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Dental Insurance

Our benefit plans can help you and your family maintain good oral health while reducing out-of-pocket expenses.1

Dental Insurance at Work

You may be eligible for dental insurance at a group rate through your employer.

MetLife TakeAlong DentalSM

Dental insurance you purchase on your own or through work for coverage even if you change jobs.

Find a Dentist

Locate a participating dental provider in your area.

Also in Dental

Find what you’re looking for here.

I need to learn more about Dental Insurance
What is the MetLife Preferred Dentist Program?

The MetLife Preferred Dentist program is a Dental Preferred Provider Organization (PPO) plan that is designed to save you money on dental services.1  You can choose from thousands of participating general dentists and specialists nationwide. Plus, with this plan you will enjoy lower out-of-pocket costs for in-network services, freedom to use any dentist and less paperwork.

What is a participating dentist?

A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services provided to plan members. Negotiated fees typically range from 15% - 45% less than the average charges in a dentist's community for similar services.* 

*Based on internal analysis by MetLife. Negotiated fees refers 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 benefit maximums. Negotiated fees are subject to change.

How do I find a participating dentist?

You can find the names, addresses, specialties, languages spoken and telephone numbers of participating dentists in a given area by searching our online directory – Find a Dentist.

Can I buy coverage for myself and my family if I don’t have dental insurance at work?

Yes. MetLife TakeAlong DentalSM offers continuous coverage that you can buy on your own and take from one job to the next.

What if I need emergency care?

All dental offices that participate in the network provide emergency access 24 hours a day, 7 days a week. If you cannot reach your selected participating dentist, you may receive emergency care from any licensed dental care professional. The definition of what is considered "emergency care" and other specifics can be found in the Evidence of Coverage located in your enrollment booklet.

What if have an HMO plan and I need to see a specialist?

If your selected participating dentist determines that you need specialty care, you have access to a network of specialty care providers. Most plans are Direct Referral plans, which means your selected participating dentist will provide you with the name of a network specialist. No pre-authorization is required, you can call the specialist directly to schedule your visit.2

Any copayment amount for specialty services is listed in your Schedule of Benefits.

Does the HMO plan cover second opinions?

Yes. Contact Customer Service to let us know that you would like another clinical opinion, and we will provide the name of a dentist for you to see.

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

2 In California, orthodontic and pedodontic specialty services require pre-approval. Your selected participating dentist will contact SafeGuard (a MetLife company) for pre-approval. Once approved, your dentist will contact you with the name of a participating specialist.

Group dental insurance policies featuring the MetLife Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY.

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, waiting periods, reductions, limitations and terms for keeping them in force. Please contact MetLife or your plan administrator for complete details.