Benefits Dental Insurance
Group #304089
PDP Plus Network
1-800-942-0854
Plan Comparisons
MetLife | ||||
Benefit Summary | Freedom Dental | Preferred PDP | ||
Coverage Type | In-Network | Out-of-Network | In-Network | Out-of-Network |
Type A - Preventive | 100% | 100% | 100% of PDP Fee | 90% |
Type B - Basic Restorative | 75% of PDP Fee | 75% | 75% of PDP Fee | 65% |
Type C - Major Restorative | 70% of PDP Fee | 70% | 70% of PDP Fee | 60% |
Type D - Orthodontic | 50% of PDP Fee | 50% | 50% of PDP Fee | 50% |
Deductible | In-Network | Out-of-Network | In-Network | Out-of-Network |
Associate Only | $50 | $50 | $50 | $50 |
Associate Plus | $100 | $100 | $100 | $100 |
Annual Maximum | In-Network | Out-of-Network | In-Network | Out-of-Network |
Per Person | $2,500 | $2,000 | $2,500 | $2,000 |
Orthodontic Lifetime Maximum | In-Network | Out-of-Network | In-Network | Out-of-Network |
Per Person | $2,000 | $2,000 | $2,000 | $2,000 |
Benefits based on the PDP Fee, the fees participating dentists have agreed to accept as payment in full. Out-of-network providers have the right to bill for charges over the PDP Fee.
Benefits based on the research of a dentist’s usual, actual and community average charge as determined by MetLife.
Tools
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No ID Cards
An ID card isn’t required to receive services. Notify your dentist office that MetLife is your dental provider when scheduling an appointment. If you would like an ID card, log on to MetLife.com/mybenefits or the MetLife app to access.
How are the two plans different?
Freedom Dental gives you the opportunity to visit an in or out-of-network provider and receive the same benefit percentage. This plan is ideal if you know you will be visiting an out-of-network provider during the year.
Preferred PDP has a lower benefit percentage out-of-network. This plan is ideal if you plan on using in-network providers. If you you choose this plan, you will receive the best benefit by visiting an in-network provider.
Regardless of which plan you choose, in-network providers have agreed to discounted charges for services, helping you save more money.