Visit a Dentist— ANY Dentist

The FREEDOM CHOICE 5K PPO is a dental plan that can help you save¹ and get the care you need.

No matter who your dentist may be, with the MetLife Preferred Dentist Program, the power to choose and save is yours.

Here are the facts:

• You can go to any licensed dentist, in or out of the network.
• Reimbursement for your out-of-network dental care is based on the 90th percentile of “reasonable and customary” charges¹. We look at what dentists in your area actually charge for services, and we calculate reimbursement based on the 90th percentile of those charges.
• The way we determine allowable charges for the 90th R&C means your eligible benefit amount for out-of-network care is high relative to average dental charges in the community. This helps you pay less out of pocket.
• Sometimes when you visit an out-of-network dentist you may have to pay part of the bill. This is called balance billing. But with a 90th percentile R&C plan, in most cases, you won’t be balance billed above your typical out-of-pocket costs – your deductible, coinsurance amount, and your plan maximum.

Take charge of your dental care

Before you get any major dental work, you should talk to your dentist about getting a pretreatment estimate². That’s when your dentist sends the plan for your care to MetLife.

For most procedures, you and your dentists will receive the estimate – online or by fax – during your visit. The statement shows amounts for what your plan covers. Then you and your dentist can talk about your care and costs before your treatment. It’s a great way to be prepared and plan ahead.

Get your plan information – fast! With the 24/7 website you can³:

• Review your plan information, including what’s covered and coinsurance
• Track your deductible and plan maximums
• Find a dentist or view your claim history
• Read up on the oral health information you need to make informed decisions about your care

The 90th bar

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 or your Plan Administrator for complete details.

Find out all the details about our dental plans today.

¹R&C fee refers to the Reasonable and Customary (R&C) charge, which is based on the lowest of 1) the dentist’s actual charge, 2) the dentist’s usual charge for the same or similar services or the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.

²Actual benefit determinations are made when services are rendered and are subject to the following as applicable on the date of service: patient eligibility; plan and frequency limitations; maximums and deductibles; and other coverages.

³With the exception of scheduled or unscheduled systems maintenance or interruptions, the MyBenefits website is typically available 24 hours a day, 7 days a week.