Dental Coverage

Dental Coverage

Incora offers dental plan options with varying levels of coverage. You may visit any dentist of your choice, but you’ll receive the highest coverage when you visit in-network providers. To find an in-network provider near you, call 1-800-942-0854 or visit www.metlife.com, click on “Find a Dentist” and select your network. If you are looking up a Dental HMO/Managed Care dentist, you will be prompted to select your plan from the drop-down menu. Select “MET185” for Incora’s DHMO plan.

The PPO Dental Plan:

  • Allows you to visit any dentist of your choice, but you’ll receive the highest coverage when you visit in-network providers
  • Requires a low annual deductible and coinsurance for select services

The HMO Dental Plan:

  • Is available to CA and TX residents only
  • Allows in-network coverage only
  • Requires you to pre-select an in-network primary care dentist to coordinate your dental care needs, including referrals. Each covered dependent may select their own dentist. Facility number will be required at enrollment.
  • Includes copays for qualified dental services

*For out-of-network services, members pay applicable coinsurance plus any amount exceeding the usual, customary, and reasonable charge.

Is My Dental Provider in MetLife’s Network?

Visit www.metlife.com to find a participating dental and vision providers.

  • The dental network offered by Incora’s Dental PPO Base and Dental PPO Buy Up plans is called “PDP Plus” network.
  • The dental network offered under the CA and TX DHMO plan is called “Dental HMO/Managed Care. If you are looking up a Dental HMO/Managed Care dentist, you will be prompted to select your plan from the drop-down menu. Select “MET185” for Incora’s DHMO plan.
  • The vision network offered by Incora’s Vision Base and Buy Up plans is called “MetLife Vision PPO”

I’m Switching to an Incora Dental Plan – What if I am in the Middle of Orthodontia Treatment?

If you are currently in active orthodontic, endodontic or prosthodontic treatment that is expected to continue into 2021, contact TouchCare or MetLife to discuss your specific situation. You will need to complete a Request Form to transition ortho under Incora’s DHMO. 

If you are enrolling in Incora’s DPPO Buy-Up, MetLife might already have your ortho history. MetLife will work with your dental provider to obtain any history of the ortho work completed prior to January 1, 2021.

Note: Orthodontia is covered under the Incora Dental Buy Up PPO and Dental HMO (available in CA and TX only), but there is no Ortho coverage under the Incora Base PPO. Review benefit summaries carefully before you enroll.

For questions, contact your TouchCare Personal Benefits Assistant by calling 1-866-486-8242 or emailing assist@touchcare.com.

You can also contact MetLife at 1-800-942-0854 for your dental needs.

Dental Plan Documents

For additional details regarding your dental coverage, please review the documents below: