Voluntary Benefits

Group Dental

With MetLife Group Dental benefits, you can feel confident you’ll receive the best value for your dental benefit dollars. We understand how important dental benefits are to your employees, how valuable your time is and how limited employee benefit dollars are these days. Our funding arrangements range from 100% employee-paid to 100% employer-paid.

Innovative solutions to plan design

We offer a wide variety of dental benefit plan designs and funding arrangements for employers of all sizes. We are continually integrating clinical research, consumer-value approaches and industry trends into our standard plans to offer solutions to help you meet your goals.

Preferred Provider Organization (PPO) plans, including:
- Copay plans¹
- Graduating Dental Benefits²
- Full Service Dental for Retirees
Dental Health Maintenance Organization (available in CA, FL & TX only)
Indemnity plans
Multi-Option features
Funding arrangements, including
- Voluntary and Employer-Sponsored options
- Fully Insured and Self-Funded³ options

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

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Freedom of Choice

MetLife Dental participants can choose from over 120,000 participating dental locations, including more than 28,000 specialist locations. Participants can also choose to go outside the network and still receive benefits, though out-of-pocket expenses may be greater.

Plan Savings

Our negotiated network dental fees are typically 10% to 35% below community average charges. Plus, they apply to covered and non-covered in-network services under any plan, even after the annual maximum has been exceeded.

A Quality Dental Plan

MetLife’s Quality Initiatives Program (QIP) helps ensure that participants and dentists have access to information and tools that can help them make the most of their relationship with MetLife. For employers, our focus on education can assist in reducing administrative “noise” and cultivating a workforce that sees real value in their dental benefits program.

Operational Excellence

At MetLife, we continue to streamline and improve the benefits delivery process, enhancing employee satisfaction and making it easier to administer your benefit plans in a more efficient and cost-effective manner. Our goal is to create a “quiet” plan to give you more time to focus on other priorities.

A Concern for Employees' Privacy

At MetLife, we are dedicated to protecting employees’ right to privacy. Please see “A Concern for Your Privacy” on the group dental page for employees. Or click here.

Like most group dental policies, MetLife group policies contain certain exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact us for costs and complete details.

Group dental insurance policies featuring the Preferred Dentist Program (PPO) are underwritten by Metropolitan Life Insurance Company, New York, NY 10166. DHMO plans are available through subsidiaries of SafeGuard, a MetLife company, as follows: in California, SafeGuard Health Plans, Inc., a California corporation; in Florida, the plans are known as Dental Managed Care Plans provided by SafeGuard Health Plans, Inc., a Florida corporation; and in Texas, SafeGuard Health Plans, Inc., a Texas corporation.

¹ MetLife PDP Copay plans are only available to groups with 500 or more eligible employees. Copay plans are not available for insured cases in Texas, including plans sitused in Texas or covering Texas residents. Copay plans are also not available for insured cases in Connecticut.

² Available for groups with 10 or more eligible employees, excluding Copay plans and Full Service Dental for Retirees.

³ Self-funded programs are available to organizations with 500 or more eligible employees. DHMO plans are not offered on a self-funded basis.

⁴ At this time, each increment to the annual maximum can be $250 for in-network and out-of-network or $500 for in-network only.

⁵ Exact time frames are determined by the employer. Assuming no gap in MetLife dental coverage with the same employer, the annual maximum will graduate (increase) for employees and their covered dependents until reaching the maximum annual benefit. The increase occurs on the anniversary (12 months of coverage) of when the participant’s coverage became effective under the plan. MetLife dental coverage refers to dental plans underwritten or administered by MetLife.

⁶ The highest annual maximum level is capped at three years or $3,000.

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