Page 16 - Benefits-Guide-2020

Dental
Plans
We frequently hear from our fellow Delta retirees about the importance of quality dental coverage, especially when they learn that Medicare does not cover most dental care including cleanings, fillings, or dentures. That’s why we selected two dental plan options for our members, each from a nationally-recognized insurer.
MetLife Dental PPO
The MetLife Dental PPO gives you supreme flexibility to choose any
dentist you want regardless of his or her participation in MetLife’s network. And, when you use an in-network dentist, many procedures, like preventive care and x-rays, may be 100% covered.
For more complex services, including fillings, root canals, and restorative services, you’ll be responsible for a deductible and a percentage of the cost. For details about the MetLife Dental PPO, review the Summary of Benefits on page 40 in this booklet.
Cigna Dental HMO
We selected an HMO-style dental plan from Cigna to provide Insurance
Trust members with a highly affordable option that covers nearly all dental services when you use an in-network dentist and pay a predetermined copayment.*
The Cigna Dental HMO has no yearly maximum benefit, and you don’t have to reach a deductible before accessing your benefits. Plus, most preventive services, such as routine teeth cleanings, require no copayment at all.
*Out-of-network visits are not covered. You must designate and use a participating provider for benefits. This plan is not available to you if you reside in the state of AK, HI, ID, ME, MT, NH, NM, ND, PR, RI, SD, VI, VT, WV, or WY.
For important contact information, don’t forget to access our directory on page 25.
16 | Insurance Trust For Delta Retirees | 2020 Benefits & Resources Guide