PNB MetLife Dental Care Plan

It is generally recognized by healthcare practitioners that oral health plays an important role in overall health.
However, like general health care, the costs of dental care can be expensive. Dental Care can be as simple as routine clean up or fillings or root canals, tooth extractions which can be quite expensive on your pockets.
On the other hand, dental insurance plan is low on cost and very affordable with 100% payment by Insurance for consultation and clean-ups.

Dental radiographs are extremely safe as the level of radiation is very low. They are essential diagnostic tools to detect hidden tooth decay & infection in the mouth.With the help of dental radiographs, dentists can visualize the structures beneath the gums.

Dental fillings are used to restore the tooth back to its original structure before decay. Firstly, dentists will remove the decayed tooth matter. After thorough cleaning, the dentist will then restore the tooth with a dental filling material most suitable for the location of the tooth.

Root Canal Treatment is a dental procedure to remove infected tissue in the tooth and then sealing it up to prevent re-infection. A Root Canal Treatment can save a natural tooth from being extracted.

A surgical extraction is required if the tooth is impacted and buried within the gums. In some cases, an extraction may require surgery if a root tip is broken deep inside the gums. The dentist will use a blade to make an incision in the gums to expose the bone. A dental drill is used to remove bone or cut the tooth to allow easy removal. Once the complete tooth has been removed, the dentist will suture the wound.

Is a dental filling material used to fill cavities caused by tooth decay

It is defined as medically necessary services to restore accidental damage of sound, healthy and natural tooth to most approximate pre-accident form and function.

It is a flexible paste, that is used to form a tight seal between the internal tooth and surrounding environment

It is a dental material used for treatment of cavity

It is details of the Upper and lower teeth in one area of the mouth. X-ray shows a tooth from its crown (the exposed surface) to the level of the supporting bone.

Is a survey of whole mouth consisting of 14-22 periapical and posterior bitewing images.

It is a 2-dimensional dental x-ray examination that captures the entire mouth in a single image, including the teeth, upper and lower jaws, surrounding structures and tissues

Simple Extraction means anesthetic given, after numbness set in, dentist extracts the tooth without any complications.

Whereas, Complicated Extractions means anesthetic given, after numbness sets in, dentists perform the extraction but has difficulty in removing the tooth.

Professional cleaning involves the removal of dental plaque & tartar. Dentists recommend having your teeth cleaned twice a year to maintain good oral health.

There are many instances in which a tooth needs to be removed. One of the most common reasons is irreparable damage due to extensive decay, severe gum disease or trauma. Another reason to remove teeth is to eliminate overcrowding.

• Fractured or chipped tooth
• Dislodged tooth
  
• Fracture of bone & displacement of teeth
  

No, Dental plan offers customer cashless and seamless services only under chain of network providers approved by PNB MetLife.

In case of emergency or accidents customer can avail treatment outside network and can proceed under reimbursement process.

We have 300+ clinics across Mumbai, Delhi NCR and Bangalore. Details of clinics and their address can be viewed on our website.

To book an appointment:

1. Go to Onsite Appointments under Appointments tab of the PNB MetLife eCard (App). 

2.  You will be asked to provide your preferred provider (location and doctor) and two (2) options for your time availability

3. Indicate your requested treatments. If unsure, you may request for a consultation first. An PNB MetLife representative may reach you through phonecall upon receipt of your inquiry to clarify requested treatments.

4.  Status of your appointment request will appear on your app within 45 minutes. A notification will also be sent to your e-mail. 

Appointments may be requested at any time but they will be processed only within the usual operating hours. See back of your eCard (App) to know more of the operating hours of PNB MetLife. 

For appointment cancellation, you may call our dedicated Customer Service hotline. Cancellation of appointment is currently not doable in your eCard (App).

For emergencies, you may opt no to book an appointment and proceed immediately to the clinic of your choice. Corresponding Emergency Dental Services Benefits will apply.

For Emergency Palliative Treatment obtained either at an In-Network Dentist or an Out-of-Network Dentist, you will have to pay the costs first and submit the necessary claim documents to PNB MetLife for reimbursement of the expenses incurred.

There is no need to mail the original documents once a copy of those have already been submitted via the DentalCare-PMLI (App). 

1. Please fill out Section A with the policy holder’s  information and Section E for bank account details.

2. Seek assistance from the clinic to provide you the treatment done on Section C.

3. Ask the clinic for a Clinic Stamp, Name and Signature of attending Dentist on Section D of the claim form.

To file a claim for treatments that you initially paid to the providers:

1. Make sure that you have all your claim documents ready.

2. Go to Insurance and My Claims

3. Click Submit claim. 

4. Attach required documents. These can be photo or files in other format like Word or PDF. 

5. Click submit. 

6. The status of your claim is submitted once all required documents are attached. 

7. Go to Claims List to see the claim that was submitted and the status. Please allow 14 business days for the actual processing of your claim documents and another 14 business days for the actual remittance of claims payment for approved claims. 

Claim should be submitted at the earliest after your visit to the dentist that is not part of the PNB Metlife panel. Delay in claim submission may lead to delay in claim processing in case required documents are misplaced or are not available.

Different Claims Status:

1. Submitted - claim request is successfully submitted for processing.

2. In process - PNB MetLife Claims team have started evaluating the claims request.

3. Pending/ Information Required  - PNB MetLife Claims team need further documents or information to process your claim. At this point, "Add supporting documents" is enabled for you to attach the documents/information required by PNB MetLife. Once received, your claim will again have a status of In Process.

4.a. Denied - Claim has been processed but is Denied. See Explanation of Payment attached on the status to view the reason for the denial.

4.b. Approved - Claim has been processed and is Approved and is ready for payment. See Explanation of Payment attached on the status to view details of the approval. Not all treatments may be approved for payment for some reason explained din the Explanation of Payment.

5. Settled - Approved claims will have a subsequent status of Settled to note that claim has been paid.

Explanation of Payment is the detailed explanation of the result of your claims request. This also shows the explanation of why some treatments may be denied (look for Exception Codes).

The allowed amount per procedure is the maximum payable price for the treatment. which is based on your policy's benefit schedule. Any amount above the policy benefit schedule will be payable by you, the customer.