MetLife 2-9 Dental

Dental benefits that fit.

At MetLife, we applied our expertise and industry-leading experience to deliver dental benefit plans for the specialized needs of employers with two to nine employees.

The MetLife Preferred Dentist Program (PDP), our dental preferred provider organization (DPPO), helps lower¹ benefit plan costs through aligning with the latest market trends, dental research and treatment protocols as well as negotiated fees, rigorous selection and retention, and a benefits delivery platform that delivers consistent and accurate payments.

• More than 160,000 participating DPPO network dentist access points nationwide
• Negotiated network dental fees are typically 15-45% below community-average charges²
• In 2011, 90.13% of all dental claims were processed within five business days, 98.90% within 10 business days - with 99.90% payment accuracy³
• No waiting period for dental benefits on certain services for groups with no prior dental coverage. ⁴
• VisionSavings Eyecare Program⁵ offers employees discounts on vision care services and laser vision correction surgery (including LASIK and PRK procedures).

Managed Dental Plans, including Dental HMO (DHMO) plans in California, Florida, New Jersey and Texas and Dental Managed Care plans in New York. Employer groups with two to nine employees in these states also have the option to select a stand-alone Dental HMO/Managed Care benefits plan.

Our MET Series of Dental HMO/Managed Care plans are designed to align with the latest market trends, dental research and treatment protocols and they do more to simplify and clarify dental benefits – making it easier for employees and dental offices to understand what’s covered.

• More than 400 covered procedures⁶ — includes co-pays for services such as implants, veneers, white fillings, IV sedation, general anesthesia and nitrous oxide
• Expanded preventative and diagnostic benefits — providing co-pays for procedures such as brush biopsies and additional cleanings when appropriate
• Defined fees for materials and procedures requiring multiple services (e.g., root canals, crowns and bridges) – minimizing fee confusion
• More than 18,400 participating network dentist access points, including more than 8,800 in California, 5,300 in Florida, 950 in New Jersey, 680 in New York and 2,600 in Texas

1. As compared to non-network dental benefit programs
2. Savings from enrolling in the MetLife PDP will depend on various factors, including how often participants visit the dentist and the cost for services rendered.
3. MetLife data as of year-end 2011.
4. Plan provisions regarding eligibility and late entrants apply.
5. The VisionSavings Eyecare Program is offered through EyeMed Vision Care, Mason, Ohio. EyeMed Vision Care is not affliliated with Metropolitan Life Insurance Company and its affiliates.
6. Co-payments apply for many covered procedures and vary by procedure.
7. Deductible waived for diagnostic and preventive services for plan 1 and 2. Plan number 2 is not available in Mississippi and Texas.
8. Groups with no prior dental coverage or without acceptable evidence of prior dental coverage can only choose plan 3.
9. Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonable & Customary charge is based on the lowest of (1) the dentist's actual charge, (2) the dentists usual charge for the same or similar services or (3) the charge of most dentists of similar training and experience in the same geographical area for the same or similar services as determined by MetLife.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.

Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166.

Dental Managed Care plan benefits are provided by Metropolitan Life Insurance Company, a New York corporaton, in NY. Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc. a California corporation, in CA; SafeGuard Health Plans, Inc. a Florida corporation, in FL; SafeGuard Health Plans, Inc., a Texas corporation, in TX; and MetLife Health Plans, Inc., a Delaware corporation, and Metropolitan Life Insurance Company, a New York corporation, in NJ. The Dental HMO/Managed Care companies are part of the MetLife family of companies. "DHMO" is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: "Specialized Health Care Service Plans" in California; "Prepaid Limited Health Service Organizations" as described in Chapter 636 of the Florida statutes in Florida; "Single Service Health Maintenance Organizations" in Texas; and "Dental Plan Organizations" as described in the Dental Plan Organization Act in New Jersey.