Dental

A participating PDP dentist is a general dentist or specialist who participates in MetLife’s Preferred Dentist Program (“PDP”) who meets MetLife’s well-established credentialing standards and agrees to accept negotiated fees as payments-in-full for services rendered. When you visit a participating dentist, you are responsible only for the difference between what the plan benefit pays and the negotiated fee which is typically 10-35% below the average charge of dentists for the same services in a given geographical area.

Use our “Find a Dentist” tool and you’ll discover the names and addresses of general practitioners and specialists who participate in MetLife’s PDP near you—and maps that help you get there. Over 120,000 locations including more than 28,000 specialists participate in MetLife’s PDP.

The services covered under your dental plan are those defined under your group dental benefits plan. Consult your dental certificate of insurance — it includes details concerning coverage, limitations, exclusions and reductions.

Yes, you can go to the dentist you’re most comfortable with, even if he or she isn’t in our network, and still receive benefits. Please keep in mind that visiting a dentist who is not in our network may result in higher out-of-pocket costs since the PDP negotiated fees do not apply to out-of-network services. This means you will be responsible for any difference between the dentist's usual fee and your plan's payment. Plans vary, so examine the specifics of your company’s benefit package for deductibles, annual maximums and frequency limits to help determine actual out-of-network benefits.

Of course. To apply, simply have your preferred dental professional visit MetDental.com, or call 1-877-MET-DDS9. Website and phone number are designed for use by dental professionals only.

Dentists may submit your claims for you, which means you have little or no paperwork. You may also download a Dental Claim form. Just fill out the employee portion and have your dentist complete the rest. Either you or your dentist can submit the form, and benefits are paid to you, unless you’ve arranged for them to go directly to your dentist. Your completed claim form should be mailed to:

MetLife Dental Claims
PO Box 981282
El Paso, TX 79998-1282

You can also fax your form to:
1-859-389-6505

You can track your claims online and even receive e-mail alerts when a claim has been processed. Once your claim is processed, you’ll receive an Explanation of Benefits statement.

We recommend that you receive a pre-treatment estimate through your dentist before more costly service is provided. It is the best way to determine your estimated out-of-pocket expense before services are provided.

If you currently participate in a MetLife group dental benefit plan, you may have access to valuable online self-service features available through MyBenefits. To learn more about fees for services such as exams, cleanings, fillings, crowns and more, just visit the website at www.metlife.com/mybenefits and use the Dental Procedure Fee Tool provided by go2dental.com to help you approximate the in-network (PDP fees) and out-of-network fees* for dental services in your area.

* Out-of-network fee information is provided by go2dental.com, Inc., an industry source independent of MetLife. This site does not provide the benefit payment information used by MetLife when processing your claims. Prior to receiving services, we recommend that you received pre-treatment estimates through your dentist.

At MetLife, we are dedicated to protecting your right to privacy.

If you would like to authorize someone, such as a spouse, relative or friend to help you with matters concerning your dental benefits, please click on the Dental HIPAA Authorization for Disclosure of Personal Health Information.

Note that the completion and return of this authorization is completely voluntary. This will allow us to release information about your dental benefits, including your health information, to the person(s) authorized by you. Please remember this authorization concerns your personal records and can only be signed by you or your legal representative (such as a power of attorney, guardian or conservator).