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1. Does MetLife issue personalized identification cards?

No. MetLife does not issue personalized identification (ID) cards. Your ID number is essentially your Social Security Number (SSN). If you inform your dentist you have MetLife Dental they are able to look you up via your SSN.

2. What is my Group Name and Group Number?

Your Group Name is Town of Greenwich and your Group Number is 304940.

3. How do I find a participating Primary Dental Provider (PDP) dentist?

You can view a list of participating PDP dentists online or by calling 800-942-0854 to request a list.

4. What services are covered by my plan?

All services defined under your group dental benefits plan are covered. Please review your plan benefits to learn more or register.

5. May I choose a non-participating dentist?

Yes. You are always free to select the dentist of your choice. However, if you choose a dentist who does not participate in the MetLife Primary Dental Provider (PDP), your out-of-pocket expenses may be more, since you will be responsible to pay for any difference between the dentist’s fee and your plan’s payment for the approved service. 

If you receive services from a participating PDP dentist, you are only responsible for the difference between the PDP in-network fee for the service provided and your plan’s payment for the approved service. Please note: any plan deductibles must be met before benefits are paid.

6. Can I find out what my out-of-pocket expenses will be before receiving a service?

Yes. MetLife recommends that you request a pre-treatment estimate for services in excess of $300. Simply have your dentist submit a request online or call 877-638-3379. You and your dentist will receive a benefit estimate for most procedures while you’re still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment.

7. Can MetLife help me find a dentist outside of the U.S. if I am traveling?

Yes. Through international dental travel assistance services* you can obtain a referral to a local dentist by calling 312-356-5970 (collect) when outside the U.S. to receive immediate care until you can see your dentist. Coverage will be considered under your out-of-network benefits. Please remember to hold on to all receipts to submit a dental claim.**

*International Dental Travel Assistance services are administered by AXA Assistance USA, Inc. AXA Assistance is not affiliated with MetLife, and the services they provide are separate and apart form the benefits provided by MetLife.

**Refer to your dental benefits plan summary for your out-of-network dental coverage.

8. How does MetLife coordinate benefits with other insurance plans?

Coordination of benefits provision in dental benefits plans are a set of rules that are followed when a patient is covered by more than one dental benefits plan. These rules determine the order in which the plans will pay benefits. If the MetLife dental benefit plan is primary, MetLife will pay the full amount of benefits that would normally be available under the plan. 

If the MetLife dental benefit plan is secondary, most coordination of benefits provisions requires MetLife to determine benefits after benefits have been determined under the primary plan. The amount of benefits payable by MetLife may be reduced due to the benefits paid under the primary plan.