Dental Insurance

BankUnited offers two dental plans, a DHMO and a PPO plan, to eligible employees through MetLife. All plans provide the same full coverage for preventive care services. To enroll in any of these plans during an eligible timeframe (i.e. Open Enrollment, New Hire Enrollment, or Qualifying Life Event) log in to ADP Employee Self Service Portal.

Dental Plans

MetLife DHMO Plan

MetLife Dental PPO

MetLife Dental PPO	IN-NETWORK:
Annual Deductible	N/A
Individual	N/A
Family
Annual Maximum	Unlimited
# of Routine Cleaning Per Year	2 Per Year
Prevention & Diagnostic
Exam	Fee Schedule
Cleanings	Fee Schedule
Fluoride	Fee Schedule
X-Rays	Fee Schedule
Regular Restorative Services
Amalgram Fillings	Fee Schedule
Extractions - Single Tooth	Fee Schedule
Endodontics (Root Canal)	Fee Schedule
Periodontics (Gum Disease)	Fee Schedule
Major Services
Crowns	Fee Schedule
Bridges	Fee Schedule
Dentures	Fee Schedule
Orthodontics
Child and Adults	Fee Schedule

*Fee schedule is included in Plan Package Below

Things to know:

Only Available in Florida and New York.
All (non-preventive) services have a fixed copay as listed in the fee schedule (price list).
There is no deductible.
Participants must designate a primary care dentist that will manage overall care.
Dental providers that participate in the DHMO network are limited.
No out of network coverage available.

Resources

HMO Dental (Florida) Plan Package – This packet from MetLife provides a wealth of information regarding the plan. It includes an overview of how the plan works, covered and excluded services, FAQ’s, and the Schedule of Benefits (Fee Schedule/Price List).
HMO Florida Provider Directory – A list of providers that accept the DHMO dental plan in the state of Florida. Be sure to always confirm with providers that they are still participating in the HMO network at the time of your appointment. Or go to MetLife.com for the most up-to-date listings.
HMO Dental (New York) Plan Package – This packet from MetLife provides a wealth of information regarding the plan. It includes an overview of how the plan works, covered and excluded services, FAQ’s, and the Schedule of Benefits (Fee Schedule/Price List).
HMO New York Provider Directory – A list of providers that accept the DHMO dental plan in the state of Florida. Be sure to always confirm with providers that they are still participating in the HMO network at the time of your appointment. Or go to MetLife.com for the most up-to-date listings.

MetLife Dental PPO	IN-NETWORK:	OUT-OF-NETWORK:
Annual Deductible	$50	$50
Individual	$150	$150
Family
Annual Maximum	$1,500	$1,500
# of Routine Cleaning Per Year	3 Per Year	3 Per Year
Prevention & Diagnostic	Deductible Waived	Deductible Waived
Exam	100%	100%*
Cleanings	100%	100%*
Fluoride	100%	100%*
X-Rays	100%	100%*
Regular Restorative Services	Deductible Applies	Deductible Applies
Amalgram Fillings	80%	80%*
Extractions - Single Tooth	80%	80%*
Endodontics (Root Canal)	80%	80%*
Periodontics (Gum Disease)	80%	80%*
Major Services	Deductible Applies	Deductible Applies
Crowns	50%	50%*
Bridges	50%	50%*
Dentures	50%	50%*
Orthodontics
Child and Adults	To age 26, 50% to Lifetime Max of $1,000	To age 26, 50% to Lifetime Max of $1,000