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MetLife
TakeAlong Dental Low

Keeping your teeth healthy without a dental program can be expensive. Having the right dental coverage makes it easier to visit the dentist and helps lower your costs. That’s where MetLife TakeAlong Dental comes in! It offers competitive pricing and great benefits today and in the future, providing you with continuous coverage.

This is a brief description of services covered under the MetLife TakeAlong Dental, Low Option Benefit PPO program:

  • Flexibility to choose any licensed dentist, in or out of the network, and still receive benefits.
  • In-network providers accept negotiated fees, which are typically 30-45% less than the average charges in the same area.
  • No referral needed for specialty care.
  • Access to thousands of participating dental locations.

Note: MetLife TakeAlong Dental availability varies by state.

For more details and program information, please see the Additional Network Information section towards the bottom of this page.

Please read the Schedule of Benefits including the exclusions and limitations before beginning your enrollment.

Common procedures:
Cleaning:100% of maximum allowable charge *
White Filling:50% of maximum allowable charge *
Crown:Not covered
Root Canals:Not covered
Simple Extractions:50% of maximum allowable charge *
Plan Maximum:$750 per Calendar Year per person
Waiting Periods:Preventive-None, Basic-6 months, Major-Not covered

Waiting Periods: For Vermont residents, any applicable waiting periods are limited to a maximum of 6 months. For Maine residents, waiting periods do not apply to children under 19 years of age. Once enrolled, this will be reflected in your policy.

Deductible:$75 per person / $225 per family per Calendar Year

May be subject to certain limitations and exclusions, please review the full Schedule of Benefits

*Maximum allowable charges refer to the charges that in-network dentists have agreed to accept as payment in full for covered services, subject to any deductibles, copayments, coinsurance and benefit maximums. Maximum allowable charges are subject to change. In most states, out-of-network benefits are also based on a percentage of the maximum allowable charge. If you visit an out-of-network dentist you may have higher out-of-pocket costs than if you use a dentist that is in-network.

Details:
Full Schedule of Benefits  |  Dentist Search
Exams:
Routine oral examinations – two per calendar year
In Network – 100%
Out of Network – 100% of the Maximum Allowed Charge*
Preventive – No waiting period
Cleanings:
Teeth Cleanings – two per calendar year
In Network – 100%
Out of Network – 100% of the Maximum Allowed Charge*
Preventive – No waiting period
X-Rays:
Bitewing x-rays only – Adults – one time in a calendar year Child – one time in 6 months
In Network – 100%
Out of Network – 100% of the Maximum Allowed Charge*
Preventive – No waiting period
Fillings:
Fillings – initial placement – unlimited
Replacement fillings – Replacement once every 24 months
In Network – 50%
Out of Network – 50% of the Maximum Allowed Charge*
Basic – 6 months waiting period
Extractions:
Simple extractions - unlimited
In Network – 50%
Out of Network – 50% of the Maximum Allowed Charge*
Basic – 6 months waiting period
Crowns:
Not Covered Service
Root Canals:
Not Covered Service
Dentures:
Not Covered Service
Deep Cleanings:
Not Covered Service
Implants:
Not Covered Service
Braces/Orthodontia:
Not Covered Service
Teeth Whitening:
Not Covered Service
Additional Network Information:

In-network refers to benefits provided under this program for covered dental services that are provided by a participating dentist. Out-of-network benefits refer to benefits provided under this program for covered dental services that are not provided by a participating dentist.

If a Covered Service is performed by an In-Network Dentist, We will base the benefit on the Covered Percentage of the Maximum Allowed Charge. If an In-Network Dentist performs a Covered Service, You will be responsible for paying:

  • the Deductible; and
  • any other part of the Maximum Allowed Charge for which We do not pay benefits.

If a Covered Service is performed by an Out-of-Network Dentist, We will base the benefit on the Covered Percentage of the Maximum Allowed Charge. Out-of-Network Dentists may charge You more than the Maximum Allowed Charge. If an Out-of-Network Dentist performs a Covered Service, You will be responsible for paying:

  • the Deductible;
  • any other part of the Maximum Allowed Charge for which We do not pay benefits; and
  • any amount in excess of the Maximum Allowed Charge charged by the Out-of-Network Dentist.

*The maximum allowed charge for a covered service is the amount that in-network dentists have agreed to accept as payment in full for the covered service. Percentages shown are based on the maximum allowed charge, even when a covered service is provided by an out-of-network dentist, except in AK, NV, MA and MT. In these states, out-of-network percentages shown are based on a percentile of the reasonable and customary (R&C) charge. The R&C charge is based on the lowest of: (1) the dentist’s actual charge for a covered service; (2) the dentist’s usual charge for the same or similar service; or (3) the amount charged by most dentists in the same geographic area for the same or similar service as determined by MetLife.

Exclusions and Limitations
Privacy Policy
Plan Brochure
Notes:

Disclosure

For New Mexico Residents: This type of plan is NOT considered minimum essential coverage under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage. If you do not have other health insurance coverage, you may be subject to a federal tax penalty.

For Colorado Residents: This policy DOES NOT include coverage of pediatric dental services as required under the Affordable Care Act. Coverage of pediatric dental services is available for purchase in the State of Colorado and can be purchased as a stand-alone Program. Please contact your insurance carrier, agent, or Connect for Health Colorado to purchase either a Program that includes pediatric dental coverage or an Exchange-qualified stand-alone dental Program that includes pediatric dental coverage.

Certain exclusions and limitations may apply to these programs. Please view the covered services/limitations and exclusions which can be found in the schedule of benefits for each program.


FAQ:

Am I covered if I go to a non-participating dentist?

You can use any licensed dentist. However, if you visit an out-of-network dentist you may have higher out-of-pocket costs than if you use a dentist that is in-network. In most states, the TakeAlong Dental programs have maximum allowable charges that in-network providers have agreed to accept as payment in full for covered services*. We pay a percentage (% varies by type of procedure) of those agreed upon charges, and you are responsible for the remaining balance of those charges. In most states, out-of-network benefits are also based on a percentage of the maximum allowable charge. If you visit an out-of-network dentist, in addition to any applicable deductible, you would be responsible for the percentage of the maximum allowable charge that MetLife does not pay (the coinsurance amount) as well as for the amount of the out-of-network dentist’s fee that is in excess of the maximum allowable charge.

* Maximum allowable charges refer to the charges that in-network dentists have agreed to accept as payment in full for covered services, subject to any deductibles, copayments, coinsurance and benefit maximums. Maximum allowable charges are subject to change. In most states, out-of-network benefits are also based on a percentage of the maximum allowable charge.

How do I find a participating dentist?

You can find the names, addresses, specialties, languages spoken and telephone numbers of participating dentists in a given area by searching our online directory.

What is a participating dentist?

A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees* as payment in full for covered services. Negotiated fees typically range from 30% - 45% less than the average charges in a dentist’s community for similar services.

*Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, coinsurance and benefit maximums. Negotiated fees are subject to change.

What services are covered under this Dental program?

To find out more about covered services, see Full Schedule of Benefits.

NOTE: Services started under a different carrier’s policy do not carry over to these programs – check with your dental carrier to be sure all services associated with that policy are completed before enrolling in TakeAlong Dental.

Who can enroll in this plan?

Any individual over the age of 18 may apply for a policy for themselves and their dependents.

* Not available in PR and VI.

MetLife Service & Solutions LLC
New York, NY 10166

SafeGuard Health Plans Inc.
Irvine, CA 92614

Disclaimers and Disclosures:

Dental benefits are provided by Metropolitan Life Insurance Company (MetLife) or an affiliate of MetLife. Certain administrative services are provided by Careington BenefitSolutions (Careington), Frisco, TX. Careington is not affiliated with MetLife or its affiliates. In certain states, availability of the individual dental product is subject to regulatory approval. Like most benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. For complete details and cost, please refer to policy form IND-DENTAL-2015 or contact MetLife for more information.

This website provides a very brief description of some of the important features of this plan. It is not the insurance contract, nor does it represent the insurance contract. A full description of benefits, exclusions and limitations is contained in the Schedule of Benefits and your policy.

Rates shown are based upon the information you provided, and are subject to change based on the dental and/or vision plan's underwriting practices and your selection of available optional benefits, if any. Final rates and effective dates are subject to underwriting and are always determined by the dental insurance and/or vision insurance company. To be considered for reimbursement, expenses must qualify as covered expenses.

This site was designed to provide you with a general description of the plans you requested. Keep in mind that it does not include all the benefits and limitations outlined in the policies -- it is the insurance contract, not the general descriptions on this website, which forms the contract between you and the insurance company.

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