Dental Insurance

Voluntary Dental Benefits

Give your employees something to smile about with voluntary dental benefits from MetLife.

To help you meet your company’s 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 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 goals – with plans employees appreciate.

Products

Dental Preferred Provider Organization (DPPO) plans, including:

• Copay plans.¹ Help lower your dental costs over time, while keeping your employees satisfied with flexible plan design options and cost-effective monthly premiums.

• Full Service Dental for Retirees. You can enrich your company's retiree benefits with minimal administration and no benefit expense to your 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 participants the freedom to visit any licensed dentist (no network) in the country for covered services.

Options

Graduating Dental Benefits.² 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,3 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.⁴

Funding arrangements, including:

• Voluntary and Employer-Sponsored options. MetLife offers a variety of voluntary dental plan designs, utilizing the DPPO⁵ and DHMO 
• Fully Insured and Self-Funded⁶ options.

With MetLife voluntary dental benefits, you can feel confident your company and employees will receive a good value for their dental benefit dollars. Speak to your insurance broker or MetLife representative today to get started with a plan that fits your budget and employees’ needs.

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

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

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

³ 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.

⁴ 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.

⁵ Available for groups with 10 or more eligible employees.

⁶ 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.