Plan Overview
Why is having dental insurance important?
With MetLife DPPO insurance, you can reduce your out-of-pocket expenses and maintain your smile with preventive care. Dental insurance not only helps you pay for your dental care, but it can also help prevent costly problems in the future. When your preventive care is covered, you’re more likely to go for cleanings and checkups. This can help you avoid problems before they become too costly or complicated.
| Coverage Type | In-Network |
Out-of-Network |
| Type A: Preventive (cleanings, exams, X-rays) |
100% | 80% |
| Type B: Basic Restorative (x-rays and fillings) |
80% | 60% |
| Type C: Major Restorative (crowns and root canals) |
50% | 50% |
| Type D: Orthodontia | 50% | 50% |
Annual Deductible3 Individual Family |
$50 $150 |
$100 $300 |
| Annual Maximum Benefit Per person |
$1,500 | $1,500 |
| Orthodontia Lifetime Maximum Per person |
$1,500 | $1,500 |
| Waiting Periods | Not applicable | Not applicable |
1. 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. 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. Reimbursement for out-of-network services is based on the lesser of the dentist’s actual fee or the maximum allowable charge. The out-of-network maximum allowable charge is a scheduled amount determined by MetLife.
3. Applies only to Type B & C services.