2020 Open Enrollment - Dental

3 - New Plan - I need to enroll to have coverage in 2020. Which plan should I choose?

 

NEW FOR 2020: METLIFE DENTAL INSURANCE

Ameritas dental coverage ends December 31, 2019. If you want dental coverage for yourself and your dependents in 2020, you'll need to enroll now in one of our new MetLife plans. 

 

MetLife Dental Overview

Faculty and staff have two  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. Vision care benefit is now a separate plan.

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

For a detailed overview of MetLife's dental coverage, including limitations, exclusions, and orthodontia coverage information, please refer to the MetLife 2020 Endowed Dental Benefit Guide.

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

 

1 - Who? 2 - Which Plan? 3 - Dental?

4 Vision?

5 Spending Account?

6 Legal?

Open Enrollment for 2020: November 1 - December 2, 2019

We encourage you to use the Workday Decision Enrollment Guide before going into Workday.