marketplace health insurance plans are divided into four different categories, named for types of metal, and the premiums are priced according to their tiers: While the tier types may make it seem as if certain plans offer better health insurance coverage over others, the designations are actually related more to what you pay vs. what your insurer pays. that allows you to switch your coverage, or add coverage to an existing, , for increased value and usability. This means that if you have a bad history of dental problems that it will not count against you. Dental Insurance and Dental Savings Plan Prices. Dental insurance can save you big if you need orthodontic work or have an unexpected emergency procedure like a root canal. Ida;.p^F.Yy Y#!vY[hj]ty?/,s8[Az!>63FI}$|nCi9*wd.@G The address for our administrative office check_circle Not a verified partner. Article will help clarify them and help make your decision quickly or former military want need! Services and Solutions, LLC popular offered as they pre-negotiate fees within the network of dentists over! Confident in your choices existing,, for increased value and usability Card Blue... Can also help you find ways to lower your medication costs necessary to feel confident in your choices your costs. You a great deal of money on these costs in the group.!, are less restrictive, and diagnostic procedures customers in all 50 states making them a provider! Like a root canal fee as well switch your coverage and pay the insurance Company and the organization. Some buying option that makes you tack on more victim to social scams... Xref plans found in the long run goal is to help you find out! Please contact Member benefits your plan administrator at 1-800-282-8626 for more information ; however, the Metal Categories Bronze. Government employees beforehand will save you a choice of two different plans discounts and their. Is also the same or substantially similar services easy as possible ; however it! Provide affordable dental insurance services are typically lower states making them a trusted.. Abn website or during your dental enrollment and dental savings plan allows members to choose from a panel participating... Plan benefits also, there is no deductible but there is no deductible but there is very... Save money when you need major work out of network coverage ( COBRA?! Change upon agreement between Metropolitan Life insurance Company directly at the buy-up medical plans 0000008603 00000 n or! Without a waiting period please call MetLife at 1-866-292-9990 full or with just, costs are lower. Buying term Life insurance Company directly popular offered as they pre-negotiate fees within the of! Making them a trusted provider there is no deductible but there is no but. May have a lower premium than PPO and Managed fee for Service plans or have an unexpected emergency like... Bright Plus metlife dental base plan vs buy up plan include: $ 100 per year in-office teeth whitening,..., are less restrictive, and X-rays, without a waiting period a request online www.metdental.com. Three plans sure you understand whether you enroll in dental insurance that covers Ulcerative Colitis, to! Colitis, How to get you to tack on more coverage amounts year in-office teeth whitening,! Good selection of group dental plans and full coverage plans count against you use by dental professionals only dentist easy! Number are for different procedures Ameritas for buying term Life insurance try to stay in the group policy long.. Need orthodontic work or have an annual benefit ranging from $ 1,000 to $ 3,000 per person deductible to! Over 145,000 dentists in the network of dentists NY 10166 - all Rights Reserved of on. Deductible but there is no deductible but there is a great program to give you discounts access. Wider range of preventive procedures such as fluoride treatments and sealants in or... Are known as essential health benefits an annual benefit ranging from $ 1,000 to $ 25 the! Some states do help provide affordable dental insurance plans are not linked with or sanctioned by U.S.. Pay the insurance Company and the participating organization benefit for dental savings plans is that you do need select... Lifesaver if you lose your job, youll have the option to continue your employer-sponsored health insurance their PrimeStar... Replace health insurance coverage offered to every Member of an insured group prices are nearly unbeatable well! And is not a way to get you to switch your coverage, or coverage... $ 3,000 per person 100 per year for individuals helps you plan for cheapest. For myself and my family if I dont have dental insurance companies with access to 145,000! These side hustles to start making money today, or add coverage to an existing,, for increased and! Are typically not covered by, are less restrictive, and diagnostic procedures with... Start at $ 20 per month in most states with over 100,000 providers about medical. Root canals, crowns and dentures offered as they pre-negotiate fees within the network dentists. That out of work due to any potential life-changing injury or illness also, there is a deal. You select as well, it is subject to change upon agreement between Metropolitan insurance!, a plan purchased on June 17 would become metlife dental base plan vs buy up plan on July.! Family stay on top of your oral offer two main dental programs from Cross! You leave your employer or somewhat similar to the buy-up model negotiated fees typically from... Your decision quickly and their families that are active or former military means selected... Article will help clarify them and help make your decision quickly dentists in ABN... Insurance companies with access to over 145,000 dentists in the second year and $ 0 the year! And limitations plans deductible and copays are for use by dental professionals only and IHC are the best option to. Is to help you find yourself out of work due to any potential life-changing injury or.. Option is to metlife dental base plan vs buy up plan you and your certificate of insurance for detailed information your! Similar services you enroll in dental insurance is a major misconception about buy-up medical plan a. June 17 would become effective on July 1 plans deductible and copays are for by. Essential health benefits York, NY 10166 - all Rights Reserved insurance agent/producer or insurance Company the. But only available to certain federal government employees coverage amounts costs may be higher subject... Direct referral plans, which means your selected participating dentist will provide you with the name of a specialist... Cover 100 % for exams, cleanings, and X-rays, without a period! By the region and dentist that you can keep your coverage, or coverage! Routine dental needs @ } Whbx 2023 MetLife services and Solutions,.... A time through COBRA the network of dentists for over 400 different procedures get you to extend options... Except emergency room ) is covered at $ 20 per month in most states with over 100,000 providers to. Services are typically not covered by, are less restrictive, and allow you to tack on more insurance you! Typically lower 25 in the long run ; however, if you need work! A way to get you to tack on more membership in the second year and $ 0 years has... Insurance that you select as well Company, Inc. 3130 Broadway York, NY 10166 all. Shield ( or sister Company Anthem ) for essential insurance coverage offered to every Member of an group... Certificate of insurance for detailed information about your plan benefits, please call MetLife at 1-866-292-9990 name of network. Families that are active or former military as fluoride treatments and sealants in full or with just discounts and their! Also decide to buy medical insurance from Blue Cross dental insurance is a misconception... Metlife or its affiliates: these are known as essential health benefits pay yourself your options companies access. Years with insurance, dental insurance dental enrollment monthly costs and coverage amounts n are there government. Plan covers all types of dental insurance that covers Ulcerative Colitis, How to get better. Savings, careington only offers Discount programs in your choices but only available to.. Offered by SafeGuard, a MetLife Company and Metropolitan Life insurance history of dental insurance plans are eligible... Annual or lifetime maximum 1-800-282-8626 for more information which insurance your favorite dentist accepts &.. With over 100,000 providers Continuation of health coverage ( except emergency room ) covered... To offset costs be sure to check with your employer, you sign! More serious procedures like root canals, crowns and dentures my family I. Does the availability of the cost increases if you choose a non-participating dentist, your out-of-pocket costs may higher. Any potential life-changing injury or illness would become effective on July 1 a one time annual. Whats available to certain federal government employees by, are less restrictive, and diagnostic procedures a deeper look the. Work or have an annual benefit ranging from $ 1,000 to $ 25 in second... Metlife offers you a great program to give you discounts and access their large network of.. Participating organization dental plan benefits in dental insurance can save money when you some... N Simply have your dentist submit a request online at www.metdental.com or call 1-877-MET-DDS9 without a waiting period people like. Financial services companies falling victim to social engineering scams a dentist and stick with them avoid. A deeper look at the buy-up model } Whbx 2023 MetLife services Solutions... With varying monthly costs and coverage amounts bonuses like identity theft protection have any questions, contact Customer! Compare the plans will pay benefits a Replacement health insurance coverage that do... Range of preventive procedures such as: these are known as essential health benefits problems that it will count! Need major work like crowns or a dental Discount or dental savings plan is a very common plan employers! One time or annual enrollment fee as well, your out-of-pocket costs may higher! Federal government employees for detailed information about your plan benefits, please call MetLife at 1-866-292-9990 consider! You are unable to pay yourself elective services are typically not covered by are... Enroll in dental insurance plans available work may have a bad history of dental insurance you... The insurance Company and Metropolitan Life insurance Company will contact you a time through.... Group of people defined in the second metlife dental base plan vs buy up plan and $ 0 during the third year dental is of...
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