Dental / Vision

  • Dental insurance makes it easy to go to the dentist by minimizing out-of-pocket costs for routine dental check-ups, expensive procedures and most things in between.
  • Vision insurance helps cover fees for annual preventive care check-ups, glasses and contacts

Dental Insurance

Keep your smile and your bank account healthy

Whether you’re in need of routine cleanings, braces or a filling, a solid dental plan makes it easier for you to protect your smile and your budget.1

  • Routine visits to the dentist help prevent costly dental bills later on, as well as problems linked to medical conditions like diabetes or heart disease2
  • If you have a choice of plans, consider your oral health needs and ability to pay for unexpected major services like a crown
  • If you have children, consider more comprehensive coverage for less out-of-pocket costs, as well as an option for braces

Dental problems can be unpredictable and expensive. For example, did you know that a crown can cost up to $1,535? 3

Dental Insurance FAQs

There are thousands of general dentists and specialists to choose from nationwide to help meet your needs. Look for a list of participating dentists online at

You are always free to select any general dentist or specialist. However, you usually save more when you visit a participating dentist. He/she has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 30-45% below the average fees charged in a dentist’s community for similar services.4 Non-participating dentists have not agreed to accept negotiated fees. So you may be responsible for any difference in cost between the dentist’s fee and your plan’s benefit payment. 

We recommend that you request a pre-treatment estimate for services totaling more than $300. Simply have your dentist submit a request online at or call 1-877-MET-DDS9. You and your dentist will receive an 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.

A number of dental procedures may be covered, for example, exams and cleanings, root canals, X-rays, fillings and more.5

Dentists may submit claims for you which means you have little or no paperwork. You can track your claims online and even receive e-mail alerts when a claim has been processed. If you need a claim form, visit or call 1 800 GET-MET8.

MetLife dental plans provide coverage for dental services delivered through tele-dentistry. The coverage is handled the same as if the patient was receiving the dental services in a dental office. Dental services that can be delivered through tele-dentistry typically include problem focused exams and re-evaluations. The coverage is subject to the plan terms and conditions. Dentists can verify benefit coverage using MetLife’s web portal, as well as MetLife’s interactive voice response (IVR) capabilities. To the extent a state has enacted mandates regarding tele-dentistry due to the COVID-19 pandemic, MetLife will fully comply.

Vision Insurance

Take care of your eyes and your health

Even if you have perfect vision, yearly eye exams are essential. You can save up to 60% on a range of vision services and eyewear, including yearly eye exams, glasses, contact lenses, fittings and evaluations.1

  • Provides significant savings1
  • Choose from thousands of ophthalmologists and opticians

Did you know routine vision exams do more than protect your eyes? They can also help protect your health by catching early signs of serious problems, such as diabetes and high blood pressure.2

Vision Insurance FAQs

MetLife Vision covers a wide range of services. They include routine eye exams, glasses, contact fittings, evaluations and lenses, plus additional savings on non-prescription sunglasses and laser vision correction.3

A vision plan is a competitively-priced way to help protect the eyesight of everyone in your family. Even if you don’t wear glasses or contacts, regular visits to your eye doctor are important to your overall health. Routine eye exams can help detect other health problems.2

Eyeglasses and routine eye exams can be more expensive than you may think. With MetLife, through low to no copays, you can save up to 60% on vision wear and services.1 Lens options like polycarbonate (shatter-resistant) lenses for children up to age 18 and ultraviolet (UV) coating are covered in full. You also enjoy fixed copays for scratch-resistant and anti-reflective coatings, progressive lenses,4 and more.

You can go to any licensed eye care professional. Choose from the thousands of ophthalmologists, optometrists and opticians at private practices or popular retail locations like Costco® Optical, America’s Best, Cohen’s Fashion Optical, Eyeglass World, For Eyes Optical, Pearle Vision*, Sam’s Club, Shopko, Visionworks, Walmart and more.

You can choose the eyewear that’s right for you and your budget. Your eye care professional can help you choose from classic styles to the latest designer frames. You can select from hundreds of options for you and your family. Some of the great brands to choose from include Anne Klein, bebe®, Flexon®, Lacoste, Nike, Nine West, Calvin Klein, and more.


Dental Disclosures

1 Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit a dentist and the cost of services rendered.

2 American Dental Association; Dentists: "Doctors of Oral Health", American Dental Association, Chicago, IL. Accessed February 1, 2021.

3 Based on MetLife data for a crown (D2740) in ZIP code 06340. This example is used for informational purposes only. Fees in your area may be different.

Based on internal MetLife analysis. Negotiated Fees refer 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 benefits maximums. Negotiated fees are subject to change.

5 Covered services under your plan are set forth in the certificate of insurance or summary plan description.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.

Vision Disclosures

1 Your actual savings by enrolling in a MetLife Vision Plan will depend on various factors, including plan premiums, number of visits by your family per year to an eye care professional and the cost of services and materials received. Be sure to review the Schedule of Benefits for your plan’s specific benefits and other important details.

2 Heiting, OD, Gary, Eye Exams: 5 Reasons Why They Are Important, February 2021.,

3 Custom LASIK coverage only available using wavefront technology with the microkeratome surgical device. Other LASIK procedures may be performed at an additional cost to the member. Additional savings on laser vision care is only available at participating locations

4 All lens options are available at participating private practices. Please note the maximum copays and pricing are subject to change without notice. Check with your provider for details and copays applicable to your lens choice. Please contact your local Costco to confirm the availability of lens options and pricing prior to receiving services. Additional discounts may not be available in certain states.

*Not all Pearle Vision locations participate in the MetLife Vision program. Please visit to confirm participating locations by using our Find A Provider online directory.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.

Vision benefits are underwritten by Metropolitan Life Insurance Company (MetLife), New York, NY. Certain claim and network administration services are provided through Vision Service Plan (VSP), Rancho Cordova, CA. VSP is not affiliated with MetLife or its affiliates.