Common Questions
Is laser vision correction a covered benefit? No, but UnitedHealthcare Vision offers access to discounted laser eye surgery procedures through Laser Vision Network of America (LVNA) in conjunction with your vision program. You and your family receive substantial discounts from highly reputable providers through the United States. Simply visit our lasik site at www.uhclasik.com for more details. Can I change my life insurance beneficiary at any time? Yes, you may change your beneficiary at any time by contacting the Human Resources Department. Human Resources will send you a new Beneficiary Designation Form, which must be completed and returned. Generally, your change becomes effective on the day you submit yourform. Am I subject to imputed income? As required bythe IRS, amounts oflifeinsuranceinexcessof$50,000, paidbyyouremployer, are subjecttoimputedincome.Imputed income amounts are reflected on W-2 forms. How do I find a participating PDP dentist? There are more than 140,000 participating PDP dentist locations nationwide, including over 30,000 specialist locations. You can receive a list of these participating PDP dentists online at www.metlife.com/mybenefits or by calling 1-800-942-0854 to have a list faxed or mailed to you. Does the Preferred Dentist Program (PDP) offer any negotiated fees on non-covered services? Yes. MetLife's negotiated fees with PDP (in-network) dentists extend to non-covered services and services received after the plan maximum has been met. If you receive services from a PDP dentist that are not covered, you are only responsible for the PDP (in-network) fee. May I choose a non-participating dentist? Yes. You are always free to select the dentist of your choice. However, if you choose a dentist who does not participate in the MetLife PDP, your out-of-pocket expenses may be more, since you will be responsible for paying any difference between the dentist's fee and our plan's payment for the approved service. If you receive services from a participating PDP dentist, you are only responsible for the difference between the PDP in-network fee for the service provided and our plan's payment for the approved service. Please note, the plan deductible must be met before benefits are paid. Can I find out what my out-of-pocket expenses will be before receiving a service? Yes. With pre-treatment estimates, you never have to wonder what your out-of-pocket expense will be. MetLife recommends that you request a pre-treatment estimate for services in excess of $300. Simply have your dentist submit a request online at www.metdental.com or by calling 1-800-942-0854. You and your dentist will receive a benefit estimate for most procedures while you're still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits, and other conditions at the time of payment. How can I learn about what dentists in my area charge for different procedures? With the Dental Procedure Fee Tool provided by go2dental.com, you can learn more about approximate fees for services such as exams, cleanings, fillings, crowns, and more. Simply visit www.metlife.com/mybenefits and use the Dental Procedure Fee Tool to estimate your in-network (PDP fees) and out-of-network fee * for dental services in your area. * Out-of-network fee information is provided by go2dental.com, Inc., an industry source independent of MetLife. This site does not provide the benefit payment information used by MetLife when processing your claims. Prior to receiving services, pre-treatment estimates through your dentist will provide the most accurate fee and payment information. How does MetLife coordinate benefits with other insurance plans? The coordination of benefits provision is a set of rules that are followed when a patient is covered by more than one dental benefits plan. These rules determine the order in which the plans will pay benefits. If the MetLife dental benefit plan is primary, MetLife will pay the full amount of benefits that would normally be available under the plan. If the MetLife dental benefit plan is secondary, most coordination of benefits provisions require MetLife to determine benefits after benefits have been determined under the primary plan. The amount of benefits payable by MetLife may be reduced due to the benefits paid under the primary plan. 24
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