With a DHMO plan, you choose a dentist to be your primary care dentist. You will have to pay a co-payment for each treatment you have from your chosen dentist. You’ll receive a ‘Schedule of Benefits’ that lists everything that is considered to be a covered service. It also shows information on limitations, additional charges for certain procedures, and what might not be covered by your plan.

Yes. When enrolling, you will need to choose two participating dentists. This will make sure you’re able to receive care as soon as your plan begins.

‘Closed’ means that dentist is not accepting new patients. However, if you are already a patient with a dentist listed as ‘closed’ in the MetLife Directory, it may be possible that you won’t have to change. Contact Customer Service to find out if it is possible to continue seeing your regular dentist.

You and your family can each choose different participating dentists. You can also change dentists as often as once a month. To change dentists go to www.metlife.com/mybenefits. Your transfer will be effective on the first day of the month after you request the change.

All participating dental offices in our network provide emergency care 24 hours a day, 7 days a week. If you are unable to reach your selected primary care dentist, you can receive emergency care from any licensed dental care professional.

You will need a ‘direct referral’. Your primary care dentist will refer you to a participating specialist in your area. You won’t have to wait for approval. The co-payment amount for the treatment you need will be listed on your Schedule of Benefits.

You can either ask your primary care dentist or you can contact the MetLife customer service number listed on your ID card.

No, DHMO is not available in all states. Currently, MetLife offers DHMO in California, Florida, New Jersey, New York and Texas.