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Dental Insurance

The dental plan offers levels of coverage to meet your needs, from basic services all the way up to orthodonia, crowns, implants, and dentures.

All dental coverage options include preventative services covered at 100%, including teeth cleaning, certain routine x-rays, and checkups. See plan summaries for details.

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Benefit Features

Preventative services covered 100%, including teeth cleaning, routing x-rays, and checkups
Low $50 indiv/$150 family annual deductible
Basic services include fillings and non-surgical extractions
Adult orthodontia in Enhanced and Enhanced Platinum plans

Orthodontics covered 50% (up to the maximum) on the enhanced and enhanced platinum plans
Wide network of dentists to choose from
Major dental work such as implants, crown, root canals, bridges, and dentures included on all plans except preventative

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Here's a quick overview:

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Dental Coverage Level Details

ENHANCED PLATINUM

ENHANCED

CORE

PREVENTATIVE

Preventive Care

crown repair, root canal repair, gum therapy, fillings, routine non-surgical extractions

Basic
covered 80%

fillings, extractions, root canal, crown repair, gum therapy

fillings, routine nonsurgical extractions

fillings, routine nonsurgical extractions covered at 50%

Major
covered 50%

crowns, root canals, implants, bridges, dentures

crowns, root canals, implants, bridges, dentures, gum therapy

no coverage

Orthodontics

50% cvg | $2,000 max | incl adult ortho

no coverage

Yearly Maximum
benefit per person

$3,000

$1,500

$1,250

$1,000

Deductible
per calendar year

$50 individual | $150 family: family includes self, spouse, and child(ren) up to age 26

Not all coverage tiers are available in all geographic areas. See your enrollment portal for the specific plans available to you.
Bitewing x-rays are covered 100% 1x/year for adults and 2x/year for children as part of preventative care. Panoramic, comprehensive, or additional x-rays may incur additional cost.

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Answers To Your Questions

How do I receive dental care?

Simply select an in-network dentist according to your plan and call to make an appointment. In your Elevate by Nextep™ account, you can use single sign-in to your dental plan and view available providers.

When at the appointment, use the employee's social security number as the member ID. Regardless of which family member is receiving care, use the policy-holding employee's SSN.

Will I receive an ID card?

No ID card is needed for dental or vision plans. Simply use the employee's social security number as the member ID for any covered member when making your appointment.

If needed, you can also access and show an electronic ID card right from your Elevate by Nextep™ mobile app! To access the card in your app, click Benefits. Tap the View Card button to pull up your ID card!

How do I find an in-network provider?

To locate an in-network provider, log in to your Elevate by Nextep™ account, go to Benefits, and click Dental. Or, call MetLife at 1-800-GET-MET8. Members should verify their providers are currently in MetLife's network when making appointments.

If you're not yet a member and would like to preview the thousands of in-network general dentists and specialists to choose from nationwide, look for a list of participating dentists online at metlife.com/dental.

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How do I get out-of-network care?

You are free to see any dentist, but we recommend choosing an in-network provider to save an average of 15–45% on covered services via negotiated in-network costs. Out-of-network dentists may charge more, though our plan still offers generous reimbursements for select out-of-network care.

To submit an out-of-pocket claim, just download a form or file it directly through your dental portal via the Elevate by Nextep™ account or mobile app.

Am I eligible?

Receipt of this info does not guarantee benefit eligibility. Different dental plan tiers may vary based on your goegraphical area, company's benefit portfolio, and eligibility criteria. Log in to your enrollment portal in your Elevate by Nextep™ account or mobile app to see the specific plans available to you.

How much does it cost?

When it's time to enroll, you can view pricing for all plan options right in your Elevate by Nextep™ account or mobile app. As you click through the enrollment screens, a running tally will track and display your monthly costs in real time.

Need help choosing? Use the built-in Decision Support tool to get tailored benefit recommendations based on your unique lifestyle and budget.

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