Quick Comparison MetLife Dental Plan and Direct Reimbursement (DR) Dental Plan
This is a general overview of plan features. Please refer to the policy for actual terms and conditions.
What are my dental plan choices?
What is the deductible?
What is the annual maximum
benefit?
What is the lifetime maximum
benefit for Orthodontia?
Will my dentist accept this Plan?
What are the “in-network”
benefits for this Plan?
What are the “out-of-network”
benefits for this Plan?
Can I use Flexible Spending
Account (FSA) dollars to reimburse
myself for out-of-pocket dental
expenses?
Can I use Health Savings Account
(HSA) dollars to reimburse myself
for out-of-pocket dental
expenses?
MetLife Dental Plan
This is a managed care plan.
$50 per individual; $150 per family
$2,000 per person
Direct Reimbursement (DR) Dental Plan
This is a direct reimbursement plan.
The DR Dental Plan will pay the first $200 of
dental expenses. Additional expenses are shared
50:50 by the member and the plan, up to the
annual maximum benefit of $1,500 per enrolled
member per year.
$1,500 per person
$1,500 per person
$1,000 per person
This Plan does have a provider network. You will
need to contact your dentist to find out if they
are in-network.
Yes. The “in-network” benefits are based on the
negotiated fees. The coinsurance percentage
may vary depending on the service you receive.
Cleanings and oral exams are covered at 100%.
Fillings are covered at 80%. Bridges and dentures
are covered at 50%. Orthodontia is covered at
50%.
Yes. The “out-of-network” benefits are based on
the reasonable and customary (R&C) charge. The
coinsurance percentage may vary depending on
the service you receive. Cleanings and oral
exams are covered at 100%. Fillings are covered
at 80%. Bridges and dentures are covered at
50%. Orthodontia is covered at 50%.
Yes. There is not a network. All dentists will
accept this Plan.
The DR Dental Plan will pay the first $200 of
dental expenses. Additional expenses are shared
50:50 by the member and the plan, up to the
annual maximum benefit of $1,500 per enrolled
member per year.
The DR Dental Plan will pay the first $200 of
dental expenses. Additional expenses are shared
50:50 by the member and the plan, up to the
annual maximum benefit of $1,500 per enrolled
member per year.
YES
YES
YES
YES