Dental
You have two Dental plan options through MetLife—the Core Plan and the Buy-Up Plan.
MetLife Core Plan
This plan provides dental services at a percentage of the cost, after you meet the deductible. You will pay less when you use an in-network dental provider. The plan covers Preventive Care at 100%. Benefits are also paid for Basic Services (oral surgery and periodontics) and Prosthodontics (for example, bridgework) up to an annual maximum of $1,000. No benefits are paid for orthodontics.
MetLife Buy-Up Plan
This plan also pays benefits equal to a percentage of the cost, after you meet the deductible. Preventive Care is covered at 100%.The Buy-Up Plan covers all the same benefits as the Core Plan, plus coverage for implants. Annual maximum coverage is $1,500 compared to the $1,000 coverage maximum in the Core Plan. It also covers orthodontia for both adults and children.
Dental ID Cards
MetLife does not issue paper ID Cards for dental insurance. Download the MetLife App from the App Store or visit metlife.com/mybenefits to view your ID Cards virtually.
What’s Covered
Below is a quick summary of your in-network benefits under both plans.
| Core Plan | Buy-Up Plan | |
|---|---|---|
| In-Network | In-Network | |
| Annual Deductible (Individual/Family) | $50/$150 | $50/$150 |
| Annual Maximum (Per Person) | $1,000 | $1,500 |
| Preventive Care | 100%* | 100%* |
| Basic Services (Oral Surgery and Periodontics Services) | 80%, after deductible* | 80%, after deductible* |
| Prosthodontics | 50%, after deductible* | 50%, after deductible* |
| Orthodontia (Adults and Children up to age 26) | Not Covered | 50%, after deductible* |
| Orthodontia Lifetime Maximum (Per Person) | Not Applicable | $1,500 |
* Usual, Reasonable and Customary Charges will only be applied to out-of-network procedures.