Dental Insurance
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Open Enrollment Information
Keep your smile and your bank account healthy
Whether you’re in need of routine cleanings 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
Dental problems can be unpredictable and expensive. For example, did you know that a crown can cost up to $1,535?3
RESOURCE CENTER
Plan Details
You can help alleviate the added cost with MetLife Dental Insurance.
Find a Dentist
Our extensive network has thousands of dental providers to choose from. Who's the best fit for you? Select "Search" to go to the Find a Dentist tool, choose your network and enter your ZIP code for a list of participating dentists.
To find dentists within the OPERS network, please keep “PDP Plus” selected in the “Your Network” field.
Dental Insurance FAQs
There are thousands of general dentists and specialists to choose from nationwide to help meet your needs. To look for a list of participating dentists, please choose PDP Plus under the ‘Your Network’ dropdown on the following link: Find a PDP Plus Dentist.
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 $300.5 Simply have your dentist submit a request online at MetDental or call 1-888-262-4874. 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.6
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, please click here to download one or call 1-888-262-4874.
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, MetDental 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.
The 2025 OPERS Dental Plan Premiums are below:
| Dental Coverage | Per Adult | Per Child |
| High Option | $40.11 | $23.80 |
| Low Option | $23.82 | $14.46 |
For a full list of exclusions & limitations, please see the dental certificates listed on the Resources page.
1 Savings from enrolling in a dental benefits plan featuring the MetLife Preferred Dentist Program will depend on various factors, including the cost of the plan, how often participants visit a dentist, and the cost of services rendered.
2 National Institutes of Health. Oral Health in America: Advances and Challenges. Bethesda, MD: US Department of Health and Human Services, National Institutes of Health, National Institute of Dental and Craniofacial Research, 2022.
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. Example assumes any deductible has been met and the annual maximum benefit has not been reached. Actual costs and savings may vary and are subject to any co-payments, deductibles, cost sharing and benefits maximums.
4 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 benefit maximums. Negotiated fees are subject to change. Negotiated fees do not apply to non-covered services in states that prohibit limitations for services not covered under a plan. Participating providers in these states may charge their non-negotiated fees for non-covered services.
5 MetLife strongly recommends that you have your dentist submit a pretreatment estimate to MetLife if the cost is expected to exceed $300. When your dentist suggests treatment, have him or her send a claim form, along with the proposed treatment plans and supporting documentation, to MetLife. An explanation of benefits (EOB) will be sent to you and the dentist detailing an estimate of what services MetLife will cover and at what payment level. Actual payments may vary from the pretreatment estimate depending upon annual maximums, deductibles, plan frequency limits and other plan provisions at time of payment.
6 Covered services under your plan are set forth in the certificate of insurance or summary plan description.
Group dental plans featuring the Preferred Dentist Program are provided by Metropolitan Life Insurance Company, New York, NY.
Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. You may be financially responsible for copayments, deductibles, or any other amounts in excess of those MetLife is required to pay for covered services as described in your dental certificate and/or policy. Ask your MetLife representative for costs and complete details.