MetLife

• Two Kinds of Employer-Provided Dental Plans
• Additional Insurance Available

Two Kinds of Employer-Provided Dental Plans

MetLife offers two kinds of plans to businesses: a Dental PPO Plan and a Dental HMO/Managed Care Plan.

The Dental HMO/Managed Care plans are available in California, Florida, New Jersey, New York, and Texas. HMO stands for Health Maintenance Organization. With these plans, members do not have deductibles or claims forms. Members must choose a network-participating dentist when they enroll.

The PPO (Preferred Provider Organization) plans allow members more freedom when choosing a dental care provider. They can see an in- or out-of-network dentist, though great discounts are available with in-network providers.

Additional Insurance Available

MetLife offers other kinds of insurance coverage and services that employers can include in their benefits package:

• Group Accident and Health Insurance
• Group Disability Insurance
• Group Vision Insurance
• Group Life Insurance
• Auto and Home Group Insurance Program
• Group Legal Services

Independent buyers can also purchase the following from MetLife:

• Homeowners Insurance
• Condo Insurance
• Renters Insurance
• Insurance for Landlords
• Vision Insurance
• Auto Insurance

• One Kind of Dental Plan for Independent Buyers
• Waiting Periods

One Kind of Dental Plan for Independent Buyers

MetLife only offers one kind of dental plan for independent buyers called MetLife TakeAlong Dental^SM. This offering is a PPO and comes with three options:

• High Option Benefit
• Medium Option Benefit
• Low Option Benefit

In addition to dental discounts, the MetLife TakeAlong Dental^SM plan includes cost-sharing.

The Low Option Benefit offers 100 percent of treatment costs for preventive care, like cleanings and dental checkups, in- and out-of-network, 70 percent coverage for basic restorative care in- and out-of-network, and 50 percent of major restorative care in- and out-of-network. The maximum benefit for this plan is $1000 per person and has a $75 (individual) or $225 (family) deductible.

The Medium Option Benefit has the same covered services as the Low Option Benefit. The maximum benefit is $1500 per person. The deductible is $50 (individual) and $150 (family).

The High Option Benefit has the same benefit as the Medium Option Benefit, except basic restorative services are covered at 80 percent in- and out-of-network. The High Option Benefit also includes 50 percent coverage for child orthodontia with a lifetime maximum benefit of $1000 per person. The maximum benefit for the year is $2000 per person. The deductible is $25 (individual) and $75 (family).

Interested customers should contact MetLife directly for premium cost information to get a better sense of how much they will pay for a dental insurance policy.

Waiting Periods

All MetLife TakeAlong Dental^SM options come with a six month waiting period for basic services and a year waiting period of major and orthodontic services.