Dental Insurance Why dental insurance makes sense Dental problems can

Dental Insurance Why dental insurance makes sense Dental problems can be unpredictable and expensive. Did you know that a crown can cost up to 1,535?1 Take advantage of this opportunity to enroll in your company’s dental plan. Compare and choose the High- or Low-Option plan for coverage that meets your needs. It helps reduce your out-of-pocket expenses for dental care. And the preventive care benefits can help avoid costly dental problems in the future. A high-option plan includes preventive and basic services like cleanings, x-rays and fillings, and provides more coverage for expensive procedures like [implants, root canals, crowns and orthodontics]. How it works: “ 1,462 340 Why should I enroll during annual enrollment? Competitive group rates While eating dinner, I bit down and broke my crown. The next day, I visited my dentist in the MetLife network. A crown in my area is about 1,462.2 Since my participating dentist agreed to charge 680 for covered MetLife enrollees, and my plan covers 50% for this procedure, my out-of-pocket costs are only 340. That’s a savings of 1,122! Depending on what my dentist normally charges, this could have cost me over a thousand dollars. By using a participating dentist, I maximized my benefits and paid less than a quarter of the typical cost.3 680 Enroll during annual enrollment! For questions, please call MetLife at 1-800-GET-MET8 1-800-438-6388 Dentists’ usual fee2 ” Charge by MetLife participating dentist My out-of-pocket costs Enroll in MetLife Dental during annual enrollment. Easy payroll deduction Value-added services at no additional cost to you Over 535,000 access points where you can find a dentist

Dental Insurance Opportunity to reduce your out-of-pocket costs for dental check-ups and procedures. Know what your plan covers Dental insurance may pay a portion of the costs associated with dental care. Different plans pay different percentages for procedures across these three standard service types. Preventive care* Basic care Major care cleanings and exams X-rays and fillings crowns and root canals *Subject to frequency limits. Your benefit in action Take advantage of how simple and easy it is to use Dental Insurance: Premiums will be conveniently paid through payroll deduction. So you don’t have to worry about writing a check or missing a payment. Dentists may submit claims for you, which means you have little or no paperwork. MetLife’s Mobile App4 is available on the App Store and Google Play. Track claims online and even receive email alerts once claim has been processed. Find claim forms at metlife.com/mybenefits or call 1-800-GET-MET8. To visit metlife.com/ mybenefits scan the following: Enroll in MetLife Dental during annual enrollment. After downloading, you can use it to find a dentist, view your claims, access your ID card, and more. Please scan the QR code to access the Mobile App or visit metlife.com/dental. Enter your ZIP code and select the PDP Plus network.

Compare and choose the High- or Low-Option plan for coverage that meets your needs. Which plan is best for you? High PPO Plan Low PPO Plan I want to have regular teeth cleanings and X-rays Can a [I’ve g I am focused on preventive and basic dental services [As a brace I prefer more protection, so there are less surprises in the future I'm more susceptible to periodontal disease I’m going to need implants in the future Take advantage of the benefits this important protection offers: No out-of-pocket costs for cleanings, X-rays and exams in-network5 [Remove if plan does not cover 100% preventive] In-network discounts on covered services apply even after you have reached your plan’s annual maximum, reducing your out-of-pocket expense. Visit any dentist you like and receive coverage under the plan. Your out-of-pocket expense will usually be lower if your dentist is a participating network dentist. Hypothetical savings example when visiting a participating dentist 6 Service Dentist’s usual fee Negotiated fee Exam 122 55 X-rays 167 74 Filling 179 82 Root Canal 1,446 662 Crown 1,540 694 When you visit a general dentist or a specialist who is in the network, your out-of-pocket costs are usually lower. That’s because participating dentists have agreed to accept negotiated fees that are usually 30-45% less than the average charges in the same community.7 Lower fees can help you cut your final costs and stretch your annual maximums. Enroll in MetLife Dental during annual enrollment.

Discover the benefits of MetLife Dental Did you know MetLife Dental benefits come with extras designed to help you get even more value out of your employer-sponsored benefits? Brush up on the added benefits listed below that are included when you enroll in MetLife Dental. Digital servicing capabilities make dental care easy MetLife’s mobile app4 puts your ID card, plan details, and claim information at your fingertips. For added convenience, it also includes features like: A Find a Dentist tool with easy access to provider ratings Online appointment scheduling for select dentists Convenient claim status notifications via text messaging Our digital tools available on MyBenefits also include: Access to a Dental Cost Estimator8 so you can view personalized, plan-specific, and ZIP code-based cost estimates for most common procedures – as well as the deductibles, plan maximums, and frequency limitations that apply. A digital virtual assistant that’s available 24/7 to help you with common tasks like accessing coverage information, getting personalized estimates, or viewing claims. Dental benefits go with you as you travel Our International Dental Travel Assistance program provides international assistance tied to your out-of-network benefits, including: 24/7 help in multiple languages Access to dental providers (based on strict credentialing criteria) in approximately 200 countries Toll-free calling within the U.S., or collect calling outside the U.S. SmileDirectClub discounts make you smile MetLife Dental benefits include valuable discounts on SmileDirectClub’s customized clear aligners, whether your plan includes orthodontia coverage or not. Plus, all SmileDirectClub dentists are part of MetLife’s Dental provider network. Multi-language health history forms enhance communications Our health history forms, which are available in nearly 40 languages, are designed to help dentists better communicate with non-English speaking patients. Teledentistry options offer added convenience MetLife Dental provides teledentistry options, so you’re able to connect with your dentist from home via smartphone, tablet, or computer for problem-focused exams and reevaluations. An Oral Health Library provides the information you need MetLife’s Oral Health Library – oralfitnesslibrary.com – offers unlimited online access to articles and videos on a wide range of helpful dental-related topics. Enroll in MetLife Dental during annual enrollment.

Dental Insurance Frequently Asked Questions Q. What types of services does the plan cover? A. A number of dental procedures, including:9 Exams and cleanings X-rays Fillings Root canals And much more Q. How does the plan save me money? A. Think about this: Having a good dental plan in place can help you save money every year.6 You also get protection against costly emergency dental treatments that may run into the hundreds or even thousands. Q. Who can enroll in the plan? A. You and your eligible family members. For example, your spouse and dependents. Q. How are claims processed? A. Dentists may submit claims for you, which means you have little or no paperwork. You can track your claims online and even receive email alerts when a claim has been processed. If you need a claim form, visit metlife.com/mybenefits or call 1-800-GET-MET8. Q. Do I need an ID card to schedule an appointment? A. No, you do not need an ID card to schedule an appointment, but you will need your SSN or EE ID.* *There are two states that require ID cards per legislation, Georgia & New Hampshire. Q. How do I pay for my Dental plan? B. Premiums will be conveniently paid through payroll deduction. So you don’t have to worry about writing a check or missing a payment. Q. When can I enroll? C. You can enroll during your open enrollment period. Have other questions? Please call MetLife directly at 1-800-GET-MET8 1-800-438-6388 and talk with a benefits consultant. Q. How can I access my account? A. Go to metlife.com/mybenefits or download the MetLife Mobile App4 on the App Store and Google Play. You can find a dentist, view your claims, access your ID card, and more. 1. Based on 2021 MetLife data for a crown (D2740) in ZIP code 06340. This cost reflects the 80th percentile Reasonable and Customary (R&C) fee. R&C fees are calculated based on the lowest of 1) the dentist’s actual charge, 2) the dentist’s usual charge for the same or similar services or 3) the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife. This example is used for informational purposes only. Fees in your area may be different. 2. Based on MetLife data for a crown (D2740) in ZIP code 19151. This cost reflects the 80th percentile Reasonable and Customary (R&C) fee. R&C fees are calculated based on the lowest of 1) the dentist’s actual charge, 2) the dentist’s usual charge for the same or similar services or 3) the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife. This example is used for informational purposes only. Fees in your area may be different. 3. This is an example and is for illustrative purposes only. 4. To use the MetLife mobile app, employees can choose to register at metlife.com/mybenefits from a computer or directly through the app. Certain features of MetLife Mobile App are not available for MetLife Dental Plans. 5. Subject to frequency limitations. 6. Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered. 7. Based on internal analysis by MetLife. Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services rendered by them, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. 8. This tool does not provide the payment information used by MetLife when processing your claims. Prior to receiving services, pretreatment estimates through your dentist will provide the most accurate fee and payment information. 9. Those services defined under your dental benefits summary are covered. Please review your plan benefits summary for a more detailed list of covered services. Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact MetLife or your plan administrator for complete details. Metropolitan Life Insurance Company 200 Park Avenue New York, NY 10166 L0322020529[exp0523][All States][DC,GU,MP,PR,VI] 2022 MetLife Services and Solutions, LLC ADF# D2643.21