Graduating Dental Benefits from MetLife encourages participants to maintain their dental coverage from their employer plan and provides enhanced coverage to help ALL participants achieve and/or maintain good oral health. Participants, including dependents, are rewarded for maintaining their dental coverage with an increasing annual maximum benefit each year for up to three years.

* Participants and their dependents maintain the maximum benefit once it’s reached for as long as they remain enrolled in the plan with no gap in coverage.

* If there is an interruption in MetLife dental coverage, participants start at the beginning, with the lower benefit level, after re-enrolling in the employer’s plan.

Unlike some of the other products in the marketplace, with Graduating Dental Benefits from MetLife there are:

* NO dollar threshold requirements
* NO “use it or lose it” feature
* NO regressive benefits

Tags: Dental Insurance, employer dental insurance, MetLife, MetLife dental

Beginning June 1, 2008 Aetna will be offering new standalone dental plans. The Dental Advantage Individual Plans are a more comprehensive option to Aetna’s existing PPO Max under 65 dental rider plans, but will be available on a standalone basis, which means individuals will not have to enroll in a medical plan to be eligible for these plans. In addition, the new standalone plans offer a more comprehensive level of benefits covering services such as crowns, bridges and dentures.

The 2 Dental Passive PPO Max plans that are being offered are:

* Aetna Individual AdvantageSM PPO Plan

* Aetna Individual AdvantageSM PPO Plus Plan

Please note: The term “passive” means that for preventative , basic, and major services the coinsurance levels, deductibles, and annual maximums appear the same for both participating and non-participating benefits.

Also, the term “max” refers to the out-of-network (OON) reimbursement level. Opposed to OON based on UCR, the PPO Max plan reimburses using the PPO negotiated fee . Out-of-network or non-participating dentists have NOT agreed to accept that as payment in full and could balance bill. For for information, please visit the individual dental website or contact Illinois Health Agents.

Tags: Aetna, Dental Insurance