Overview
Taking care of your teeth and eyesight are important to your overall wellness. Regular dental and vision exams not only keep your teeth, gums and eyes healthy; they can also reveal early signs of other health conditions.
Maximize your health, while minimizng costs through Metlife - Dental, you have coverage for preventive care and dental treatment.
Providing one of the largest networks of vision providers in the U.S., WSP offers vision benefits through VSP to ensure you and your family have access to quality eye care.
Dental Coverage
WSP USA's dental benefits offer you and your family affordable options for maintaining your overall health. Coverage is provided through Metlife - Dental and you have two plans to choose from:
- Basic Plan
- Enhanced Plan
You can enroll in dental coverage as a new hire, during Open Enrollment, or if you have a Qualifying Life Event.
Key features
Our dental coverage provides:
Free in-network preventive care
to help keep your teeth healthy.
Affordable coverage
that helps you manage the cost of dental treatment.
Wide network of providers
that have agreed to negotiated rates, which helps you save money.
The benefits shown below are for in- and out-of-network providers. However, all out-of-network services are subject to Reasonable and Customary (R&C) limitations, which means you may owe the difference between your dentist’s charges and the amount paid by your plan. Maximize your dental benefits by utilizing an in-network dentist.
Note: An Advance Claim Review (pre-estimate) is recommended berfore you start a course of dental treatment that is expected to cost $300 or more.
| Basic Plan | Enhanced Plan | |
|---|---|---|
| In-network benefits | ||
| Individual/family deductible | $100/$300 | $50/$150 |
| Annual maximum benefit | $1,000 | $2,000 |
| Out-of-network benefits | ||
| Individual/family deductible | $100/$300 | $50/$150 |
| Annual maximum benefit | $1,000 | $2,000 |
| Services (in-network/out-of-network) | ||
Preventive
|
Covered 100% | Covered 100% |
Basic Restorative Services
|
You pay 30% | You pay 20% |
Major Restorative Services
|
You pay 50% | You pay 50% |
| Orthodontia (for dependent children up to age 26 only) | Not covered | You pay 50% |
| Orthodontia Lifetime Maximum | N/A | $1,500 |
| Dental Implants | Not covered | You pay 50% |
| TMJ | Not covered | You pay 20% |
| TMJ Maximum | N/A | $1,000 |
Vision Coverage
WSP USA offers you vision benefits through Vision Service Plan (VSP) to ensure that you and your family have access to quality eye care.
Key Features:
- Annual eye exam for only a $10 copay in-network
- No cost for single vision, bifocal, or trifocal lenses in-network
- Frames covered up to $200 for featured frame brands or $150 for other brands; after the allowance, a 20% discount applies
- Contact lenses (in lieu of glasses) covered up to $150
- Mail order service on contact lenses at guaranteed lowest prices
- Discount on laser vision correction
VSP has one of the widest networks of vision providers in the U.S. When you use a VSP network doctor for an eye exam or to purchase eyeglasses, you pay less than if you go outside the network. In addition, VSP doctors take care of all your paperwork—there are no claims to file.
If you do not use a VSP doctor, you will receive an allowance toward your incurred expenses. You pay for services when you receive them, then submit a claim for reimbursement from the plan. Claims must be filed within six months from the date of service.
To locate VSP providers, go to VSP and use group number 30100123.
Coverage details
| In-network benefits | Your coverage with a VSP provider |
|---|---|
| Exam | Every calendar year; $10 copay |
| Prescription glasses | $0 (See frame and lenses) |
| Lenses | Every calendar year |
| Single vision | Included in prescription glasses |
| Lined bifocal | Included in prescription glasses |
| Lined trifocal | Included in prescription glasses |
| Lens enhancements (average savings of 30% on other lens enhancements) | Every calendar year |
| Standard progressive lenses | $0 copay |
| Premium progressive lenses | $95–$105 copay |
| Custom progressive lenses | $150–$175 copay |
| Frames | Every calendar year (included in prescription glasses)
|
| Contact lenses (instead of glasses) | Every calendar year; $150 allowance |
| Diabetic Eyecare Plus Program: Retinal screening for members with diabetes. Additional exams and services for members with diabetic eye disease, glaucoma, or age-related macular degeneration. Limitations and coordination with your medical coverage may apply. Ask your VSP doctor for details | As needed; $0 copay, $20 per exam |
| Extra Savings: | |
| Glasses and Sunglasses |
|
| Routine Retinal Screening |
|
| Laser Vision Correction |
|
Decided Not to Elect Vision Coverage?
No problem. VSP offers you access to a Vision Savings Pass Discount Program, which you and your family can use for basic vision care services. With reimbursements up to 25% off prescription glasses, 15% off contact lenses and a $50 copay for a vision exam, this program can meet your immediate needs.
To learn more about this program or locate a VSP network doctor, visit http://www.vsp.com or call 1-800-877-7195* and simply let them know you are a VSP member.
Eligibility and How to Enroll
To learn more about benefits eligibility and how to enroll in your benefits, visit Eligibility and How to Enroll.
Employee Premiums
DENTAL PLAN BIWEEKLY PREMIUMS (PRETAX)
| Basic Plan | Enhanced Plan | |
|---|---|---|
| Employee Only | $4.31 | $14.69 |
| Employee + Spouse/Domestic Partner* | $9.47 | $32.32 |
| Employee + Children | $10.34 | $35.23 |
| Employee + Family | $14.64 | $50.00 |
VISION PLAN BIWEEKLY PREMIUMS (PRETAX)
| VSP | |
|---|---|
| Employee Only | $2.81 |
| Employee + Spouse/Domestic Partner* | $5.61 |
| Employee + Children | $5.89 |
| Employee + Family | $8.03 |
*Premiums for domestic partners and their eligible dependents are subject to applicable IRS regulations with after-tax deductions and imputed income.