The Postdoc dental plan features:
100% coverage for preventative care, like exams and cleanings
80% coverage for procedures like fillings
65% coverage for more involved procedures, like crowns
TMJ coverage for mouth guards
Orthodontic for adults and coverage for children to age 26
$2250 calendar year maximum
Reimbursement for out-of-network benefits will be based on the 99th percentile of “reasonable and customary” charges (see description for details).
There is no deductible when you see an in-network dentist (a once per year deductible applies for out-of-network providers: $75 for individuals and an aggregate $225 for families.)
Please review the full description before utilizing the coverage.
Overview of the Plan
Please note: The dental plan operates on a calendar plan year. This means that your available benefit renews each January 1, as does your requirement to pay any relevant deductible.
Who can be covered?
Relevant Plan Documents
Eligible postdocs who are employed at least half-time, their dependent spouses, same and opposite sex domestic partners, and children up to age 26. No other family members are eligible for coverage under the plan.
Click here to register on MetLife's MyBenefits site where you can access your claims information and estimations of benefits. If asked for your employer group, it is UMass Postdoc Unit.
Click here for the MetLife Coordination of Benefits Policy.
Important to Note
It's important to ask your dentist for a pre-treatment estimate prior to having procedures beyond basic cleanings. That way, you'll know in advance exacty what portion of the costs your benefits will cover and what you wil be required to pay out of pocket.
Your MetLife plan renews on the calendar year, each January 1st. This means your calendar year maximum is available to you again in full at the first of each year. This also means your once per year deductible must be paid again once the calendar year begins anew.
The dental plan is free for eligible individuals. Family plans are available with a premium contribution. The Trust Fund subsidizes the cost of the single+1 and family plan to ensure the employee premiums are affordable.
single plan: FREE
single + 1 plan: (you + a spouse/partner or 1 child): $15.00/month
family plan: (you + multiple dependents): $30.00/month
Finding a Dentist
Using Benefits Out-of-Network
There are more than 158,000 participating PDP dentist access points nationwide, including 37,000 specialist.
You can search for a PDP Plus dentist in any zip code. When prompted, our network is PDP Plus.
Or visit www.metlife.com/mybenefits if you are registered on MyBenefits. You can also call 1-800-ASK-4MET (800-275-4638).
You should always confirm that your dentist or facility is participating in our network at the time you make your appointment.
While you maximize your benefits when seeing a MetLife dentist, you can still choose to go out-of-network. Reimbursement for your out-of-network benefits are based on the 99th percentile of “reasonable and customary” charges (see description for details).