Dental Insurance
The Dental Insurance plan is with MetLife Effective 1/1/2025.
All retirees have two options. You may select a traditional dental insurance “High Option” plan or, a more economical “Low Option” plan. With either option, employees may see any licensed dentist they choose. If you choose to see a dentist in the network, you will have lower out-of-pocket costs, thereby saving you money.
Rates
Monthly Premiums will be deducted from your pension checks.
Rates Effective January 1 with MetLife (2.8% reduction)
| Rates | High Plan | Low Plan |
|---|---|---|
| Retiree Only | $48.39 | $28.53 |
| Retiree + One | $92.57 | $55.67 |
| Retiree + Two+ | $148.07 | $95.73 |
“High Option” Plan
METLIFE Certificate of Coverage, including State Specific Regulations
UCCI Certificate of Coverage through 12/31/2024
| Coverage | Plan Details 90% UCR MetLife PDP Plus |
| Preventive |
100% (does not count toward |
| Basic Services | 80% |
| Major Services* | 50% Implant Coverage Added |
| Deductible ** | $50/person |
| Annual Maximum | $1,250 |
* There is a 12 month waiting period for Major services. The waiting period will be waived if coverage is taken when first offered and there has been no break in dental coverage. (i.e… coming off of Cobra, the Cobb County Dental Plan or other insured dental coverage).
** Deductible applies to Basic and Major services. Waived for Preventative services.
*** Maximum Allowable Charge – The Maximum Allowable charge for all services, including treatment for dental emergencies, to a Non-Preferred Dentist will be equal to or greater than Maximum Allowable charge to a Preferred Dentist/contracted Dentist.
“Low Option” Plan
METLIFE LOW PLAN Certificate of Coverage including State Specific Filing Regulations
UCCI Certificate of Coverage through 12/31/2024
| Coverage | Plan Details |
| Reimbursement | Dental Plan Pays % of the Service Level Out of Network may have balance billing (MAC Plan***) |
| Preventive | 100%
(does not count toward |
| Basic Services | 65% |
| Major Services * | 35% |
| Deductible ** | $50/person |
| Annual Maximum | $1,000 |
* There is a 12 month waiting period for Major services. The waiting period will be waived if coverage is taken when first offered and there has been no break in dental coverage. (i.e… coming off of Cobra, the Cobb County Dental Plan or other insured dental coverage).
** Deductible applies to Basic and Major services. Waived for Preventative services.
*** Maximum Allowable Charge – The Maximum Allowable charge for all services, including treatment for dental emergencies, to a Non-Preferred Dentist will be equal to or greater than Maximum Allowable charge to a Preferred Dentist/contracted Dentist.
Locate a Dentist
There are thousands of general dentists and specialists to choose from nationwide –so you are sure to find one that meets your needs. You can receive a list of these participating dentists online at www.metlife.com/mybenefits or call 1-800-438-6388 to have a list faxed or mailed to you.
You are always free to select the dentist of your choice. However, if you choose a non-participating dentist your out-of-pocket costs may be higher.
Retirees can register your account to search for providers, and print an ID card online through https://online.metlife.com/ (Search for Cobb County Retired Employees Association after January 1) – REGISTER for your account first.
Employees can use the MetLife Mobile App – Search MetLife Dental from the APP Store
Through December 31, 2024
- Go to the United Concordia website at www.unitedconcordia.com
- Click on “Find a Dentist”. Choose “Elite Plus”
- Search by either your zip code, city, or your current dentist’s name
The resulting list will provide you with a current listing of all of United Concordia’s preferred dental providers that have agreed to save you money! This benefit is insured by United Concordia. Refer to your certificate of coverage or the master policy contract for exact provisions and specifications.
For Additional Information
New Enrollees can mail or email Enrollment Forms to:
Houze & Associates, Inc,
P.O. Bo 3070
LaGrange, GA 30241
kathyveal@houze.org
ID Cards and Provider Lookup
January 1, 2025:
MetLife online at www.metlife.com/mybenefits or call 1-800-438-6388