Dental Insurance at Work

Group dental insurance can help you maximize your oral health and minimize out-of-pocket costs for routine dental check-ups, expensive procedures and most things in between.1

PPO Plans

Choose from an extensive network of dentists and specialists across the country.

Our Preferred Provider Organization (PPO) plans offer the flexibility to visit any licensed dentist, so you’re sure to find a provider who meets your needs.

  • Large network of dentists, and the freedom to visit any dentist in or out-of-network.
  • Additional savings when you visit a participating dentist. Participating dentists have agreed to accept negotiated fees for covered services, which are typically 30-45% less than the average fees charged by dentists in the same community.1,2
  • No paperwork in or out-of-network, if your dentist submits your claims for you.
  • Service where and when you want it on our secure member website.
  • Preventive care, such as cleanings, is usually 100% covered in-network.

Ask your employer about MetLife Dental Insurance.

Dental HMO/Managed Care Plans

Comprehensive coverage to protect your health and your wallet, available in select states only.

Please note: Dental HMO/Managed Care plans are only available to employees living in CA, FL, NJ, NY and TX.

  • Broad network of participating dentists to choose from.
  • Pre-select a dentist at time of enrollment.
  • Hundreds of services/procedures provided at costs that may be lower than typical dental fees.1
  • No deductibles to meet and no claim forms to submit.

Ask your employer about MetLife Dental Insurance.

I need to learn more about MetLife's Dental PPO Plan.

The services covered under the plan are set forth in the certificate of insurance or summary plan description for the plan, including details concerning coverage, limitations, exclusions and reductions.

Yes. You are always free to select the dentist of your choice. However, if you choose a non-participating dentist, your out-of-pocket costs may be higher. Please refer to your company's plan documents for details concerning out-of-network coverage.

Yes. If your current dentist does not participate in the network and you would like to encourage him/her to apply, ask your dentist to visit, or call 1-866-PDP-NTWK for an application.3 The website and phone number are for use by dental professionals only.

Dentists may submit your claims for you, which means you have little or no paperwork. You can either download a form or complete it online. Fill out the employee portion and have your dentist complete the rest. Your completed claim form should be submitted online or mailed to:

MetLife Dental Claims
PO Box 981282
El Paso, TX 79998-1282

You can also fax your form to: 1-859-389-6505.

Benefits are paid to you, unless you’ve arranged for them to go directly to your dentist. You can track your claims online and even receive email alerts when a claim has been processed. Once your claim is processed, you will receive an Explanation of Benefits statement.

Yes. You can ask for a pre-treatment estimate. Your general dentist or specialist can send MetLife a plan for your care and request an estimate of benefits. The estimate helps you prepare for the cost of dental services. We recommend that you request a pre-treatment estimate for services in excess of $300. Simply have your dentist submit a request online at or call 1-877-MET-DDS9. You and your dentist will receive a benefit 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.

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 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.

3 Due to contractual limitations, MetLife is prohibited from soliciting certain dentists.

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

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 Metropolitan Life Insurance Company (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.