Ř Dental Plan Highlights

Everyone knows that regular dental care is the single most important factor in maintaining healthy teeth and gums. Unfortunately, dental care is expensive and we often postpone routine visits until a serious problem develops. Tetley’s Dental Plan, provided through MetLife, is designed to encourage you and your family to develop a routine practice of good dental hygiene to keep those teeth and gums healthy.
Your Direct Link To MetLife You can visit the MetLife Website and directly access more information about your benefits. You can find a dentist in your area by specialty, download claim forms, and see Frequently Asked Questions. You do not need to log in to get all of that information. Click on the logo below to go to MetLife. You may return to this site by simply closing the MetLife window.

www.metlife.com After connecting to MetLife's site, look for the Dental Center and Dental Benefits.
When Coverage Begins If you are a full-time, regular salaried employee you and your eligible family members can be covered under the Dental Plan on the first day of the month after you complete 30 days of service at Tetley. (Coverage may be delayed if you are not actively at work on the date coverage would otherwise begin.) Part-time employees may be eligible for coverage. Contact the Corporate Human Resources Department for more information.
  You may request coverage for yourself and your eligible family members by completing an enrollment form within 31 days of the date you first become eligible to enroll. If you do not enroll for coverage within this initial 31-day eligibility period, you will have to wait until the next annual Open Enrollment Period to enroll. Your dental coverage will then begin the following January 1.
Your Family’s Eligibility You may enroll your eligible family members in the Dental Plan. Eligible dependents are defined as:
  v Your spouse;
  v Your unmarried children from birth to age 19 (23 if the child is a full-time student) who depend wholly on you for support and maintenance (covered through the end of the month in which they reach age 19 to 23); and,
  v Your physically or mentally handicapped children over the age of 19 who are incapable of self-support, provided both the disability and the child’s coverage under the Dental Plan began before age 19.
  Your "children" include your natural children, legally adopted children, foster children and stepchildren who live with you are unmarried, and depend on you for support and maintenance.
Late Enrollment If you do not enroll in the Dental Plan when you are first eligible (at time of hire) coverage can be added for yourself and eligible family members if certain events occur, namely:
  v You and your eligible dependents were covered under your spouse’s dental plan and your spouse lost coverage due to termination of employment or termination of the dental plan.
  v You were covered under your spouse’s dental plan and you divorce.
  v You marry.
  v Birth or adoption of a child.
Cost You and Tetley share the cost of your coverage - you pay 20% of the cost and Tetley pays 80%. The amount of your monthly contribution depends on the type of coverage you elect (Single or Family).
  Contact Your HR, Incorporated at (908) 537-9300 for current costs.
  Like your Medical Plan contributions, your Dental Plan contributions are made with before-tax dollars.
Preferred Dentist Program (PDP) Through MetLife’s Preferred Dentist Program (PDP), you’ll have access to a network of dentists who have agreed to provide services to Plan participants on a discounted basis.
  Each participating dentist is carefully screened by MetLife before being selected, so you’re sure to receive the highest quality care possible. Plus, MetLife continually re-evaluates participating dentists to ensure they continue to meet the high standards of the program.
  Of course, you can choose to use any dentist you want and receive benefits under the Dental Plan. But if you use a non-participating dentist, your costs for covered services will be higher than if you see a PDP dentist.
Calendar Year Deductible You pay no deductible before benefits for preventive and diagnostic care begin. For other dental services and supplies, the deductibles are:

                                                Single: $25

                                                Family: $75
Coinsurance Once you’ve satisfied your calendar year deductible, the Plan will pay either 80% or 50% of the reasonable and customary charges for your covered dental expenses - depending on the type of service you receive.
Preventive and Diagnostic Care To encourage good dental health, the Dental Plan pays 100% of the reasonable and customary charges - with no deductible - for preventive and diagnostic care, including routine examinations and cleanings (once every six months), dental X-rays, fluoride treatments for children under age 18 (once every 12 months), and sealants for children under age 14.
Basic Services The Plan pays 80% of the reasonable and customary charges for major dental services such as extractions, fillings, crowns, root canal therapy and periodontal services.
Major Services The Plan pays 50% of the reasonable and customary charges for major dental services such as dentures and bridgework.
Orthodontia The Plan does not cover orthodontia procedures.
Calendar Year Maximum Benefit The maximum benefit you and each covered member of your family can receive from the Dental Plan in a calendar year is $1,500.
Pre-Treatment Review Before you begin a course of treatment for which charges are expected to be $300 or more, you should have your dentist complete a claim form and return it to the insurance company. This is called Pre-Treatment Review and it enables both you and your dentist to know exactly what charges the Plan will pay before you have the work done.
Coverage Limitations Certain exclusions and limitations apply to benefits provided by the Dental Plan. Contact Your HR, Incorporated at (908) 537-9300 if you have a question about your coverage.
Important Note The Company intends to continue the Dental Plan indefinitely, but reserves the right to change, suspend or discontinue the Plan or any provision, at any time.

Benefits/Highlights Brochure/Highlights Brochure-Dental (April 2002)RPG