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2014 Plan Benefits

With the VADIP you have a choice of two plan options - Standard and High. Both options cover a broad range of important dental services. Please review the plan details below to help you decide option that best fits your needs.


COVERAGE TYPE
  Standard Option High Option
  IN NETWORK OUT OF NETWORK IN NETWORK OUT OF NETWORK

BASIC – Class A
cleanings, X-rays and oral examinations

100%

60%

100%

90%

INTERMEDIATE- Class B
fillings and periodontal maintenance

50%

40%

70%

60%

MAJOR – Class C
crowns, bridges, root canal treatment and dentures

30%

20%

50%

40%

ORTHODONTIA – Class D
comprehensive orthodontic treatment, fixed appliance

Not Covered

Not Covered

50%

50%

Maximums and Deductibles

Annual Maximum Per Person

$1,300

$1,000

$3,000

$3,000

Dependent Child Ortho Lifetime Maximum Per Person

Not Covered

Not Covered

$3,000

$3,000

Annual Deductible Per Person

(Applies to Basic, Intermediate and Major Services)

$50.00

$50.00

$0.00

$50.00

Orthodontia coverage is available for Dependents up to age 19 who are enrolled in the High Option. The Dependent must be covered under the High option for 24 consecutive months before benefits will be covered.

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View Your Rates

Please view the MetLife VADIP Plan Summary to view the covered services, exclusions and limitations.

IN-NETWORK

The negotiated fee1 with participating dentists, which are typically 15% to 45% less than average dental charges in the same community. Negotiated fees1 apply to services covered by the plan, as well as those your dental plan does not cover or those received after you’ve reached your annual plan maximum as permitted by State law.

OUT-OF-NETWORK

A fee set by each individual dentist, which is typically higher than the negotiated fee. You will be responsible for the difference between your dentist’s charge and the covered percentage of the Usual and Customary Fee2 for a given service.3

What will your dentist charge you? A fee set by each individual dentist, which is typically higher than the negotiated fee. You will be responsible for the difference between your dentist’s charge and the covered percentage of the Usual and Customary Fee2 for a given service.3

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.

Negotiated fees refer to the fees that participating dentists have agreed to accept as payment  in full, for services rendered by them.  Negotiated fees are subject to change.
U&C Fee refers to the Usual and Customary (U&C) charge, which is based on the lowest of (1) The dentist’s actual charge, (2) The dentist’s usual charge for the same or similar services, or (3) The charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.
Subject to any deductibles, cost sharing, benefit maximum and terms of the plan.       
4 The person receiving services must be covered under the same Plan Option for the entire waiting period.     

1. Go to MyBenefits
2. Call 1-888-310-1681

TDD: 888-671-4265
Monday - Friday 8am-11pm EST

Already Enrolled? View your benefits on MyBenefits.


 
 
 
 
 

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Last updated on 2/12/09. For Broker/Dealer Use only. Not for Public Distribution.