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