Endowed Dental Plans

smiling man with beardEndowed 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.

Questions?  Call MetLife at 800-942-0854

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 - effective January 1, 2020) as well as view claims and coverage details. Although you do not need to present an ID card to confirm that you are eligible to your dentist, 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.

Participating Dentist

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

 

Plan Comparison

Services

Dental Standard

      In-Network:
% paid of negotiated fee

      Out-of-Network:
% paid of R&C fee

Dental Plus

       In-Network:
% paid of negotiated fee

       Out-of-Network:
% paid of R&C fee

Calendar-Year Deductible – Applies to Basic and Major Restorative Services

 Individual

Family

 

 INDIV:  $0 In-Network,

 $50 Out-of-Network, Type B & C

 

FAMILY:  $0 In-Network,

$150 Out-of-Network, Type B & C

INDIV:  $50 In-Network and Out-of-Network,

Type B & C

 

FAMILY:  $150 In-Network and Out-of-Network,

Type B & C

Calendar-Year Maximum Benefit

$1,250/per member

$5,000/per member

Child Orthodontia

Covered Services

 In-Network: 50% 

 Out-of-Network: 50%

 In-Network: 50% 

 Out-of-Network: 50%

Adult Orthodontia

Covered Services

 

 Service is not covered under this plan

 In-Network: 50% 

 Out-of-Network: 50%

Child Orthodontia

Lifetime Maximum

$1,000/per member

$2,000/per member

Adult Orthodontia

Lifetime Maximum

Service is not covered under this plan

$2,000/per member

Type A: Preventive & Diagnostic Services

(cleanings, exams, X-rays)

In-Network: 100% 

Out-of-Network: 90%

In-Network: 100% 

 Out-of-Network: 100%

Type B: Basic Restorative Services

(fillings, extractions)

In-Network: 90% 

Out-of-Network: 70%

In-Network: 90% 

Out-of-Network: 90%

Type C: Major Restorative Services

(crowns, root canal, bridges)

In-Network: 50% 

Out-of-Network: 50%

In-Network: 50% 

Out-of-Network: 50%

Rates 

 

Dental Standard

Dental Plus

Rates

Monthly

24 Pay Periods

26 Pay Periods

Monthly

24 Pay Periods

26 Pay Periods

Employee Only (EE)

$25.56

$12.78

$11.80

$41.48

$20.74

$19.14

EE + Spouse/

Domestic Partner

$52.34

$26.17

$24.16

$83.95

$41.98

$38.75

EE + Children

$61.22

$30.61

$28.26

$95.79

$47.90

$44.21

EE + Family

$85.50

$42.75

$39.46

$135.28

$67.64

$62.44

 

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 7, 2020 and submit a MetLife enrollment form to change from individual to family coverage dated May 20, 2020, the effective date of change of coverage is April 9, 2020 and the deduction date is April 9, 2020 (the first day of the pay period following the qualifying event).

Semimonthly qualifying event example: if you are married on April 5, 2020 and submit a MetLife enrollment form to change from individual to family coverage dated May 20, 2020, the effective date of change of coverage is April 16, 2020 and the deduction date is April 16, 2020 (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 29, 2020, the last day of actual coverage is July 1, 2020. Semimonthly termination example: if your last day of work is June 29, 2020, the last day of actual coverage is June 30, 2020.

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.