Dental
Ecker Textiles offers a comprehensive dental plan with an extensive network of dentists through MetLife. We encourage you to use in-network dentists in order to help manage the long term costs of the dental plan and reduce your out-of-pocket costs.
The MetLife dental plan provides coverage both in and out-of-network. However, you will make the most of your dental plan benefits if you visit participating MetLife dentists. We encourage you to use a participating dental provider to reduce your out-of-pocket costs and help manage the long term costs of the plan. Participating dentist information can be found on the Resources page.
Below is a benefit summary of your annual deductible and co-insurance costs.
Dental Summary of Benefits
Important Notes
Members utilizing participating dentists will enjoy discounted dental fees in addition to protection from balance billing for charges above the dentist’s maximum allowable charges. Members utilizing non-participating dentists will have the same benefits but may be subject to balance billing.
Finding a Provider
Access www.metlife.com/dental and select "Find a Participating Dentist" and then select the PDP Plus network.
Claims Process
In-Network
- Participating dentists file the claim and accept payment from MetLife
- Employees should not need to pay at the time of service for participating providers
Out-of-Network
- For out-of-network dentists, if the dentist does not agree to file the claim as out-of-network with MetLife, employee pays at the time of service and files a claim for reimbursement
- Charges by out-of-network providers that exceed Usual & Customary charges are the member’s financial responsibility. (Member pays the difference between the actual charge and the plan’s U&C reimbursement level.)
Employment Termination of Coverage
Upon your employment termination, it's important to understand how your dental plan coverage will be affected.
Your dental plan coverage will end on your last working day.
Your dental coverage is a COBRA eligible benefit. Under COBRA regulations, you have the option to extend your dental benefits for a maximum period of 18 months from the date of your coverage ending. This allows you to maintain access to the same dental benefits you had as an active employee.
Following your end of employment with Ecker Textiles, you will receive a comprehensive COBRA continuation notice. This notice will provide you with additional details and instructions on how to proceed with continuing your dental coverage under COBRA.
