If you are enrolled in the Dental Care Plan as a regular staff or faculty member, coverage ends on the last day of the month in which you retire from employment.
When you retire you have the option to enroll in a MetLife Retiree Full Service Dental Plan contracted by the University for eligible retirees or continue coverage in the employee dental plan through COBRA for up to 18 months.
You will receive a packet of information and enrollment materials directly from MetLife regarding its retiree full service dental plan coverage. The packet will include more detailed information on the plans, the premium rates which are based on your home zip code, as well as instructions on how to enroll.
If you choose to enroll in MetLife’s dental plan, you can disregard the COBRA information you will receive in the mail from Crosby Benefit Systems about continuing your employee dental insurance.
You will be offered a one time opportunity only to enroll with MetLife. If you do not elect coverage at the time you retire, you will be unable to elect coverage at a future date. And, if you choose to terminate the coverage with MetLife, you will not be given an option to elect the coverage again.
Continuing Employee Dental under COBRA
Under COBRA, a federal law, you and/or your enrolled dependents may continue to participate in your employee dental plan for up to 18 months. In addition to your current monthly premium, you will also pay a two percent administrative fee. You can read about how COBRA works in more detail on our COBRA
MetLife Retiree Full Service Dental Plan
At the time you retire, you may elect to enroll and participate in a MetLife retiree full service dental plan for you and your eligible dependents. Princeton University has partnered with MetLife to administer its retiree full service dental plans to our eligible retirees and offers two options for dental coverage. They are:
- Option 1 — covers preventative and basic dental treatment, like cleanings, X-rays and fillings.
- Option 2 — covers some of the major, more expensive procedures like crowns and dentures in addition to preventative and basic services.
With MetLife you will have the option of visiting any dentist that is part of MetLife’s Preferred Dentist Program (PDP), or you may go out-of-network to visit any dentist of your choice. If your dentist participates in the PDP program, MetLife has negotiated fees for all services that will help save you money.
MetLife VisionAccess Program
As a participant in the MetLife Retirement Dental Plan, you can now take advantage of the MetLife VisionAccess program. You and any covered dependents will receive special discounts on vision care, as well as access to a nationwide network of service providers – all at no additional cost.
Some of the many discounts include:
- 20% off exams, 15% off contact lens exam
- 20% off lenses and additional lens options
- 25% off frames
- 20% off non-prescription sunglasses
You don’t have to register or complete any forms to enjoy the benefits of the VisionAccess program. To receive your discounts, simply provide the program code, MET2020, to a participating provider and enjoy the savings. You can find participating providers and more details by visiting MyBenefits (if you have not registered on MyBenefits, you may be prompted to register, which takes just a few minutes).
You can count on support from knowledgeable and responsive HR staff when you have a benefits question or problem. Just call or e-mail us. We’re here to help!
While the University intends to continue each of the benefit plans, the University reserves the right to terminate or amend any plan, at any time, and for any reason.