Endowed Dental Plans

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Your choice between two MetLife plans - 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.

Tools & Resources

Contact MetLife Dental

800-942-0854; provide Cornell Employee ID when prompted

Service Center Hours: M-F 8:00 am to 11:00 pm

MetLife Endowed Dental Insurance:

Find a provider, plan details, resources, and FAQs.

MetLife Insurance Portal:

member login to access claims, ID cards, forms, etc.

Dental Plan Details

2024 Plan Coverage 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 or gingival 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

* For information on benefit coverage for orthodontic services received prior to your Dental insurance through MetLife, please see page 5 of the 2024 Endowed Dental Benefit Guide for Cornell University.

Rates

2024 Rates

	Dental Standard		Dental Plus
	24 Pay Periods	26 Pay Periods	24 Pay Periods	26 Pay Periods
Employee Only (EE)	$14.02	$12.94	$22.75	$21.00
EE + Spouse/Domestic Partner	$28.71	$26.50	$46.05	$42.50
EE + Child(ren)	$33.58	$30.99	$52.54	$48.49
EE + Spouse/Domestic Partner plus child(ren) (formerly "family" coverage)	$46.90	$43.29	$74.20	$68.49

Dental Plan I.D. Cards

You will receive an ID card in the mail following your enrollment. In addition, you can print an ID card by registering on metlife.com/my/benefits under "My Accounts," as well as view claims and coverage details.

You do not need to present an ID card to confirm eligibility. However, it would be best to let your dentist know that you are enrolled in the MetLife Preferred Dentist Program (PDP). So your dentist can verify your coverage through an automated Computer Voice Response system with MetLife by calling 1-877-MET-DDS9. The dentist must provide either your Cornell Employee ID number or Social Security Number to verify coverage.

Forms

MetLife Dental Plan Enrollment Form (pdf)
MetLife Dental Expense Claim Form (pdf)

Plan Documentation

Summary Plan Description (SPD)/Certificate of Coverage

Eligibility

You

Endowed Benefits-eligible* faculty and staff members can enroll in the dental plan.

*If you are uncertain of your eligibility status for this benefit, please contact your HR representative to review.

Your Dependents

The employee must qualify for and be actively enrolled in Cornell’s dental plan for a spouse/domestic partner and child(ren) to be enrolled.
Children are eligible for coverage through December 31st of the year they turn age 26.
As noted in the plan documentation provided above, some dental services are excluded after your child(ren) turns age 19.

*If you are uncertain of your eligibility status for this benefit, please contact your HR representative.

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.

While every attempt has been made to ensure the accuracy of this Summary, in the event of any discrepancy the Summary Plan Description and Plan Document will prevail.

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