LACERS offers you two types of dental plans – the MetLife PPO and the SafeGuard HMO Plan.
Regardless of your dental plan choice, please contact your plan’s member services prior to receiving major dental treatment to ensure that the services are covered under the plan.
Under the MetLife PPO plan, you may choose to see any dentist you wish. After meeting your deductible you pay for a certain percentage (known as co-insurance) of each covered service. If you go out-of-network, you also pay any amount your dentist charges above the Reasonable and Customary Rate. The plan will pay benefits up to the Annual Maximum Benefit in a given year. You will receive a greater benefit and will have lower out-of pocket costs if you seek care from a dentist who is part of MetLife’s preferred network. MetLife has contracted with these dentists to reduce their fees for you.
With the SafeGuard HMO Plan, you select a primary dentist from SafeGuard’s network. For each covered service, you pay a pre-determined copay. For specific benefit information, contact SafeGuard for a schedule of benefits.
*SafeGuard is only available in selected parts of Nevada.