Overview
WinnCompanies offers dental coverage through MetLife designed to help you maintain a healthy smile through regular preventive care and to fix any problems as soon as they occur.
2024 Dental Plans
- Enhanced Plan
- Basic Plan
Key Features
Free in-network preventive and diagnostic care
Affordable coverage
that helps you manage the cost of dental treatment
Flexibility
to see any dentist – in or out of network
Wide network
of providers that have agreed to negotiated rates, which helps you save money
Find a network dentist
Coverage Details
| Enhanced Plan | Basic Plan | |
|---|---|---|
| In- and out-of-network benefits | ||
| Calendar year deductible (individual/family) | $50/$150 (waived for preventive services) | None/None |
| Calendar year maximum benefit | $1,500 | $500 |
Services
|
|
|
| Orthodontia coinsurance (children to age 19) | 50% | Not covered |
| Orthodontia lifetime maximum (children to age 19) | $2,000 | Not covered |
MetLife does not provide Subscriber ID cards. When you are ready to receive covered services, your provider can verify your coverage with MetLife by using your Social Security Number. You can print a temporary ID card to present by logging into the MetLife website.
Preventive care pays off!
Your preventive visit does not count toward your calendar year maximum. Because the maximum applies only to non-preventive care, you can stretch your benefits further and pay less out of pocket overall.
Use Your Dental Benefits Wisely
Here’s how to make the most of your dental benefits:
- Choose a provider — Using a participating dentist in the MetLife network will ensure you keep your costs as low as possible. Out-of-network providers may charge above the plan’s approved rates. To find a network provider, visit the MetLife website.
- If your service will exceed $300, submit for a pretreatment estimate. You should always submit a request for a pretreatment estimate for procedures and services your dentist believes will exceed $300 (procedures such as crowns, inlays, bridges, and periodontics). Simply have your dentist submit a request online at metdental.com or call 1-877-MET-DDS9. You and your dentist will receive an estimate for most procedures while you are still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits, and other conditions at time of payment.
- Check your claim status and other information on the MetLife website. You can review Explanation of Benefits (EOB) statements, check if claims have been paid, and more.
For more information about both the Enhanced and the Basic dental plans, visit the Employee Resources page on Winntranet to see the detailed plan certificates and rates.