Plan Benefits

MetLife dental plans for the Missouri Consolidated Health Care Plans include competitive monthly rates, access to one of the largest dental network and benefits administered by a trusted brand.

How much will my procedure cost?

Fee Estimator Tool

Network: MCHCP - PDP Plus

Coverage Type


% of Negotiated Fee*


% of Scheduled Amount**

Type A: Preventive

(cleanings, exams, X-rays)

100% 100%

Type B: Basic Restorative

(fillings, extractions)

80% 80%

Type C: Major Restorative

(bridges, dentures)

50% 50%
Per Individual $50 $50
Annual Maximum Benefit
Per Person $2,000 $2,000
Waiting period: There is a one year waiting period on Type C services for members who are new to the plan.

*Negotiated Fee refers to the fees that participating dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

**Reimbursement for out-of-network services is based on the lesser of the dentist’s actual fee or the Maximum Allowable Charge (MAC). The out-of-network Maximum Allowable Charge is a scheduled amount determined by MetLife.

†Applies only to Type B & C Services.

1 In-network, the percentage covered is a percentage of the negotiated fee. Out-of-network, the percentage covered is a percentage of the Maximum Allowed Charge. 

Out–of-network reimbursement is based on the Maximum Allowed Charge, which is equal to the in-network negotiated fee. 

Percentages are based on the Maximum Allowed Charge. If you visit an out-of-network dentist, you will be responsible for the deductible (if any), the percentage of the Maximum Allowed Charge that MetLife does not cover, plus any amount in excess of the Maximum Allowed Charge charged by the out-of-network dentist.

4 As a hypothetical example, a dentist’s usual fee in Jefferson City, MO 65110 for a crown might be $1,125. The In-Network Negotiated Fee/Out-of-Network Maximum Allowed Charge is $688. The percentage covered is 50%. Your In-Network out of pocket cost would be $344. The Out-of-Network out of pocket cost would be $781. This example assumes you have already satisfied the annual deductible.