Endowed Dental Plans

Contact MetLife

(800) 942-0854

www.metlife.com/cornell/   

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Endowed Dental Plans provided by MetLife

Faculty and staff have 2 MetLife plan choices:  Dental Standard and Dental Plus.  MetLife’s Preferred Dentist program allows you the flexibility to visit a provider in-network or out-of-network.  If you decide to see an in-network (participating) dentist, your benefit will be higher and you will pay less.  You can also see an out-of-network provider but you will receive a lesser benefit and pay more.

Dental I.D. Cards

You will receive an ID card in the mail following your enrollment.  You can print an ID card by registering on MyBenefits (metlife.com/my/benefits ) under "My Accounts," as well as view claims and coverage details. Although you do not need to present an ID card to confirm that you are eligible, you should let your dentist know that you are enrolled in the MetLife Preferred Dentist Program (PDP).  

Your dentist can also verify your coverage through an automated Computer Voice Response system by calling 1-877-MET-DDS9. The dentist will need to provide either your Cornell Employee ID number or Social Security Number to verify coverage.

Participating Dentist

To find a participating dentist visit  www.metlife.com/cornell/   or call 800-942-0854

 

2022/2023 Plan Comparison

 

 

Dental Standard

Dental Plus

Topic/Service

In-Network¹

Out-of-Network²

In-Network¹

Out-of-Network²

Deductible

No deductible

for Type A, B & C

No deductible for Type A,

$50 per member

deductible per calendar

year for Type B & C,

$150 (3 individual $50)

family deductible* per

calendar year for

Type B & C

No deductible for Type A,

$50 per member deductible per calendar

year for Type B & C,

$150 (3 individual $50) family deductible*

per calendar year for Type B & C

Annual Maximum Benefit**

$1,250/per person

$5,000/per person

Orthodontia Lifetime Maximum Benefit³

50% of the estimated cost up to $1,000/per child 

(child only through age 18)

50% of the estimated cost up to $2,000/per person

(you, spouse/domestic partner, child through age 18)

Preventive Plus

Type A services will not reduce available maximum

Type A services will not reduce available maximum

 

Type A: Preventive & Diagnostic Services

 

Dental Standard

Dental Plus

Topic/Service

In-Network¹

Out-of-Network²

In-Network¹

Out-of-Network²

Plan Benefit

100% of Negotiated Fee¹

90% of R&C⁴

100% of Negotiated Fee¹

100% of R&C⁴

Exams

4 per year

4 per year

Bitewings

2 per year

2 per year

Full Mouth/Panoramic Xray

1 per 3 years

1 per 3 years

Cleanings

4 per year

4 per year

Fluoride

2 every year; through age 18

2 every year; through age 18

Sealants

Through age 16

Through age 16

Space Maintainers

1 per lifetime per area of the mouth

1 per lifetime per area of the mouth

 

Type B: Basic Restorative Services

 

Dental Standard

Dental Plus

Topic/Service

In-Network¹

Out-of-Network²

In-Network¹

Out-of-Network²

Plan Benefit

90% of Negotiated Fee¹

70% of R&C⁴

90% of Negotiated Fee¹

90% of R&C⁴

Fillings

Resin or white fillings considered on all teeth

Resin or white fillings considered on all teeth

Surgical Extractions

Extractions, impacted teeth, alveolar orgingival reconstruction, cysts, and neoplasms

Extractions, impacted teeth, alveolar orgingival reconstruction, cysts, and neoplasms

Anesthesia

In connection with oral surgery, extractions or other covered services determined necessary

In connection with oral surgery, extractions or other covered services determined necessary

Occlusal

Night guards are covered

Night guards are covered

 

Type C: Major Restorative Services

 

Dental Standard

Dental Plus

Topic/Service

In-Network¹

Out-of-Network²

In-Network¹

Out-of-Network²

Plan Benefit

50% of Negotiated Fee¹

50% of R&C⁴

50% of Negotiated Fee¹

50% of R&C⁴

Endodontics

Root canal

Root canal

Periodontics

Root planing, gingivectomy

Root planing, gingivectomy

Crowns

1 crown per tooth every 5 years

1 crown per tooth every 5 years

Bridges; Dentures

1 per 5 years

1 per 5 years

Implants

1 implant per tooth every 5 years

1 implant per tooth every 5 years

 

Orthodontic Service Starting Prior to MetLife: For more information, please see page 5 of the 2023 Endowed Dental Benefit Guide for Cornell University

Rates 

2023 Rates

 

Dental Standard

Dental Plus

 

24 Pay Periods

26 Pay Periods

24 Pay Periods

26 Pay Periods

Employee Only (EE)

$13.58

$12.54

$22.05

$20.35

EE + Spouse/

Domestic Partner

$27.82

$25.68

$44.62

$41.18

EE + Child(ren)

$32.54

$30.03

$50.91

$46.99

EE + Spouse/Domestic Partner plus child(ren)

(formerly "family" coverage)

$45.44

$41.94

$71.90

$66.36

2022 Rates

 

Dental Standard

Dental Plus

 

24 Pay Periods

26 Pay Periods

24 Pay Periods

26 Pay Periods

Employee Only (EE)

$13.29

 

$12.27

$21.57

$19.91

EE + Spouse/

Domestic Partner

$27.22

$25.12

$43.66

$40.30

EE + Child(ren)

$31.84

$29.39

$49.81

$45.98

EE + Spouse/Domestic Partner plus child(ren)

(formerly "family" coverage)

$44.46

$41.04

$70.35

$64.93

 

Forms

Tools and Resources

Eligibility

Regular employees who work at least 20 hours per week, or 50% FTE (full time employment) for salaried employees for a period of 6 months or more, and who are included in payroll/benefit classifications designated by Cornell are eligible to apply for coverage under Cornell’s Dental and Vision Plans. Your spouse (or domestic partner) and children are eligible. Children may be covered through December 31 of the year in which their 26th birthday occurs. New employees have 60 days from the date of hire to enroll.  

New Hires

If your date of hire falls within a pay period, the effective date of coverage and the deduction date is the first day of the pay period following your date of hire. If your hire date falls on the first day of a pay period, the effective date of coverage and the deduction date is the same as your date of hire.

Eligibility Changes in Coverage

If you experience a qualified event (i.e. marriage), you must enroll within 60 days. Once you enroll, unless you experience a change in family status, you cannot stop or change your election until the next annual open enrollment period. Changes in family status include but are not limited to, birth, marriage, divorce, termination, dependent death.

Qualifying Events

If you experience a qualifying event and make a change to your coverage that falls within a pay period, the effective date and deduction date is the first day of the pay period following the qualifying event. If the qualifying event falls on the first day of a pay period, the effective date and the deduction date is the date of the qualifying event.

Biweekly qualifying event example: if you are married on April 10, 2023 and submit a MetLife enrollment form to change from individual to family coverage dated May 20, 2023, the effective date of change of coverage is April 21, 2023 and the deduction date is April 21, 2023 (the first day of the pay period following the qualifying event).

Semimonthly qualifying event example: if you are married on April 5, 2023 and submit a MetLife enrollment form to change from individual to family coverage dated May 20, 2023, the effective date of change of coverage is April 16, 2023 and the deduction date is April 16, 2023 (the first day of the pay period following the qualifying event).

Terminations

You have coverage through the last day of the pay period in which you terminate employment. Biweekly termination example: if your last day of work is June 20, 2023, the last day of actual coverage is June 29, 2023. Semimonthly termination example: if your last day of work is June 20, 2023, the last day of actual coverage is June 30, 2023.

Effective Date of Coverage

Changes made during Open Enrollment will be effective January 1.  Outside of Open Enrollment, your benefits will become effective on the first day of the pay period after your date of hire or qualified event (i.e. marriage, divorce).  If your date of hire or qualified event is the first day of the pay period, your effective date is the date of hire/qualified event.