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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 everything in between.

Preferred Dental Program

The plans in our dental PPO program (MetLife PDP and PDP Plus) 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 – typically 15% - 45% less than the average fees charged by dentists in the same community.1
  • 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.

Ask your employer about MetLife Dental Insurance.

HMO/Managed Care Dental Plans

Please note: MetLife HMO 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.
  • No deductibles to meet and no claims to submit.

Ask your employer about MetLife Dental Insurance.

I need to learn more about MetLife's Dental PPO Plan.
What services are covered under this dental plan?

The services covered under the MetLife Preferred Dentist Program are those defined under your group dental benefits plan. The dental certificate of insurance for this plan includes details concerning coverage, limitations, exclusions and reductions.

Can I visit a dentist who is out-of-network?

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 because he/she hasn't agreed to accept negotiated fees. You may be responsible for the difference in cost between the dentist's fee and your plan's benefit payment. Please refer to your company's plan documents for details concerning out-of-network coverage.

Can my current dentist join the network?

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.

How are claims paid?

Dentists may submit your claims for you, which means you have little or no paperwork. You may also download a Dental Claim Form. Fill out the employee portion and have your dentist complete the rest. Either you or your dentist can submit the form to MetLife. Benefits are paid to you, unless you’ve arranged for them to go directly to your dentist. Your completed claim form should be mailed to:

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

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

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.

Can I find out what my out-of-pocket expenses will be before receiving a service?

Yes. You can ask for a pretreatment estimate. Your general dentist or specialist usually sends MetLife a plan for your care and requests 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 Based on internal analysis by MetLife. 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 Due to contractual limitations, MetLife is prohibited from soliciting certain dentists. 

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

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.

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.