Open Enrollment - Dental Plan
Your Choices:
Which plan is right for me?
You have two plans to choose from:
- MetLife Dental Standard
- MetLife Dental Plus
Take a look at the side-by-side comparison of costs and benefits under the "Plan Comparison" tab below.
Come to Benefair to get answers from providers and Cornell benefits experts.
Plan Details:
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 or call 800-942-0854; Service Center Hours: M-F 8:00 am to 11:00 pm EST.
For a detailed overview of MetLife's dental coverage, including limitations, exclusions, and orthodontia coverage information, please refer to the chart below or review the Dental Benefits Guide Booklet.
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 Dental Benefits Guide Booklet.(pdf)
2027 Rates
| Dental Standard | Dental Plus | |||
|---|---|---|---|---|
| 24 Pay Periods | 26 Pay Periods | 24 Pay Periods | 26 Pay Periods | |
| Employee Only (EE) | $16.19 | $14.94 | $26.27 | $24.25 |
| EE + Spouse/Domestic Partner | $33.15 | $30.60 | $53.17 | $49.08 |
| EE + Child(ren) | $38.78 | $35.79 | $60.67 | $56.00 |
EE + Spouse/Domestic Partner plus child(ren) (formerly "family" coverage) | $54.16 | $49.99 | $85.69 | $79.09 |
How To Enroll:
Workday Enrollment Decision Guide