Local ID cards

If you’re assigned to certain areas of the world, you may also receive a second, local ID card – either to enhance your experience in your work country or for compliance reasons. The local ID card should be shown at your doctor’s office when seeking care at a direct pay provider when in that region. Use your Global ID card for any services outside of that region, like your home country or if you’re traveling.

The following areas may receive a second ID card. Ask Customer Service for more information if you are in one of these areas and haven’t received a local ID card yet.
  • Abu Dhabi
  • Australia
  • Brazil
  • Canada
  • Dubai & the UAE
  • Egypt
  • Gulf (Oman, Bahrain, Kuwait, Qatar)
  • Hong Kong
  • U.S.
  • U.K.
  • Saudi Arabia1

Care in the US

To check if you have access to care in the US, please refer to your ID card or your Schedule of Benefits. If you do have care, read more about how our network works below.

Finding an in-network doctor

To search for a Provider, login to eBenefits and click the “Find Provider” tab. Then click the “Or, Find US Providers” link. This will take you to the US network search where you can search for an in-network provider for the greatest level of coverage and least out of pocket costs to you. You may utilize any medical provider for your care. 

For claim submission, please instruct your provider to call 1-866-217-5631 to obtain benefit information. This number is also located on the back of your ID card. After calling, your provider will be instructed on how to submit a claim directly.

Using an out-of-network doctor

If you choose to visit an out-of-network doctor, then MetLife’s US team will handle your claim processing.

Instruct your provider to call 1-866-217- 5631 to obtain benefit information. This number is also located on the back of your ID card. After calling, your provider will be instructed on how to submit a claim. The instructions are also located on the back of your ID card.

If the provider does not submit the claim on your behalf, you may need to pay for services out-of-pocket and submit a claim. Claims can be submitted online via eBenefits at eBenefits.metlife.com.

Claims can also be submitted via Claim form along with receipts to: Luminare Health, P.O. Box 25946, Overland Park, KS 66225-5946.

Accessing dental or vision care in the US

You have the ability to seek care from any licensed dental and vision care provider that you choose. There are no networks to consider. Claims will be paid based on the usual, customary and reasonable rate for that service, and reimbursement will be issued based on your plan provisions.

Seek care from your chosen Dental or Vision Provider. Instruct your provider to call 1-866-217-5631 to obtain benefit and billing information. This number is also located on the back of your ID card. If the provider is willing to submit the claims on your behalf, you will only be responsible for any applicable deductible, coinsurance and/or copayment at the time of service. If the provider does not submit the claim on your behalf, you may need to pay for services out-of-pocket and submit a claim form along with receipts to: Luminare Health, P.O. Box 25946, Overland Park, KS 66225-5946.

Claims can also be submitted online via eBenefits at eBenefits.metlife.com.

Care in Canada

If you are a Canadian citizen or you are on assignment in Canada, you have access to our enhanced direct pay network. Read more about your experience below.

Enhanced direct pay network and more

To provide you and your dependents the best direct pay experience while in Canada, we have established a relationship with Cowan Insurance Group Ltd., a leading health and dental insurance provider in Canada. Read more about the advantages of our relationship below.

Learn More

1 Please note, local plan requires 10 employees minimum

MetLife’s worldwide benefits products are underwritten by Delaware American Life Insurance Company, a MetLife affiliate domiciled at 600 North King Street, Wilmington, DE 19801, and other affiliates. 

Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife representative for costs and complete details.