Citi Benefits Handbook
Predetermination of Benefits
MetLife recommends that you obtain a predetermination of benefits before undergoing any procedure that will cost more than $300. By requesting a predetermination of benefits, you will know in advance how much you will be responsible for paying. Then you can choose whether to continue with the more expensive treatment or the alternative procedure.
If you do not request a predetermination of benefits, you may find that the Plan will pay less than you anticipated or nothing at all, depending on the procedure and treatment provided.