Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166
L0122019259[exp0323][xNM] © 2022 MetLife Services and Solutions, LLC
DN-ANY-PPO-DUAL
PLAN SUMMARY
Dental Insurance
Coverage that helps makes it easier to visit a dentist and helps lower your
dental costs.
Princeton University
Q. May I choose a non-participating dentist?
A. Yes. You are always free to select the dentist of your choice. However, if you choose a non-participating dentist your out-of-
pocket costs may be higher.
Q. Can my dentist apply for participation in the network?
A. Yes. If your current dentist does not participate in the network and you would like to encourage him/her to apply, ask your
dentist to visit www.metdental.com, or call 1-866-PDP-NTWK for an application.
††
The website and phone number are for
use by dental professionals only.
Q. How are claims processed?
A. Dentists may submit your claims for you which means you have little or no paperwork. You can track your claims online and
even receive email alerts when a claim has been processed. If you need a claim form, visit www.metlife.com/mybenefits or
request one by calling 1-800-942-0854
Q. Can I get an estimate of what my out-of-pocket expenses will be before receiving a service?
A. Yes. You can ask for a pretreatment estimate. Your general dentist or specialist usually sends MetLife a plan for your care
and requests an estimate of benefits. The estimate helps you prepare for the cost of dental services. We recommend that
you request a pre-treatment estimate for services in excess of $350. Simply have your dentist submit a request online at
www.metdental.com or call 1-877-MET-DDS9. You and your dentist will receive a benefit 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.
Q. Can MetLife help me find a dentist outside of the U.S. if I am traveling?
A. Yes. Through international dental travel assistance services
*
you can obtain a referral to a local dentist by calling +1-312-
356-5970 (collect) when outside the U.S. to receive immediate care until you can see your dentist. Coverage will be
considered under your out-of-network benefits.
**
Please remember to hold on to all receipts to submit a dental claim.
Q. How does MetLife coordinate benefits with other insurance plans?
A. Coordination of benefits provisions in dental benefits plans are 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,
subject to applicable law. 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, subject to applicable law.
Q. Do I need an ID card?
A. No. You do not need to present an ID card to confirm that you are eligible. You should notify your dentist that you are
enrolled in the MetLife Preferred Dentist Program. Your dentist can easily verify information about your coverage through a
toll-free automated Computer Voice Response system.
†Based on internal analysis by MetLife. Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any co-payments,
deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.
††Due to contractual requirements, MetLife is prevented from soliciting certain providers.
*AXA Assistance USA, Inc. provides Dental referral services only. AXA Assistance is not affiliated with MetLife, and the services and benefits they provide are separate and apart from the
insurance provided by MetLife. Referral services are not available in all locations. Exclusions: The AXA Travel Assistance Program is available for participants in traveling status. Whenever
a trip exceeds 120 days, the participant is no longer considered to be in traveling status and is therefore no longer eligible for the services. Also, AXA Assistance USA will not evacuate or
repatriate participants without medical authorization; with mild lesions, simple injuries such as sprains, simple fractures or mild sickness which can be treated by local doctors and do not
prevent the member from continuing his/her trip or returning home; or with infections under treatment and not yet healed. Benefits will not be paid for any loss or injury that is caused by or is
the result from: pregnancy and childbirth except for complications of pregnancy, and mental and nervous disorders unless hospitalized. Reimbursements for non-medical services such as
hotel, restaurant, taxi expenses or baggage loss while traveling are not covered. The maximum benefit per person for costs associated with evacuations, repatriations or the return of mortal
remains is US$500,000. Treatment must be authorized and arranged by AXA Assistance’s designated personnel to be eligible for benefits under this program. All services must be provided
and arranged by AXA Assistance USA, Inc. No claims for reimbursement will be accepted.
**Refer to your dental benefits plan summary for your out-of-network dental coverage.