What This Plan Offers
- ✓Underwritten by MetLife
- ✓Immediate coverage for Preventive, Basic and Major* services
- ✓Increasing benefits over a 2 year period for Major services
- ✓Implant coverage available year 3
Starts at:
$59.00/mo
Product availability and exact pricing varies by state.
Plan Highlights
Get coverage for everyday dental care from day one, with increasing benefits for Major services as you stay enrolled.
Plan Limits & Details
Plan Maximum
$1,500 calendar year maximum, per insured person. Implant calendar year max (Inside Limit) — $750.
Waiting Periods
Preventive, Basic, Major* — none; Implants — 24 months.
Deductible
$50 per person / $150 per family calendar year deductible for Basic and Major services.
Starting at $59.00/mo
Product availability and prices vary by state.
Good fit if:
You want dental coverage that starts right away, offers dependable annual benefits, and helps you manage the cost of routine care and occasional dental procedures without overpaying for higher coverage.
Plan Details
Starts at:
$59.00/moProduct availability and exact pricing varies by state
| Service Type | Services | Coverage | Waiting Period |
|---|---|---|---|
| Preventive Care | |||
| Preventive Care | Exams (2 per 12 months) | 100% | None |
| Cleanings (2 per 12 months) | 100% | None | |
| Bitewing X-rays (1 per 12 months) | 100% | None | |
| Basic Services | |||
| Basic Services | Fillings (amalgam & composite) | 80% | None |
| Simple extractions | 80% | None | |
| Major Services | |||
| Major Services | Crowns | 10%–Year 1 50%–Year 2+ | None* |
| Root Canals | 10%–Year 1 50%–Year 2+ | None* | |
| Implants | |||
| Implants | Implant Services | 50%–Year 3+ | 24 months |
| Not Covered | |||
| Not Covered | Orthodontia, whitening | N/A | N/A |
*In NY/CT: 12-month waiting period for Major Services for all Elite plans.
Additional Network Information:
In-network refers to benefits provided under this program for covered dental services that are provided by a participating dentist. Out-of-network benefits refer to benefits provided under this program for covered dental services that are not provided by a participating dentist.
If a Covered Service is performed by an In-Network Dentist, We will base the benefit on the Covered Percentage of the Negotiated Fee Schedule. If an In-Network Dentist performs a Covered Service, You will be responsible for paying:
- the Deductible; and
- any other part of the Negotiated Fee for which We do not pay benefits.
If a Covered Service is performed by an Out-of-Network Dentist, We will base the benefit on the Covered Percentage of the Schedule Amount. Out-of-Network Dentists may charge You more than the Schedule Amount. If an Out-of-Network Dentist performs a Covered Service, You will be responsible for paying:
- the Deductible;
- any other part of the Schedule Amount for which We do not pay benefits; and
- any amount in excess of the Schedule Amount charged by the Out-of-Network Dentist.
The Negotiated Fee Schedule for a covered service is the amount that in-network dentists have agreed to accept as payment in full for the covered service. Percentages shown are based on the Negotiated Fee Schedule, even when a covered service is provided by an out-of-network dentist, except in AK, NV, MA and MT. In these states, out-of-network percentages shown are based on a percentile of the reasonable and customary (R&C) charge. The R&C charge is based on the lowest of: (1) the dentist's actual charge for a covered service; (2) the dentist's usual charge for the same or similar service; or (3) the amount charged by most dentists in the same geographic area for the same or similar service as determined by MetLife.
This page provides a brief summary of benefits. For a complete listing of benefits, exclusions, and limitations, please refer to the certificate of coverage. In the event of discrepancies contained on this page, the benefits, terms, and conditions contained in the certificate documents shall govern.
Frequently Asked Questions
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