2023 Open Enrollment - Dental

3 -Which plan should I choose?

 

You have two plans to choose from.

 

  • Take a look at a side-by-side comparison of costs and benefits under the "Plan Comparison" tab below.

Check out Benefair to get answers from providers and Cornell benefits experts about dental 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.

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 chart below.

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

 

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

 

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

4 Vision?

5 Spending Account?

6 Legal?

Open Enrollment for 2023: November 1 - November 21, 2022

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