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
member login to access claims, ID cards, forms, etc.
Dental Plan Details
2025 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 2025 Dental Benefit Booklet (pdf)
Rates
2025 Rates
Dental Standard
Dental Plus
24 Pay Periods
26 Pay Periods
24 Pay Periods
26 Pay Periods
Employee Only (EE)
$14.58
$13.45
$23.66
$21.84
EE + Spouse/Domestic Partner
$29.86
$27.56
$47.89
$44.20
EE + Child(ren)
$34.92
$32.23
$54.64
$50.43
EE + Spouse/Domestic Partner plus child(ren)
(formerly "family" coverage)
$48.77
$45.02
$77.17
$71.23
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.
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.
