Benefits

 

Dental Plan - MetLife

 

 

Program Highlights

 

What Is It For?: Barrow offers three plan choices depending on your dental needs:

 

  • Standard Plan: Pays 100% of Preventive care (such as cleanings), 60% of basic services (like fillings and simple extractions), and 50% of major services (like root canals, crowns, bridges and dentures) to a maximum of $750, after a $50.00 deductible.

 

  • Orthodontia expenses are covered for children only to a separate lifetime maximum of $750.

 

  • Premium Plan: Pays 100% of Preventive care (such as cleanings), 70% of basic services (like fillings and simple extractions), and 50% of major services (like root canals, crowns, bridges and dentures) to a maximum of $1,500, after a $25.00 deductible.

 

  • Orthodontia expenses are covered for both children and adults to a separate lifetime maximum of $1,500.

 

  • Network Plan: Same benefits as the Premium plan but you must use an MetLife network dentist.

 

 

Remember, if you decide that you do want this coverage after rejecting coverage as a new hire, you will be subjected to late entrant penalties.

 

  • Late enrollment penalty: Benefits are payable for Preventative Services only up for the first 12 months.

 

  • Out-of Network charges are covered at Reasonable and Customary (R & C): up to the 80th percentile for your location.

 

  • Definition of a Dependent child: under age 19, or full time student under age 26.

 

  • Review the Plan documents for the complete set of rules and limitations that apply to this coverage.

 

 

Please remember that the explanation above is just a summary. The official insurance company plan documents govern the operation of our plans.

 

 

 

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