There’s a little childhood magic for many of us when we think of the tooth fairy, and Friday, February 28, 2020, is National Tooth Fairy Day (yes, this is an actual day). Wouldn’t we love to wake up in the morning and find some surprise cash under our pillow? But, as adults, when it comes to our dental health, we don’t want any financial surprises.
Strong preventative care, like brushing, flossing, eating a healthy diet and seeing your dentist regularly are the best ways to avoid dental disease and keep your dental costs low. For employees who opted for Valencia College’s MetLife dental plan during open enrollment, normal preventive cleanings and oral exams performed by an in-network dentist are covered 100% twice a year.
If you chipped a tooth or have other dental issues, like silver fillings, crowns and root-canal therapy, MetLife covers 80 percent of basic services performed by an in-network dentist.
If your dentist tells you that you need a major treatment, although many major procedures — such as implants, bridges and dentures — are covered at 50% in-network, you’ll want to confirm the insurance coverage, how much will be paid by the insurance company and what your out-of-pocket costs will be.
To find these answers, ask your dentist for a pretreatment estimate from MetLife. Your dentist can make the request while you’re still in the office. It’s like submitting a claim, except it’s before the dental treatment has taken place. The process is simple, and it gives you important information about what treatments are covered and what benefits may be payable. Then, you can discuss treatment and payment options, and have the procedure scheduled on the spot.
For questions, contact Organizational Development and Human Resources at HR4U@valenciacollege.edu, or call the HR4U helpline at 407-299-5000, extension HR4U (4748).