Group Dental Insurance Plan
AUSA has partnered with MetLife to offer members and their families access to insurance that helps reduce your out-of-pocket expenses.*
Round Out Your Healthcare Coverage with Dental Insurance
Dental problems can be unpredictable and expensive. That's why AUSA is offering MetLife Dental Insurance... to help keep the cost of your dental care in check.
Dental insurance helps pay for routine care and prevent more costly problems. How? When preventive care is covered, you're more likely to go for cleanings and checkups, which can help stop problems before they become more complicated.
While eating dinner, Katie bites down and breaks a crown. The next day, she visits her dentist in the MetLife network. A crown in her area is about $1,462.1 Since Katie's participating dentist agreed to charge $680 for covered MetLife enrollees, and her plan covers 50% for this procedure, her out-of-pocket costs are only $340. That's a savings of $1,122! Depending on what her dentist normally charges, this could have cost Katie over a thousand dollars. By using a participating dentist, she maximizes her benefits and pays less than a quarter of the typical cost.2
MetLife Dental Insurance can help pay a portion of the costs associated with dental care. Different plans pay different percentages for procedures across these three standard service types.
Cleanings and exams
X-rays and fillings
Crowns and root canals
*Subject to frequency limits.
Dental insurance helps with dental expenses that may not be covered under your medical plan. It can protect your health, smile, and family budget. You can choose the plan that suits you and your family best.3 Take advantage of competitive group rates and value-added services at no additional cost to you.
Different plans pay different percentages for these services:3
- Cleanings, x-rays, and exams
- Fillings and extractions
- Bridges, crowns, and dentures
- Thousands of participating general dentists and specialists nationwide
- Choose any general dentist or specialist, but save more with a participating dentist
- Participating dentists agree to accept negotiated fees as payment in full for covered services
- Negotiated fees typically range 30-45% below the average fees charged in a dentist's community for similar services4
- Your dentist can request a pretreatment estimate for any service that is more than $300 to help you manage costs and care5
- In-network discounts apply even after you reach your plan's annual maximum, reducing out-of-pocket expense
*Savings from enrolling in a dental benefits plan [featuring the MetLife Preferred Dentist Program] will depend on various factors, including the cost of the plan, how often participants visit a dentist and the cost of services rendered.
1Based on MetLife data for a crown (D2740) in ZIP code 19151. This cost reflects the 80th percentile Reasonable and Customary (R&C) fee. R&C fees are calculated based on the lowest of 1) the dentist's actual charge, 2) the dentist's usual charge for the same or similar services, or 3) the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife. This example is used for informational purposes only. Fees in your area may be different.
2This is an example for illustrative purposes only.
3Those services defined under your dental benefits summary are covered. Please review your plan benefits summary for a more detailed list of covered services.
4Negotiated fees refer 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 benefit maximums. Negotiated fees are subject to change.
5MetLife strongly recommends you have your dentist submit a pretreatment estimate to MetLife if the cost is expected to exceed $300. When your dentist suggests treatment, have him or her send a claim form, along with the proposed treatment plans and supporting documentation to MetLife. An explanation of benefits (EOB) will be sent to you and the dentist, detailing an estimate of what services MetLife will cover and at what payment level. Actual payments may vary from the pretreatment estimate depending upon annual maximum, deductibles, plan frequency limits, and other plan provisions at time of payment.
Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. Please contact MetLife or your plan administrator for complete details.
L0322020643[exp0324][All States][DC,GU,MP,PR,VI] © 2022 MSS