Retiree Dental

Retiree dental coverage, offered through MetLife, is designed to promote good dental health for you and your eligible dependents.

Eligibility

If you’re eligible for retiree medical coverage (that is, you are Medicare-eligible and meet the applicable age and service requirements), you’re eligible for retiree dental coverage. See Retiree Medical and the Dental Expense Plan Summary Plan Description (SPD) for details.

Coverage and Costs

Coverage

You may choose to enroll in retiree dental coverage through MetLife. Coverage is available to those eligible retirees who have a US or US territory address, as their address of record, on file with the Nokia Benefits Resource Center. You may visit any dentist and receive benefits; however, your out-of-pocket costs may be less if you use MetLife Preferred Dentist Program (PDP) Plus network providers because:

PDP Plus network providers offer lower negotiated fees, and
Coverage may be more generous when services are performed by PDP Plus network providers.

Covered diagnostic and preventive services are paid at 100%. After you meet the deductible, your coverage pays a percentage of other covered services, up to an annual maximum. Note that the percentage paid for covered services is a percentage of the provider’s negotiated rate (for in-network services) or of reasonable and customary (R&C) fees (for out-of-network services).

For more information about your dental coverage, review the Dental Expense Plan SPD or contact the carrier.

If you need dental work costing over $200, you should determine, before treatment begins, what is covered and how much your coverage will pay. Please see “Predetermination of Benefits” in the Dental Expense Plan SPD, or contact the carrier.

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.

Is Your Dentist in the MetLife PDP Plus Network?

It is always a good idea to confirm with your dentist that he or she participates in the MetLife PDP Plus network before scheduling an appointment. 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 1-877-MET-DDS9. (Note that this website and phone number are for dental professionals only.)

Costs