Yes, MetLife's VADIP High Plan offers Orthodontia to children under the age of 19. Please note that there is 24 month waiting period for Orthodontia services.
With the MetLife VADIP you receive a wide range of benefits if you and/or each eligible dependent visit an in-network dentist or choose to see an out-of-network dentist. In addition, referrals are not necessary for specialty care. When you visit an in-network dentist, you have the opportunity to make the most of your benefit plan because your out-of-pocket expenses may be lower.
Once you enroll in the VADIP dental program offered by MetLife, you and your eligible dependents must remain in the plan for a period of 12 months. When the 12-month mandatory enrollment period has been completed, and you wish to continue to be covered, you do not have to take any action. If you do not wish to continue with VADIP, you will need to contact MetLife to request cancellation. You can also contact MetLife to make changes to your coverage. If you change your address or move, please make sure to contact MetLife to let us know what your new address is.
The rates quoted at the time of enrollment are valid until the end of the calendar year, unless otherwise specified.
No. You and your dependents each have the freedom to choose any dentist, in or out-of-network, at any time.
The services covered by the VADIP Plan are those defined under your group dental benefits plan located in the Plan Benefits section of this site.
MetLife recommends that you have your dentist submit a request for a pretreatment estimate for services in excess of $300. This often applies to services such as crowns, bridges, inlays, and periodontics. A pretreatment estimate of what services your plan will pay and at what payment level will be sent to you and your dentist. In addition, you can use the Procedure Fee Tool within MyBenefits to view MetLife procedure costs in a zip code area. Once you register, the Procedure Fee Tool is available within the Quick Links on the right hand side of the page or from the Tools and Resources tab.
Your coverage will be effective on the first day of the month following the month of your enrollment.
A Graduated Maximum is a feature of the plan that encourages participation in the plan by increasing your Annual Maximum by $500 (in the high plan option) or $200 (in the standard plan option), effective on January 1st, following the completion of 12 months of enrollment in your selected plan.
Yes. You are always free to select the dentist of your choice. However, if you choose a dentist who does not participate in MetLife's Network, your out-of-pocket expenses may be higher, since you will be responsible for any difference between the dentist's fee and your plan's payment.
Like most group accident and health insurance plans, the MetLife VADIP Dental plan contains certain exclusions and limitations. Please download the plan summary to access these and other coverage details.