Dental Insurance
Dentalinsurance makesit easytogo
View your Hearst benefit information.
Go to MyHEARST and select My Benefits & Resources under the Benefits & Pay tab.
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 $1,515?3
Dental Insurance documents
You deserve to be choosy when it comes to finding the right dentist. See which plan is right for you.
Residents of California, Florida, New Jersey, New York and Texas can consider a Dental HMO/Managed Care4 plan in addition to the Dental PPO plan available to all employees.
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, select Find a Dentist on metlife.com or click here .
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.5 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 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.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, visit metlife.com/mybenefits or call 1 800 GET-MET8.
MetLife dental plans provide coverage for dental services delivered through tele-dentistry.7 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.
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.
VIDEO
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.
2 National Institutes of Health, Diabetes, Gum Disease, & Other Dental Problems. https://www.niddk.nih.gov/health-information/diabetes/overview/preventing-problems/gum-disease-dental-problems. Accessed August, 2025.
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.
4 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.
5 Based on internal MetLife analysis. Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for certain services, subject to any co-payments, deductibles, cost sharing and benefits 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.
6 Covered services under your plan are set forth in the certificate of insurance or summary plan description.
7 Dental benefits are provided by Metropolitan Life Insurance Company (MetLife). Virtual dental services are provided by Teledentistry Network, Inc. (TNI). Dental.com (Website) is developed, provided, and maintained by TNI and not MetLife. Use of the Website is subject to all the terms and conditions stated therein. TNI is not affiliated with MetLife or its affiliates.
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 or your plan administrator for costs and complete details. 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.