Dental Benefits
Good dental health is important to your overall health. Tishman recognizes that you and your covered family members may need different types of dental treatment. It is for this reason that employees are offered the choice of two MetLife Dental Plans: the Core Dental Plan and the Voluntary Buy-Up Dental Plan. Both plans encompass varying types of coverage and accessibility. Plan Overview and Options Both dental plans offer a balance of savings and choice each time you receive covered dental care, including Preventive Services, Basic Restorative Services, and Major Restorative Services. You may choose a participating provider from the MetLife network which consists of more than 140,000 dentists, or you can choose to visit any provider of your choice. There are two main advantages in using a provider that is part of the MetLife network. First, participating providers offer plan benefits based on negotiated fees. These fees are typically 15% to 45% less than the average cost for similar services provided by out-of-network dentists in your area. Second, these providers have agreed to file any claims on yourbehalf.If youchoose to receive care from an out-of-network dentist, you will generally pay more for covered services as the provider may charge you more than the reasonable and customary limits for covered dental services. Payment Option 1: Core Dental When you enroll in Core Dental coverage, you will share a portion of the overall premium cost with Tishman. The bi-weekly cost for Single coverage is $2.73, and the bi-weekly cost for Family coverage is $7.64.
Additional Resources
For more information on your dental plan options or to locate a participating dentist near you, call 1-800-942-0854 or visit www.metlife.com.
Payment Option 2: Voluntary Buy-Up Dental If you choose this option, the bi-weekly cost for Single coverage is $19.05 and the bi-weekly cost for Family coverage is $68.52. The Voluntary Buy-Up Dental Plan offers participants:
Your Dental Plan Election It is important to review your dental plan options carefully.
Higher annual benefit maximums
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⮞ Higher planreimbursement levels for covered services ⮞ Lower out-of-pocket costs ⮞ Coverage for bothadult and child orthodontia
The plan election you make will be in effect for two years.
Which Option is Right for You? Before YouDecide,Considerthe Following: Your Dental Care Needs ⮞ How often do you and members of your family visit the dentist? ⮞ What type of dental services are typically required? ⮞ Do you or any of your covered dependents require orthodontia services? The amount each plan pays for covered dental services differs. In addition, only the Buy-Up Dental Plan providescoverage for both adult and child orthodontia. Coverage versus Cost ⮞ How much can you affordto pay out-of-pocketfor dental care? ⮞ Will your projected out-of-pocket cost savings offered by the Buy-Up Dental Plan offset the higher employee contribution?
A Note About IDCards
You will not be issued a personalized Dental IDcard.
It is important to weigh needs againstcosts to see which plan option would strike an effective balance.
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