Plan CoverageĪll of the MetLife Dental plans cover 100% of your family’s preventive dental care up to the annual maximum, which includes dental exams and cleanings, when you use an in-network dentist.īelow is an overview of each plan’s benefits:
#Mac dental program full#
Find an In-network Dentist or call MetLife Dental at 85.ġ Negotiated Fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any co-payments, deductibles, cost sharing and benefits maximums. With the Standard and Premium MAC plans, it’s important to make sure your dental provider is in-network to keep your out-of-pocket costs low. Under this plan, your out-of-pocket expenses are lower for out-of-network providers. However, the Premium Access Plus Plan pays out-of-network claims based on reasonable and customary charges.
The Premium Access Plus Plan still offers access to all dental providers in the MetLife network and has the same coinsurance levels, deductibles and plan maximums as the Premium MAC plan. It’s important to make sure your dental provider is in-network to avoid unnecessary out-of-pocket costs. If you choose to see an out-of-network provider, you will be required to pay the difference between the actual charge and the approved in-network fee for that service in addition to any applicable co-insurance. Out-of-network providers may be used but may charge much higher rates for the services than the fees that MetLife has negotiated with in-network providers 1. The Standard and Premium maximum allowable charge (MAC) plans offer pre-determined fees for dental services with specific in-network providers to help you get quality care at better prices. There are no changes or rate increases for any of the dental plans in 2021.
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