Dental Insurance

Dental insurance makes it easy to go to the dentist by minimizing out-of-pocket costs1 for routine dental check-ups, expensive procedures and most things in between.

Dental Insurance

Keep your smile and your bank account healthy

Whether you’re in need of routine cleanings, braces or a filling, a solid dental plan makes it easier for you to protect your smile and your budget.1

  • Routine visits to the dentist help prevent costly dental bills later on, as well as problems linked to medical conditions like diabetes or heart disease2
  • If you have a choice of plans, consider your oral health needs and ability to pay for unexpected major services like a crown
  • If you have children, consider more comprehensive coverage for less out-of-pocket costs, as well as an option for braces

Dental problems can be unpredictable and expensive. For example, did you know that a crown can cost up to $1,535? 3

Dental Insurance FAQs

There are thousands of general dentists and specialists to choose from nationwide to help meet your needs. Look for a list of participating dentists online at metlife.com.

You are always free to select any general dentist or specialist. However, you usually save more when you visit a participating dentist. He/she has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 30-45% below the average fees charged in a dentist’s community for similar services.4 Non-participating dentists have not agreed to accept negotiated fees. So you may be responsible for any difference in cost between the dentist’s fee and your plan’s benefit payment. 

We recommend that you request a pre-treatment estimate for services totaling more than $300. Simply have your dentist submit a request online at metdental.com or call 1-877-MET-DDS9. You and your dentist will receive an estimate for most procedures while you are still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment.

A number of dental procedures may be covered, for example, exams and cleanings, root canals, X-rays, fillings and more.5

Dentists may submit claims for you which means you have little or no paperwork. You can track your claims online and even receive e-mail alerts when a claim has been processed. If you need a claim form, visit metlife.com/mybenefits or call 1 800 GET-MET8.

MetLife dental plans provide coverage for dental services delivered through tele-dentistry. The coverage is handled the same as if the patient was receiving the dental services in a dental office. Dental services that can be delivered through tele-dentistry typically include problem focused exams and re-evaluations. The coverage is subject to the plan terms and conditions. Dentists can verify benefit coverage using MetLife’s web portal, www.MetDental.com as well as MetLife’s interactive voice response (IVR) capabilities. To the extent a state has enacted mandates regarding tele-dentistry due to the COVID-19 pandemic, MetLife will fully comply.

Dental insurance keeps this family smiling

The Coopers realized that better control of their finances could ensure a better future for their children.

1 Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit a dentist and the cost of services rendered.

2 American Dental Association; Dentists: "Doctors of Oral Health", American Dental Association, Chicago, IL.
http://www.ada.org/en/about-the-ada/dentists-doctors-of-oral-health. Accessed February 1, 2021.

3 Based on MetLife data for a crown (D2740) in ZIP code 06340. This example is used for informational purposes only. Fees in your area may be different.

Based on internal MetLife analysis. Negotiated Fees refer to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

5 Covered services under your plan are set forth in the certificate of insurance or summary plan description.

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.