Benefits
Understanding your benefits will help you know what procedures are covered and how much you may pay for them when you go to the doctor. All this information is outlined in your Schedule of Benefits. Learn more about how to download and read your Schedule of Benefits or learn more about MetLife’s various products and services on this page.
Download your Schedule of Benefits (SOB)
The information about your benefits, covered services, and how much they cost is outlined in your Schedule of Benefits. Every Schedule of Benefits is different, so you can find yours on our website, eBenefits. To find it, login to eBenefits and:
- Click the “Documents and Forms” tab.
- In the Category box, select “Policy Documents” from the dropdown.
- In the Subcategory box, select “Schedule of Benefits” from the dropdown.
- Click the Search button.
Your Schedule of Benefits will appear. Click the most current version to download the PDF.
What
The key things you should look for in your Schedule of Benefits are your deductible, coinsurance, and out-of-pocket maximum. Keep in mind, these may vary depending on your location; for example, they may be different internationally vs. in the US.
Deductible
- A flat amount that an insure must pay before the insurance company will make any benefit payments under a health insurance policy.
Coinsurance
- The amount of eligible expenses the insured is responsible for paying after any applicable deductibles are met.
Out-of-pocket maximum
- The most you must pay out-of-pocket until the plan pays for everything at 100%.
Services included with Life
The following services can be included with Life plans. Check your Schedule of Benefits to see if these products and serviced are included in your plan.
1. You are still responsible for any copays, coinsurance, or deductibles based on your plan design