Dental

Voluntary Dental Benefits

Give your clients and their employees something to smile about

With voluntary dental benefits from MetLife, you can help your clients meet their benefits objectives from both a cost and value perspective. We offer employers of all sizes a wide variety of cost-effective, flexible benefit plan designs and funding arrangements that include voluntary and employer-sponsored plans.

We understand how important dental benefits are to your clients and their employees. According to the Ninth Annual MetLife Study of Employee Benefits Trends:

• About one-quarter (24%) of employees ranked dental as one of their top three most important employee benefits; about half (49%) ranked dental as one of their top five

Products

Dental Preferred Provider Organization (DPPO) plans, including:

• Copay plans.² Help lower your clients' dental costs over time, while keeping their employees satisfied with flexible plan design options and cost-effective monthly premiums.

• Full Service Dental for Retirees. Your clients can enrich their retiree benefits with minimal administration and no benefit expense to their company. 

Managed Dental Plans, including:

• Dental HMO (DHMO) plans in California, Florida and Texas.

Indemnity plans. MetLife also provides a traditional fee-for-service dental plan giving your clients' participants the freedom to visit any licensed dentist in the country, regardless of whether he/she participates in any network, for covered services.

Options

Graduating Dental Benefits.³ These benefits encourage participants to maintain their dental coverage with MetLife and provide enhanced coverage to help ALL participants achieve and/or maintain good oral health.

MetLife Dental Health Manager^SM,4 MetLife's interactive, turnkey disease management solution specific to dental health that goes beyond education-only offerings.

Plan Choice. Dual and multi-option features are available on DPPO and DHMO plans.⁵

Funding arrangements, including:

• Voluntary and Employer-Sponsored options. MetLife offers a variety of voluntary dental plan designs for your clients, utilizing the DPPO⁶ and DHMO.
• Fully Insured and Self-Funded⁶ options.

Plus, we are continually integrating the latest market trends, clinical research and practice protocols into our standard plans to offer solutions to help you meet your clients' goals – with plans employees appreciate.

With MetLife voluntary dental benefits, you can feel confident your clients and their employees will receive a good value for their dental benefit dollars. Speak to your MetLife representative today to get started.

Dental benefit plans are available to employers based upon group size, underwriting and state requirements.

¹Ninth Annual MetLife Study of Employee Benefits Trends, March 2011

² MetLife PDP Copay plans are only available to groups with 1,000 or more eligible employees. Copay plans are not available in all states.

³ Available for groups with 10 or more eligible employees, excluding Copay plans and Full Service Dental for Retirees.

⁴ Available for groups with 1,000 or more eligible employees, excluding Full Service Dental for Retirees and DHMO benefit plans. Other restrictions may apply. Please contact MetLife for complete details.

⁵ DHMO/DPPO or DPPO/DPPO plans are available for groups with 25 or more eligible employees. DHMO/DHMO plans are available for groups with 10 or more eligible employees.

⁶ Available for groups with 10 or more eligible employees.

⁷ Self-funded programs are available to organizations with 1,000 or more eligible employees. DHMO plans are not offered on a self-funded basis.

Group dental insurance policies featuring the MetLife Preferred Dentist Program ("PDP") are underwritten by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166

Dental HMO/Managed Care plans are provided by: SafeGuard Health Plans, Inc., a California corporation in CA, SafeGuard Health Plans, Inc., a Florida organization in FL; SafeGuard Health Plans, Inc., a Texas corporation in TX. 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; and a "Single Service Health Maintenance Organizations" in Texas.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.