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A Reason to Smile
Get some simple tips to find the right dentist. Don’t wait until a problem forces you into the dentist’s chair!
Dental Insurance
Didyouknow
Keep Your Smile and Your Bank Account Healthy
Whether you’re in need of routine cleanings, braces, or a filling, a solid dental plan makes it easier for you to help protect your smile and your budget.1
- Routine visits to the dentist help prevent costly dental bills later on, as well as problems linked to medical conditions like diabetes or heart disease.2
- If you have a choice of plans, consider your oral health needs and ability to pay for unexpected major services, like a crown.
- If you have children, consider more comprehensive coverage for less out-of-pocket costs, as well as an option for braces.
What type of information are you looking for?
Our Products
PPO Plans
Choose from a large network of dentists and oral care specialists to find the right provider for you and your family.
HMO/Managed Care Plan
Comprehensive coverage that protects your oral health and your wallet. Now that’s something to smile about!
MetLife TakeAlong Dental
Need a dental program that stays with you? This on-the-go dental coverage protects your smile and savings, everywhere.
Dental Insurance for Veterans
Our Veteran Affairs Dental Insurance Program (VADIP) is just for veterans who served in the US military and their families.
Federal Dental Plan (FEDVIP)
Dental coverage for US federal employees is also for retired uniformed service members and their families.
PPO plans provide benefits for a broad range of covered services/procedures, giving you the flexibility to choose any licensed dentist, in or out of network.3
- Expansive network of dental providers
- More savings when you stay in-network1
- No paperwork; in- or out-of-network dentists who submit your claims
- Convenient service via MetLife’s secure member website
- Preventive care is often covered 100%, in-network
Ask your employer about MetLife Dental Insurance.
Pair comprehensive coverage and great savings4 with our HMO/managed care network. Only available in CA, FL, NJ, NY, and TX.
- Large network of participating dental providers to choose from
- Preselect a dentist when you enroll
- Hundreds of services offered at costs that may be lower than typical dental fees4
- No deductibles to meet and no claims to submit
Ask your employer about MetLife Dental Insurance.
Finding the right insurance to keep your smile healthy has never been easier for your mind and your wallet. MetLife gives you the information necessary to feel confident in your choices.
Moresavingsinyourwallet
Some highlights (high plan example):
- $3,000/$3,500 annual plan maximum per person
- No annual deductible for in-network benefits
- Orthodontia coverage for children up to age 19
Get comprehensive coverage and access to one of the nation’s largest dental networks
- More Coverage
- More Savings
- Highly Satisfied Members
Dentalinsurancethat
Carlos and Robyn discuss the benefits of having dental insurance and why it’s important to them.
DID YOU KNOW?
Dental issues are painful and expensive. Did you know that a crown can cost up to $1,535?6
Why MetLife
Extensive provider network
The MetLife dental network includes thousands of providers, so finding the right dentist is easy.
Flexibility to see any dentist
Our plans give you the flexibility to visit providers in or out-of-network.3 Most cleanings and exams are covered 100%.
Cost savings
As a MetLife member, take advantage of our negotiated fees, typically 30 - 45% less than the average5
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Need Help?
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Dental Insurance FAQs
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What is the MetLife Preferred Dentist Program?
MetLife’s Preferred Provider Organization (PPO) plans feature the MetLife Preferred Dentist Program, which is designed to save you money on dental services.1 You can choose from thousands of participating general dentists and specialists nationwide. Plus, you will enjoy lower out-of-pocket costs for in-network services, freedom to use any dentist, and less paperwork.
What is a participating dentist?
A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 30 - 45% less than the average charges in a dentist’s community for similar services.2 Negotiated fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing, and benefit maximums. Negotiated fees are subject to change.
How do I find a participating dentist?
You can find the names, addresses, specialties, languages spoken, and telephone numbers of participating dentists in a given area by searching our online directory – Find A Dentist.
| Can I buy coverage for myself and my family if I don’t have dental insurance at work? |
Yes. MetLife TakeAlong DentalSM offers coverage that you can buy on your own and take from one job to the next.
What if I need emergency care?
All dental offices that participate in the network provide instructions on how to access emergency care 24 hours a day, 7 days a week. If you cannot reach your selected participating dentist, you may receive emergency care from any licensed dental care professional. The definition of what is considered “emergency care” and other specifics can be found in your policy, Certificate of Insurance, Evidence of Coverage or Summary Plan Description.
What if I have an HMO plan and I need to see a specialist?
If your selected participating dentist determines that you need specialty care, you have access to a network of specialty care providers. Most plans are direct referral plans, which means your selected participating dentist will provide you with the name of a network specialist. No preauthorization is required. You can call the specialist directly to schedule your visit.
Any copayment amount for specialty services is listed in your Schedule of Benefits.
NEXT STEPS
Contact your employer for more information.
FAQ FOOTNOTES
1 Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered.
2 Based on internal analysis by MetLife.
LEGAL FOOTNOTES
1 Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered.
2 American Dental Association; Dentists: Doctors of Oral Health, American Dental Association, Chicago, IL, http://www.ada.org/en/about-the-ada/dentists-doctors-of-oral-health. Accessed February 1, 2021.
3 Your out-of-pocket costs may be greater when you visit a dentist who does not participate in the MetLife network.
4 Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often members visit the dentist and the cost of services rendered. Office visit co-payment may apply. Please refer to your schedule of benefits.
5 Based on internal analysis by MetLife. Negotiated fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefit maximums. Negotiated fees are subject to change.
6 Based on MetLife data for a crown (D2740) in ZIP code 06340. This example is used for informational purposes only. Fees in your area may be different.
Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166.
Dental Managed Care plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation, in NY. Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc. a California corporation, in CA; SafeGuard Health Plans, Inc. a Florida corporation, in FL; SafeGuard Health Plans, Inc., a Texas corporation, in TX; and MetLife Health Plans, Inc., a Delaware corporation, and Metropolitan Life Insurance Company, a New York corporation, in NJ. The Dental HMO/Managed Care companies are part of the MetLife family of companies. “DHMO” is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: “Specialized Health Care Service Plans” in California; “Prepaid Limited Health Service Organizations” as described in Chapter 636 of the Florida statutes in Florida; “Single Service Health Maintenance Organizations” in Texas; and “Dental Plan Organizations” as described in the Dental Plan Organization Act in New Jersey.
Dental benefits are provided by Metropolitan Life Insurance Company (MetLife) or an affiliate of MetLife. Certain administrative services are provided by Careington Benefit Solutions, Frisco, TX (Careington). Careington is not affiliated with MetLife or its affiliates. In certain states, availability of the individual dental product is subject to regulatory approval.
Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact your plan administrator for costs and complete details.