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Dental Benefits For PML Employees

PML Worldwide offers dental coverage through an alliance between Michigan Manufacturers Association (MMA) and MetLife.



FREQUENTLY ASKED QUESTIONS ABOUT THE METLIFE PDP

What is the MetLife PDP?

The MetLife PDP is a Preferred Provider Organization. That means you choose the dentist of your choice at the time of treatment. You do not have to select a primary dentist; there’s no ID card to show, or referrals for specialty care.

How does the MetLife PDP work?

With the MetLife PDP, you receive a wide range of benefits whether or not you and/or each eligible dependent visit a participating PDP dentist. But, when you visit a participating dentist, (an innetwork dentist), you have the opportunity to make the most of your benefit plan through access to lower out-of-pocket expenses.

Do my dependents have to visit the same dentist that I select?

No. You and your dependents each have the freedom to choose any dentist, in and out-of network, at any time.

What is a participating dentist, and how do I locate one?

A general dentist or specialist who meets MetLife’s strict credentialing standards and accepts scheduled fees as payment in full. There are more than 52,000 participating PDP dentists nationwide, including 10,200 specialists. You can get a list of participating dentists online at www.metlife.com/dental   or call (800) 942- 0854 to have a list faxed or mailed to you.

What if my dentist isn’t in the PDP?

We strongly encourage you to consider using a PDP dentist to maximize the value of your plan. Of course, you can visit any dentist and still receive benefits under your plan.

If your current dentist does not participate in the PDP and you’d like to encourage him/her to apply for membership, tell your dentist to visit www.metdental.com   , or call (877) MET-DDS9.

Note:

This web site and phone number are specifically for dentists and not accessible to employees.

What is a scheduled fee?

A scheduled fee refers to the maximum charge for a service that a participating PDP dentist may charge to eligible PDP patients.

These fees are typically 10% to 30% below average fees of dentists in your area, which saves you money. Your Plan may reimburse you for all or part of this fee. When you use a participating PDP dentist, you are responsible only for the difference between MetLife’s benefit payment amount and the PDP fee for services rendered. Please see your plan overview for a more detailed example.

Can I find out how much services will cost and what will be covered prior to treatment?

MetLife strongly recommends that you have your dentist submit a pre-treatment estimate for services in excess of $300. While you wait, your dentist can get a real time pre-treatment estimate online or over the phone in minutes detailing what services will be covered and at what payment level. PDP plans pay for the least expensive, clinically appropriate course of treatment. Therefore, licensed dental consultants review certain services such as crowns, bridges and periodontics for appropriateness and necessity.

Do I need an ID card?

No. You do not need to present an ID Card to prove coverage or confirm eligibility.




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