Stay in the network and save!
When you visit a general dentist or a specialist who is in the network, your out-of-pocket costs are usually lower. That’s because participating dentists have agreed to accept negotiated fees that are usually 30-45% less than the average charges in the same community.1 Lower fees can help you cut your final costs and stretch your annual maximums.
You can view your potential savings on in-network vs. out-of-network fees by using the Dental Procedure Tool 2 located on metlife.com/mybenefits. Take a look at the dental savings example below which shows you how much you could save by going to an in-network specialist.
Specialist average charge3 in the New York, NY area for an implant specialty service is $1,700 – $2,100.
|MetLife Negotiated Fee||$1,459||NA|
(based on 50% coinsurance amount for this type of service)
|$729.50||$850 – $1,050|
|Your Out-of-Pocket Cost5||$729.50||$850 – $1,050|
The chart above is a typical example of average in-network savings. Your savings may differ.
Approximate savings from visiting a participating dentist: $120.50 – $329.505
Your savings is the difference between the in-network out-of-pocket cost and the out-of-network out-of-pocket cost.
The chart above is a typical example of average in-network where your savings may differ. It shows that you usually save more when you stay in the network. This example assumes that any deductibles have been met and the annual maximum benefit has not been reached. So the next time you need dental care, find out what your plan covers and what you could save by going to a participating general dentist or specialist.
To check your coverage or find a general dentist or specialist, log in to metlife.com/mybenefits or call 888-309-5526. You can also ask your dentist to recommend a network specialist in your community.
Best of all, participating dentists and specialists have undergone a careful selection process.6