Endowed Dental Plans
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
Dental Plan Details
2023 Plan Coverage Comparison
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Dental Standard |
Dental Plus |
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|---|---|---|---|---|
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Topic/Service |
In-Network¹ |
Out-of-Network² |
In-Network¹ |
Out-of-Network² |
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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 |
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|
Annual Maximum Benefit** |
$1,250/per person |
$5,000/per person |
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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) |
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|
Preventive Plus |
Type A services will not reduce available maximum |
Type A services will not reduce available maximum |
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Type A: Preventive & Diagnostic Services
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Dental Standard |
Dental Plus |
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|---|---|---|---|---|
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Topic/Service |
In-Network¹ |
Out-of-Network² |
In-Network¹ |
Out-of-Network² |
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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 |
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Bitewings |
2 per year |
2 per year |
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Full Mouth/Panoramic Xray |
1 per 3 years |
1 per 3 years |
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Cleanings |
4 per year |
4 per year |
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Fluoride |
2 every year; through age 18 |
2 every year; through age 18 |
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Sealants |
Through age 16 |
Through age 16 |
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Space Maintainers |
1 per lifetime per area of the mouth |
1 per lifetime per area of the mouth |
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Type B: Basic Restorative Services
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Dental Standard |
Dental Plus |
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|---|---|---|---|---|
|
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 |
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Surgical Extractions |
Extractions, impacted teeth, alveolar or gingival reconstruction, cysts, and neoplasms |
Extractions, impacted teeth, alveolar orgingival reconstruction, cysts, and neoplasms |
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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 |
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Occlusal |
Night guards are covered |
Night guards are covered |
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Type C: Major Restorative Services
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Dental Standard |
Dental Plus |
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|---|---|---|---|---|
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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 |
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Periodontics |
Root planing, gingivectomy |
Root planing, gingivectomy |
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Crowns |
1 crown per tooth every 5 years |
1 crown per tooth every 5 years |
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Bridges; Dentures |
1 per 5 years |
1 per 5 years |
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Implants |
1 implant per tooth every 5 years |
1 implant per tooth every 5 years |
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* For information on benefit coverage for orthodontic services received prior to your Dental insurance through MetLife, please see page 5 of the 2023 Endowed Dental Benefit Guide for Cornell University.
Rates
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 |
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
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.