Active Employees
Dental coverage, offered through MetLife, is designed to promote good dental health for you and your eligible dependents.
As a regular full-time or part-time employee, you’re generally eligible for coverage on your date of hire. Review the Dental Expense Plan Summary Plan Description (SPD) for details.
If you are eligible for coverage under more than one dental plan — for example, if your spouse can cover you under his or her employer’s plan — it may not mean that you will receive more benefits. Most plans coordinate benefits, meaning your total benefit is limited to what you would receive under the plan with the highest coverage level. For more information on how coordination of benefits works, review the Dental Expense Plan SPD, or contact the carrier.
When you enroll in dental coverage, you need to choose a coverage category and provide information about the eligible dependents you want to cover. If you don’t enroll in dental coverage when you are first eligible, you alone will be assigned coverage.
Note: You will receive a member ID card from MetLife. The ID card will contain your MetLife ID number, which you can use for claims and customer service. If you need additional cards for yourself or your dependents, you may download and/or print them from the MetLife website at metlife.com/mybenefits. If you haven’t already, you can register at metlife.com/mybenefits. Simply enter “US-Nokia” in the “Employer or Association” field and then follow the on-screen prompts.
You have two dental plan options: the Enhanced Dental and Standard Dental options. Preventive care is covered at 100 percent under both options when you use in-network dental providers.
Before treatment begins, you should determine what is covered and how much your dental plan option will pay. Please see the Dental Expense Plan SPD, or contact the carrier.
Is Your Dentist in the MetLife Preferred Dentist Program (PDP) Plus Network?
You may pay less when you receive care from dentists in the MetLife PDP Plus network instead of non-PDP Plus dentists. To find a participating dentist, or to see if your dentist is a participating provider, visit metlife.com. Scroll down to the “How can we help you” section and select “Find a Dentist,” then choose the network “PDP Plus” and enter your ZIP code where indicated. If you have a MetLife MyBenefits account, you may also view the information there. You can also call MetLife at 1-888-262-4876.
Then, let the dentist know that you participate in the MetLife PDP Plus network when you schedule your appointment.
If you visit a dentist who is not in the PDP Plus network, your dentist will need to complete and submit a
claim form. Claim forms are available from MetLife. Or, ask your dentist to apply to join the PDP Plus
network. He or she can visit www.metdental.com, or call
Waiving Coverage
If you have dental coverage elsewhere, you can elect to decline the company’s dental coverage. You can opt back in to coverage during a future open enrollment period or if you have a qualified status change.
Coverage Categories
You can choose from four coverage categories, depending on the number of dependents that you enroll:
These coverage categories include domestic partners and children of domestic partners.
You pay a portion of the cost with before-tax deductions from your paycheck. Deductions are effective on the first of the month following the date you become eligible for benefits, unless you are newly eligible for benefits on the first of a month. In that case, deductions are effective on the first of the month. For your specific costs, visit the Your Benefits Resources website.
