North Carolina Medical Society Employee Benefit Plan

Dental Program Plan Options

The North Carolina Medical Society Employee Benefit Plan and MetLife are pleased to offer Dental Benefits to Participating Employers.

• Dental Plan Summary Chart

> MetLife Group Dental Benefits

With more than 40 years of experience in providing dental benefits, MetLife is a driving force in the dental benefits industry. MetLife concentrates on dental benefits as a primary product affording us the ability to dedicate resources to maximize the value of our dental benefits program. Through this approach, MetLife is able to deliver value to employers, participants and dentists. This has helped MetLife become the largest U.S. commercial dental benefits administrator, serving nearly 21 million people.

> Freedom of Choice

All MetLife plans give your employees the freedom to choose any dentist -- even if that dentist does not participate in MetLife's Preferred Dental Program (PDP) network. They don't have to select a primary dentist and they are never locked into any specific dentist. Best of all, MetLife's leading network of dental providers includes more than 3,525 carefully screened dentists in North Carolina.

To find out if a dentist participates in MetLife's PDP, go to www.metlife.com/dental or call 1-800-ASK4MET (1-800-275-4638).

> MetLife Dental Plan Options

For employers participating in the NCMS, the plan options available offer choices in the type of Benefit Reimbursement. The benefits are limited to either the PDP (Preferred Dental Program) fee schedule or the R&C (Reasonable and Customary) charge.

PDP Fee Schedule: When benefits are limited to the PDP fee schedule, it means that benefits are paid based on the negotiated PDP (Preferred Dentist Program) fee. A negotiated fee refers to the PDP fee schedule which participating dentists agree to accept as payment in full. The plan may reimburse you for all or part of the PDP fee. Reimbursement depends on the plan chosen and the service rendered.

R&C: When benefits are limited to the R&C (Reasonable and Customary) charge, it means that benefits are paid based on the R&C charge determined for your area. The R&C charge 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 usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife. The plan may reimburse you for all or part of the R&C fee. Reimbursement depends on the plan chosen and the service rendered.

• NCMS Employee Benefits Plan and MetLife Dental Benefits Brochure