As a Texas physician, you’re aware of the correlation between oral health and your total health picture.
TMA Insurance Trust wants to help you achieve optimal health through our competitively priced dental plans, offered exclusively through MetLife. We offer top-quality plans with exclusive premium rates for TMA member physicians and their families. Whether you need single coverage or a plan that covers multiple dependents, we have a plan that can protect the entire family.
|Coverage Type||In Network||Out-of-Network|
|Type A — cleanings, oral examinations||100% of Negotiated Fee*||100% of R&C Fee**|
|Type B — fillings||80% of Negotiated Fee*||80% of R&C Fee**|
|Type C — bridges and dentures||50% of Negotiated Fee*||50% of R&C Fee**|
|Type D — orthodontia||50% of Negotiated Fee*||50% of R&C Fee**|
|Annual Maximum Benefit||In Network||Out-of-Network|
|Orthodontia Lifetime Maximum||In Network||Out-of-Network|
|Waiting Period: 12-month Waiting Period for Type C and Orthodontia.|
*Negotiated Fee refers to the fees that participating dentists have agreed to accept as payment in full, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.
**R&C fee refers to the Reasonable and Customary (R&C) charge, which is based on the lowest of (1) the dentist's actual charge, (2) the dentist's usual charge for the same or similar services, or (3) the charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.
***Applies only to Type B & C Services.
Like most group benefits programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife group representative for costs and complete details. Metropolitan Life Insurance Company, New York, NY L0316460559[exp0517][All States]
18% of children have untreated dental cavities or tooth decay.
The Centers for Disease Control and Prevention estimates 27 percent of adults ages 20-44 have untreated dental cavities or tooth decay. Almost eighteen percent of children ages 5 – 19 have untreated dental cavities or tooth decay. The number one reason cited for not resolving this issue is cost.
27% of adults have untreated dental cavities or tooth decay.
According to the National Institute of Health, periodontal disease is the most common cause of tooth loss among adults. Routine visits to a dentist can help prevent this.
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TMA Insurance Trust provides comprehensive coverage for all of your personal insurance needs as a Texas physician. Consider exploring these related product types to ensure your coverage portfolio is complete.