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Dental Plan Summary – MetLife


                       Using an In-  Network provider is encouraged. Out-of-       Dental Plan
                                                          th
                       Network benefits are reimbursed in the 90  percentile of
                       the UCR (usual, customary, and reasonable)

                       Annual Deductible*                                             $50
                       Individual
                       Family                                                        $150
                                                                                 Dental Plan
                       Office Visit Copay                                             N/A

                       Annual Maximum Benefit                                        $3,000
                       Preventive Services: *oral exam, cleanings,                   100%
                       bitewing x-rays, etc.
                       Basic Services: *composite fillings,
                       prefabricated crowns, root canals, etc.                        80%
                       Major Services: *bridges, dentures, implant                    50%
                       services, etc.
                       Orthodontic Services (Adult and Child)                         50%
                       Orthodontic Deductible                                        None
                       Orthodontic Lifetime Maximum                                  $3,000

                       *There are frequency limitations in place

       Vision Plan Summary – NVA
       Contacts and Eyeglass Lenses available in the same year

                                                                  NVA Vision Plan
                         Using an In-Network provider is
                         encouraged.                              In-Network             Out-of-
                                                                                        Network
                           Examination
                                                                                              1
                           (once every 12 months)                 $10 copay               $45
                           Focuses on your eye health
                           and overall wellness
                           Lenses
                           (once per calendar year)
                                                                                              1
                           Single                                 $25 copay               $30
                                                                                              1
                           Bifocal                                                        $50
                                                                                              1
                           Trifocal                             *Covered 100%             $65
                           Progressives                         *Covered 100%
                           Anti-Reflective Coating
                           Frames
                                                                                              1
                           (once every other                $150 allowance; 20%           $70
                           calendar year)                    off amount over $150
                           Wide selection of frames

                           Contact Lens Care                 $140 Allowance; 15%
                           (once every 12                  discount (conventional) or
                                                                                              1
                           months) Elective                10% discount (disposable)      $105
                           Contacts Lenses                   off amount over $140


                                                                   $20 Copay               N/A
                           Fit/Follow Up
                           Standard daily wear, standard
                           extended wear, specialty wear       6
                        *After materials copay 1=maximum reimbursement
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