Product Info

Dental benefits that fit.

At MetLife, we applied our expertise and industry-leading experience to deliver dental benefit plans for the specialized needs of employers with two to nine employees.

The MetLife Preferred Dentist Program (PDP), our dental preferred provider organization (DPPO), helps lower¹ benefit plan costs through aligning with the latest market trends, dental research and treatment protocols as well as negotiated fees, rigorous selection and retention, and a benefits delivery platform that delivers consistent and accurate payments.

• More than 158,000 participating DPPO network dentist access points nationwide
• Negotiated network dental fees are typically 15-45% below community-average charges²
• In 2010, 74.42% of all dental claims were processed within one business day, 98.50% within 10 business days - with 99.87% payment accuracy³
• No waiting period for dental benefits on certain services for groups with no prior dental coverage. ⁴
• VisionSavings Eyecare Program⁵ offers employees discounts on vision care services and laser vision correction surgery (including LASIK and PRK procedures).

Managed Dental Plans, including dental HMO (DHMO) plans. Employer groups located in California, Florida and Texas with 2-9 employees also have the option to select a stand-alone DHMO benefits plan.

In California, Florida and Texas, our MET Series of DHMO plans are designed to align with the latest market trends, dental research and treatment protocols and they do more to simplify and clarify dental benefits – making it easier for employees and dental offices to understand what’s covered.

• More than 400 covered procedures⁶ — includes co-pays for services such as implants, veneers, white fillings, IV sedation, general anesthesia and nitrous oxide
• Expanded preventative and diagnostic benefits — providing co-pays for procedures such as brush biopsies and additional cleanings when appropriate
• Defined fees for materials and procedures requiring multiple services (e.g., root canals, crowns and bridges) – minimizing fee confusion
• More than 15,600 participating DHMO network dentist access points in CA, FL and TX, including more than 8,400 in California, 4,700 in Florida, and 2,400 in Texas

1. As compared to non-network dental benefit programs
2. Savings from enrolling in the MetLife PDP will depend on various factors, including how often participants visit the dentist and the cost for services rendered.
3. MetLife data as of year-end 2010.
4. Plan provisions regarding eligibility and late entrants apply.
5. The VisionSavings Eyecare Program is offered through EyeMed Vision Care, Mason, Ohio. EyeMed Vision Care is not affliliated with Metropolitan Life Insurance Company and its affiliates.
6. Co-payments apply for many covered procedures and vary by procedure.
7. Deductible waived for diagnostic and preventive services for plan 1 and 2. Plan number 2 is not available in Mississippi and Texas.
8. Groups with no prior dental coverage or without acceptable evidence of prior dental coverage can only choose plan 3.
9. Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonable & Customary charge is based on the lowest of (1) the dentist's actual charge, (2) the dentists usual charge for the same or similar services or (3) the charge of most dentists of similar training and experience in the same geographical area for the same or similar services as determined by MetLife.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.

Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166.

Dental HMO/Managed Care plans are provided by: SafeGuard Health Plans, Inc., a California corporation in CA; SafeGuard Health Plans, Inc., a Florida organization in FL; SafeGuard Health Plans, Inc., a Texas corporation in TX. The Dental HMO/Managed Care companies are part of the MetLife family of companies. "DHMO" is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to:"Specialized Health Care Service Plans" in California; "Prepaid Limited Health Service Organizations" as described in Chapter 636 of the Florida statutes in Florida; and a "Single Service Health Maintenance Organizations" in Texas.

Employees value group life insurance as an essential part of their overall benefits program. By choosing MetLife, employers can help provide employees with comprehensive protection while controlling costs and administrative burden.

We look at group life insurance differently and consider an employer's entire benefits strategy while helping provide a group life program employees will appreciate.

What's Available:

Term Life is a core benefit that employees have come to rely on. It's affordable coverage that helps provide financial protection for an employee or his loved ones in the event of premature death.

MetLife makes it easy for employers by offering a range of plan designs and features for employers with two to nine employees:

• A conversion privilege that allows employees to maintain coverage through an individual life insurance policy without evidence of insurability
• Accidental Death & Dismemberment (AD&D) coverage
• Accelerated Benefit Option (ABO) if the need arises
• Waiver of life insurance premiums in the event of total disability, enabling employees to continue coverage.
• Dependent Life coverage to help employees protect against the potential financial burden caused by the loss of a spouse.

1. Requirement may not apply in all jurisdictions.

Like most group insurance policies, MetLife group life and accidental death and dismemberment policies contain certain exclusions, limitations, terms and conditions for keeping them in force. Please contact your Metlife Sales Representative for complete details and costs.

A short-term disability can have a long-term financial impact on employees and their families. That's why selecting the right Short Term Disability¹ (STD) income insurance provider is such an important decision. With over 50 years of group disability experience, MetLife is committed to offering valuable financial protection for employees against the risk of disability.

As a leading group short-term disability carrier², MetLife combines expert management and expert resources to deliver a superior service experience to both employers and employees.

What's Available:

• Definition of disability that protects one of the employee's most valuable assets - the ability to earn an income.
• Work Incentive Benefit encourages a part-time return to work, where appropriate, by allowing replacement of up to 100% of pre-disability weekly earnings, taking into account the Weekly Disability Benefit, return to work earnings, other income benefits and rehabilitation incentives.
• Rehabilitation Program Incentive increases the disability benefit by 10% when the employee is participating in a MetLife-approved rehabilitation program.
• Family Care Incentive benefit when participating in a MetLife-approved rehabilitation program
• Moving Expense Incentive reimburses employees for moving expenses to a new residence if recommended as part of a MetLife-approved rehabilitation program.
• Organ Donor Benefit increases the disability benefit by 10% if disability is a result of an organ transplant procedure. No elimination period is required.

1. Due to the specific regulatory requirements associated with state-mandated plans, MetLife's 2-9 STD plan described above is not available in NJ, NY, RI, HI, CA or PR.
2. LIMRA International 2007. U.S. Group Disability Sales and In Force Survey based on In Force group disability premiums, fees and equivalents.
3. Requirement may not apply in all jurisdictions.

Like most group disability insurance policies, MetLife policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about complete costs and details.