Dental – Brown & Brown Insurance

Both the High and Low Plans provide in-network and out-of-network benefits. Using in-network providers lowers your out-of-pocket costs and reduces additional costs. The Low Plan is designed to be used as an in-network plan only. Out-of-network benefits are available; however, the reimbursement schedule is limited to the in- network provider negotiated fee resulting in balance billing, deductible for preventive service and higher costs to the participant. It is also important to point out that the calendar year deductible is not waived for out-of-network preventive services. If you anticipate out-of-network services will be needed, please consider enrolling in the High Plan. For specific dental questions, contact MetLife at 1-855-638-3943. The Group Number is 316235.

In-Network Benefits Illustration	High Dental Plan	Low Dental Plan
Annual Deductible	Individual - $50 Family - $150	Individual - $100 Family - $300
Type A: Preventive	100% Covered	100% Covered
Type B: Basic Restorative	90% after deductible	80% after deductible
Type C: Major Restorative	60% after deductible	50% after deductible
Type D: Orthodontia	50%	50%
Annual Maximum (per person)	$2,000 per calendar year	$1,250 per calendar year
Orthodontia Lifetime (per person)	$1,000 lifetime maximum	$1,000 lifetime maximum

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