This post was sponsored by the MetLife TRICARE Dental Program as part of an Ambassador Program for Influence Central.
Over the past few months I’ve shared information about the MetLife TRICARE Dental Program within posts to help you protect your children’s teeth and keep your finances in order. While those posts were meant to help all of my readers, today’s post is specifically for my readers who are military family members.
Both I and MetLife TRICARE want to make sure that military families are taking full advantage of the dental benefits available to them. We know it isn’t much fun (and you don’t have the time) to read through benefits booklets or dig through dozens of web pages to navigate to the information you need. That’s why we partnered to bring you this information in a way that fits your busy lifestyle.
In “Why You Should Perform an Annual Financial Check-Up,” I shared reasons for and tips to review your finances each year, including evaluating your insurance plans. I also shared MetLife TRICARE’s new rates and how to enroll if you weren’t already signed up with the dental plan.
In “How to Protect Your Children’s Teeth,” I shared practical ways to protect children’s teeth at all ages along with information on how MetLife TRICARE helps you cover the most common costs associated with dental hygiene.
In this third, and final post on MetLife TRICARE Dental (TDP) benefits, I want to highlight some of the benefits and features of the program that you might not know about, but should in order to choose it as your dental plan with confidence.
Things You Might Not Know About TRICARE Dental
As military families, we move around a lot, often to remote locations. One of the great benefits of using TDP is that it is one of the largest civilian dental networks. There are over 250,000 locations in the network so no matter where the military sends you, you will likely have access to a network provider.
The most important thing you NEED to know is that just because you’re a military family and are enrolled in TRICARE medical, you’re not automatically enrolled in TDP. To receive dental coverage you have to enroll. Luckily, it’s easy to enroll. Just choose one of these 4 options:
- Online visit www.tricare.mil/bwe
- Call 1-855-638-8371 CONUS, 1-855-638-8372 OCONUS, or 1-855-638-8373 TDD/TTY
- Fax a completed Enrollment Authorization document (found onwww.tricare.mil/tdp) to 1-855-763-1337
- Mail a completed Enrollment Authorization document to MetLife TRICARE Dental Program, P.O. Box 14185 Lexington, KY 40512
Since you aren’t automatically enrolled, you aren’t required to carry TDP, but you’ll probably want to since it offers these benefits:
- Competitively priced premiums
- No annual deductibles or co-payments
- Low or no-cost shares on dental services
- $1,200 Accidental Annual Maximum per beneficiary that is separate from the $1,300 plan annual maximum – This means that even if you hit the $1,300 annual maximum for dental services for one of the beneficiaries, he or she will still be covered for another $1,200 in the event of an accident (e.g. sport injury, falling on the playground).
I can vouch for the cost savings compared to other plans. We currently have temporary custody of a child who is covered under a different insurance company since he isn’t our legal dependent. During a recent trip to the dentist, our co-pay for his filling was double the cost of what it would have been for any of my other children who are covered under TRICARE.
Finally, using TDP doesn’t prevent you from carrying other dental coverage so if you have coverage from another plan, TDP will coordinate with the other insurance carrier. Just make sure to compare the plans on your own too, to make sure you get the best coverage and lowest out-of-pocket costs.
More About Tricare Dental
For additional program information, visit www.metlife.com/tricare or call the toll-free customer service number at 1-855-638-8371.