2024 2025 FINAL Nordea Bank Benefit Guide

Metlife PPO Plan Services

In-Network

Out-of-Network

$25/$75

$25/$75

Annual Deductible (per person, per calendar year)

Deductible Accumulation

Calendar Year

Calendar Year

Annual Maximum Benefit (per person, per calendar year)

$3,000

$3,000

Preventive Dental Services (cleaning, exams, x-rays)

Plan pays 100%

Plan pays 100%

Frequency

Once every 6 months

Once every 6 months

Plan pays 80% You pay 20%

Basic Dental Services (fillings, root canal)

Plan pays 100%

Full mouth X-rays: 1 in 3 years Crowns: 1 per tooth in 5 years

Full mouth X-rays: 1 in 3 years Crowns: 1 per tooth in 5 years

Waiting Period

Plan pays 60% You pay40%

Plan pays 50% You pay 50%

Major Dental Services (extractions, crowns, inlays, onlays, bridges, dentures, repairs)

Repairs : 1 in 12 months Bridges/Dentures: 1 in 5 years

Repairs: 1 in 12 months Bridges/Dentures: 1 in 5 years

Waiting Period

Plan pays 50% You pay 50%

Plan pays 50% You pay 50%

Orthodontia Services

Orthodontia Lifetime Max

$3,000

$3,000

Dependent Cut Off Age

26 years old

2024-2025 Benefit Summary

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