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I N T R O D U C I N G

I N T R O D U C I N G. MetLife’s. Voluntary Dental Plan. Metropolitan Life Insurance Company • One Madison Avenue, New York, NY 10010. [L0310H0OH(exp0205)MLIC-LD]. Consider These Features. There’s No Need to Pre-Select a Primary Dentist

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I N T R O D U C I N G

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  1. I N T R O D U C I N G MetLife’s Voluntary Dental Plan Metropolitan Life Insurance Company • One Madison Avenue, New York, NY 10010 [L0310H0OH(exp0205)MLIC-LD]

  2. Consider These Features... There’s No Need to Pre-Select a Primary Dentist There’s No Referral Process to Visit a Specialist Access to a Nationwide Network of Participating Dentists Rigorous Provider Credentialing Program No Waiting Periods for Major Services What Does the MetLife PDP Offer Me?

  3. Advantages of Visiting a Participating PDP Dentist You Save More When You Visit a Participating PDP Dentist Scheduled Fees Typically 10% - 30% Below Community Average Typically Lower Out-of-Pocket Expenses for Non-Covered Services and discounts continue even after the calendar year maximum is met. (Some state restrictions may apply). How Can I Save Money by Visiting a PDP Dentist?

  4. To Find a Participating Dentist Near Your Home or Work… Visit: www.metlife.com/dental Or Call: 1-800-474-PDP1 (7371)

  5. Benefits Plan Design OUT-OF-NETWORK:Percentage of R&C Allowance IN-NETWORK:Percentage of Scheduled PDP Fee Services Provided Type A: Preventive Services • Exams • Bitewing-X rays • Fluoride Treatment • Cleanings 100%Deductible is WaivedNo out-of-pocket costs 80%Deductible Applies [*The Reasonable and Customary fee is based on the lowest of the Dentist’s actual charge, the Dentist’s usual charge or the charge of most dentists in the same area for the same or similar services as determined by MetLife.]

  6. IN-NETWORK:Percentage of Scheduled PDP Fee OUT-OF-NETWORK:Percentage of R&C Allowance Services Provided $50 Individual /$150 Family Annual Deductible $50 Individual /$150 Family Type B: Basic Services • Fillings (Includes White Fillings) • Full Mouth X-Rays • Simple Extractions Services Covered at 60% Deductible Applicable Services Covered at 80% Deductible Applicable Type C: Major Services • Inlays/Onlays/Crowns • Implants/Bridges/Dentures • Root Canal and Periodontics Services Covered at 50% Deductible Applicable Services Covered at 40% Deductible Applicable Annual Maximum Benefit (Per Person) $1,000 per Person $1,000 per Person

  7. In-Network Dentist’s Usual Charge [$1200.00] Negotiated Fee [$800.00] Plan Pays 50% of PDP Fee -[$400.00] Your Out-of-Pocket Cost [$400.00] Out-of-Network Dentist’s Usual Charge [$1200.00] ** Plan Pays 40% [-$480.00] Your Out-of-Pocket Cost [$720.00] Advantage of Using In-Network Provider Please note: This example assumes that your annual deductible has been met. You saved $320 by visiting a PDP Dentist! **If your dentist’s usual charge is higher than the [R&C] fee determined by MetLife, you are also responsible for the difference between the dentist’s actual charge and the R&C Allowance. *The Plan pays [50%] of the PDP fee for Major Services when you visit a participating dentist.

  8. Vision Benefit Offered through Cole Managed Vision You and your dependents can receive discounts on eyecare services and eyewear products at participating providers nationwide. www.colemanagedvision.com/metlifevisionsavings Plan Number 47234 Other Services

  9. Additional Information Available www.metlife.com/dental 1-800-275-4638 Customer Service 1-800-474-PDP1 for Provider Information www.metlife.com/MyBenefits 18000225769(1198) Printed in U.S.A.

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