Dental Insurance at Work
Dental insurance can minimize out-of-pocket costs1 for routine dental checkups, expensive procedures and most things in between.
PPO Plans
PPO Plan
Our Preferred Provider Organization (PPO) plans offer the flexibility to visit any licensed dentist, so employees are sure to find a provider who meets their needs.
- Over 470,000 in-network providers nationwide2
- Little to no out-of-pocket costs for cleanings, X-rays and in-network exams3
- 35–50% savings on dental list prices4
- Clear aligner therapy options with providers like Invisalign and Bioliner5
- Access to a virtual dental care assistant available 24/7
- No paperwork in or out‑of‑network, if your dentist submits your claims for you
Dental HMO/Managed Care Plans
Dental HMO/Managed Care Plans
The MetLife Dental HMO/Managed Care Plan offers coverage that protects oral health and employee’s wallet. Now that’s something to smile about!
An alternative coverage option with the Dental HMO/managed care network. Only available in CA, FL, NJ, NY, and TX
- Large network of participating dental providers to choose from2
- You will need to pre-select a dentist who participates in the network in order to receive benefits
- Each enrolled family member may select a different participating dentist and has the ability to change dentists up to one time each month
- Hundreds of services offered at costs that may be lower than typical dental fees1
- No deductibles to meet and no claim forms to submit
Dental Insurance FAQs
There are thousands of general dentists and specialists to choose from nationwide to help meet your needs. Click here for a list of participating dentists in your area.
You are always free to select any general dentist or specialist. However, you usually save more when you visit a participating dentist who has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 35%-50% below the average fees charged in a dentist’s community for similar services.4 Non-participating dentists have not agreed to accept negotiated fees. You may be responsible for any difference in cost between the dentist’s fee and your plan’s benefit payment.
MetLife strongly recommends that you have your dentist submit a pretreatment estimate6 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.
A number of dental procedures may be covered, such as exams and cleanings, root canals, X-rays, fillings and more.3
Dentists may submit claims for you, which means you have little or no paperwork. You can track your claims online and even receive email alerts when a claim has been processed. If you need a claim form, visit metlife.com/mybenefits or call 1-800-GET-MET8.
For HMO questions, contact MetLife’s HMO Customer Service at 1-800-880-1800 from 8:00 am – 11:00 pm EST.