Dental

More ways for you to save. More reasons for you to smile.

Protection for a healthier smile and lower costs

Choosing MetLife as your insurer can help you save in ways you’ve never imagined.

It’s more than discounted fees. You’ll see it in the way we manage claims and the dentists selected to be in our network.1 It’s your solution for a healthier smile and lower costs.

Savings and convenience

  • Our discounts exceed the national industry average by 3.2%2
  • Over 490,000 participating dentist access points in our network – and participating dentists can’t charge more than the negotiated fee for covered services.3
  • Our network of carefully selected dentists and our claims process help protect you against inappropriate costs and care.1

Service and support whenever you need it

  • Dentists usually handle claims for you, so there’s less paperwork for you — it’s also easy to manage your plan 24/7 by phone or online.
  • Resources to look up the average cost for a service in your area and read up to date articles on oral health.4
  • Traveling abroad and have a dental emergency? We’re here to help you find a local dentist.5
  • Once you’re enrolled, you can download our mobile app6 to find a dentist, view your ID card, get claim updates and more.

Not all networks are created equal

Some insurers say theirs is the biggest — but then the discounts aren’t that great or participating dentists bill you for unnecessary services. Read our Shopping Guide below to help you spot the best deal.

Learn more about MetLife's plan today. Call us at 888-309-5526.

Dental

Platinum

(available only in CA, FL, NJ, NY and TX)

NOTE: The Platinum (DHMO) plan may not be offered by all employers.

 Bronze Silver Gold
Network Dental HMO/Managed Care PDP Plus
Flexibility with Dentists Must pre-select dentist Any licensed dentist, no referral
Annual Maximum N/A $1,000 $1,500 $2,500
Deductible N/A

Individual: $100

Family: $300

Individual: $100

Family: $300

Individual: $50

Family: $150

Coverage

(Benefit Summaries available on enrollment site)

 See benefit summary for service & fee schedule  See benefit summary for specific plan details See benefit summary for specific plan details See benefit summary for specific plan details

Preventive

(cleanings & exams)

     Included 100% In and Out-of-Network* Not subject to deductible; See benefit summary for details and limits 100% In and Out-of-Network; Not subject to deductible; See benefit summary for details and limits 100% In and Out-of-Network* Not subject to deductible; See benefit summary for details and limits

Basic

(fillings & standard procedures)

Included

 80% In and Out-of-Network* after deductible is met; See benefit summary for details and limits 80% In and Out-of-Network* after deductible is met; See benefit summary for details and limits 80% In and Out-of-Network* after deductible is met; See benefit summary for details and limits

Major

(crowns, implants, etc.)

Included

 Not covered 60% In and Out-of-Network* after deductible is met; See benefit summary for details and limits 80% In and Out-of-Network* after deductible is met; See benefit summary for details and limit

Orthodontia

 You and Children Not covered Children Only     You and Children 

Orthodontia Maximum

 N/A Not covered $1,500 $2,000
Summary

Preventive, basic and major services

  • Orthodontia
 Preventive and basic care

Preventive, basic and major services

·    Orthodontia

Compared to Gold:

·    Lower premium

·    Higher deductible

Lower annual maximum

Preventive, basic and major services

*    Orthodontia

Compared to Silver:

*    Higher premium

*    Lower deductible

Higher annual maximum

  • Preventive services are subject to frequency limitations.
  • Out-of-network payment is based on the Reasonable and Customary (R&C) charge, which is based on the lowest of (1) the dentist’s actual charge, (2) the dentist’s usual charge for the same or similar services, or (3) the charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.
  • Platinum plan is available in CA, FL, NJ, NY, and TX only.
  • This plan may not be offered to all employers.

    • Shopping Guide

    • You get more savings from your dental plan when you go to a participating dentist.
    • Go here to see if your dentist is in our network.
    • Most likely, you are interested in a dental plan because it can help you save. That’s why it’s important to know the average discount.
    • In network dentists have agreed to accept negotiated fees as payment in full for covered services, subject to any deductibles, copayments, cost sharing and benefit maximums. Negotiated fees typically average 30 – 45% below the average charges in the community for the same or similar services as determined by MetLife.
    • Being billed more than you should or charged for services you should never have received can cut into your savings.
    • To help protect you financially and promote better oral health, we look carefully at charges and treatments performed. 
    • The more current dentists are on treatments and safety precautions, the better your care.
    • Dentists get access to materials and courses at no additional cost through www.MetDental.com.

       Useful Documents

    PDF

    Within 30 days of the group plan's effective date, a Continuing Ortho Request Form must be submitted to MetLife. See form (available via link above) for further details.

    Download Documents (PDF-109 KB)
    PDF

    Within 30 days of the group plan's effective date, a Continuing Ortho Request Form must be submitted to MetLife. See form (available via link above) for further details.

    Download Documents (PDF-109 KB)
    PDF

    For orthodontia services in progress as of the effective date of coverage, MetLife requires claim payment and treatment history in order for participants to receive benefits from MetLife for future services rendered.

    Download Documents (PDF-97 KB)

    Find a Dentist Near You

    For Bronze, Silver or Gold Plans - Choose PDP Plus – MetLife's largest PPO network

    For the Platinum Plan - Choose DHMO/Managed Care
    NOTE: This plan may not be offered by all employers.

    • Find a Dentist: DHMO/Managed Care Network
    • Only available in CA, FL, TX, NY & NJ
    • Plan name: MetLife Platinum DHMO. A participating DHMO dentist must be selected prior to receiving services.
    • Be sure to check for providers in your ZIP code and verify they are accepting new patients via MetLife’s FIND A DENTIST tool.
    • Once your search is complete, close the window to return to the site.

    1 Savings from enrolling in a dental benefits plan will depend on various factors, including plan design and premiums, how often participants visit the dentist and the cost of services rendered. Certain providers may participate with MetLife through an agreement that MetLife has with a vendor. Providers available through a vendor are subject to the vendor’s credentialing process and requirements, not MetLife’s. If you should have any questions, contact MetLife Customer Service.

    2 Dental Actuarial Analytics, Dental PPO Network Study, 2018 edition.

    3 MetLife PDP Plus data as of May 2020. Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

    4 The Dental Procedure Fee Tool application is provided by an independent vendor. This tool does not provide the payment information used by MetLife when processing your claims. Prior to receiving services, pretreatment estimates through your dentist will provide the most accurate fee and payment information.

    5 AXA Assistance is not affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife. Referral services are not available in all locations.

    6 To use the MetLife mobile app, employees can choose to register at metlife.com/mybenefits from a computer or directly through the app. Certain features of the MetLife Mobile App are not available for all MetLife Dental Plans.

    The metallic names of the group plans offered have no connection to similar terms used to describe benefit offerings in any public state exchange or the federal health insurance marketplace.

    Group dental insurance policies featuring the MetLife Preferred Dentist Program are provided by Metropolitan Life Insurance Company, 200 Park Avenue, 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.

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