Plan Information
Employees choose between two plans, both insured by MetLife.
Difference in the In-Network MAC Plan and the Open Network UCR Plan are allowances for Out-Of-Network providers and services covered.
- If you use a Network Provider, you should choose the In-Network Plan. This Plan has better benefits when using a Network Provider.
- If you use an Out of Network Provider, you should choose the Open Network UCR Plan. Members should not be balance billed when using this Plan.
Rates
Coverage | Monthly Rates July 1, 2024- June 30, 2025 |
---|---|
Employee Only | $38.49 |
Family | $113.25 |
Covered Dependents – dependent children to age 26, regardless of student status.
Enhanced Benefits
Plan Year Maximum
The Plan Year Maximum is $1,250 Per Covered Participant
Adult Orthodontics
Orthodontic Coverage is available for dependent children and adults. The Lifetime Maximum is $1,000
Waiting Periods
A late entrant is an employee or dependent who does not enroll when first eligible and decides to enroll at a later date. Late entrants can only enroll during the Annual Open Enrollment Periods and will have no waiting periods.
Plan Design
Differences between Open Network UCR Plan and the In-Network MAC Plan are reimbursement levels for Out-Of-Network providers and level of services covered.
- Open Network UCR Plan pays out of network providers based on Usual, Customary and Reasonable fees (90% UCR). Choose this plan if your provider is Out of Network. This Plan pays Basic Services at 80%.
- In Network MAC Plan reimburses out of network providers at the negotiated network provider fee. If your provider is out of network and you choose this plan, you will likely be balance billed. In Network MAC Plan, includes a higher coverage level for Basic Services (100%).
MetLife Benefit Summary – Including exclusions and limitations
Benefit | In Network MAC Plan * | Open Network UCR Plan * |
---|---|---|
Preventive Services* | 100% | 100% |
Basic Services* | 100% | 80% |
Major Services* | 60% | 50% |
Out of Network Provider Reimbursement |
Charge Based on Network Provider Discount* |
90% Usual & Customary* |
Deductible | $50 Individual $150 Family |
$50 Individual $150 Family |
Maximum Benefit | $1,250 | $1,250 |
Orthodontic Services | 50%* | 50%* |
Lifetime Maximum | $1,000 | $1,000 |
Contact / ID Cards
METLIFE PROVIDER SEARCH
MetLife Provider Search – use the PDP Plus Network
- Choose the Open Network UCR/High Option if your provider isn’t part of the Network. Your out of network claims will be paid based on 90% Usual and Customary. There will be less chance of a balance bill under this option.
- Choose the In-Network MAC/Low Plan ONLY if your provider is part of the Network. You will be balance billed the difference if you see an out of network provider on this plan.
DENTAL CARDS
- Employees will receive customized Dental Cards mailed to their home address.
- Employees can also create an account and print a customized dental card at any time from https://metlife.com/mybenefits
Generic ID Cards can also be utilized
Customer Service: 877-275-6387