Dental
More ways for you to save. More reasons for you to smile.
| Dental | Platinum |
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 |
Individual: $100 |
Individual: $50 |
Coverage |
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 |
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 |
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 |
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 |
Preventive and basic care | Preventive, basic and major services |
Preventive, basic and major services |
- 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.
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.