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At MetLife, protecting client information is a top priority.
There have been several news articles over the last few months detailing how customers of a number of financial services companies have fallen victim to social engineering scams. Scammers impersonate a trusted company to convince their targets into revealing or handing over sensitive information such as insurance, banking or login credentials. This scamming can happen via text, email or websites set up to look like the trusted company.
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FOR RETIREMENT PLAN PARTICIPANTS
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Dental Participant Tools
Dental Participant Tools
Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife or your plan administrator for costs and complete details.
What does dental insurance cover?
What your dental insurance covers depends on the plan you choose. Here are the types of coverage you may consider when shopping for a dental plan:
- Preventive dental care:Most dental plans cover you for certain preventive care at $0 cost. This often includes a dental exam and cleaning every six months, as well as certain types of mouth x-rays. There may also be coverage for sealants, fluoride, and more for children.
- Restorative care:This includes everything from fillings for cavities and tooth extractions, to root canals, crowns, bridges, dentures, and more. Treatments like these range from basic to major. The more complex and specialized your dental care, the more costly it may be. If you expect to need dental care that goes beyond your preventive dental exams, you may want to explore dental plans that offer you more coverage for restorative services like these.
- Orthodontic care:This area of dental specialization is focused on correcting teeth and bite alignment. If you or a family member expect to need this type of dental care, look for dental insurance that includes coverage for orthodontic services.
What is not covered by dental insurance?
This depends on the type of dental insurance plan you choose. For example, dental services like bridges, crowns, dentures, and root canals may not be covered if you only buy a preventive dental plan. Here are some kinds of dental treatments that may not be covered:
- Anything cosmetic, such as teeth whitening and veneers.
- Orthodontic appliances such as braces, removable teeth aligners, or retainers may not be included in all types of dental plans. If you are looking for dental insurance with orthodontic benefits, be sure you understand the details of any plan you’re considering. For example, there could be differences in coverage for the orthodontist’s services versus the coverage for the actual orthodontic appliances, like braces or retainers.
The key to making sure your dental plan covers certain types of treatment is to plan ahead for the dental care you and your family expect to need.
Dental Deductible, Copay, and Coinsurance
Here are the basic costs associated with most dental plans. You’ll want to make sure you understand them when choosing a plan:
- A dental deductibleis a set dollar amount you are required to pay before your dental plan starts to help pay. You will pay your dentist for any non-preventive dental care until you meet this plan deductible. Preventive dental care is covered 100% by most dental plans, so the deductible doesn’t apply to these plans.
- Dental copaysare fees you may have to pay when you visit a dentist. Usually you pay the copay at the time of the visit. It may count toward meeting your deductible.
- Coinsuranceis the term used to describe how you and your dental plan share costs, once you meet your deductible. In your dental plan details, coinsurance is often shown as a percentage of what you will pay versus what your plan will pay. For example, a coinsurance of 80%/20% means the plan pays 80% of the costs and you pay 20%.
What are the benefits of having dental insurance?
The benefits of dental insurance can include:
- Lower out-of-pocket costs for non-preventive dental care:Without dental insurance, you end up paying the full cost for dental treatments and procedures. Your insurance company negotiates with the dentists in its network to offer you lower costs. This is how a dental plan helps protect you from the high cost of dental care.
- $0 preventive dental care:Most dental plans cover you 100% for routine preventive dental care. These plans include a dental exam, cleaning, and some x-rays every six months. For children it may also include fluoride and other pediatric preventive dental care.
- Good dental health impacts other health, too:Good dental health can help you identify health problems before they become major. During your regular oral exam, your dentist not only cleans and polishes your teeth, but they also check your whole mouth, throat, and tongue for cancer and other potentially serious issues. Keeping teeth and gums healthy can also help avoid serious health problems like heart disease. For existing health problems, poor oral health can actually worsen things like diabetes and coronary artery disease1.