Preferred Provider Organization (PPO)
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.
- Choose from over 470,000 in-network providers nationwide1
- Enjoy little to no out-of-pocket costs for cleanings, X-rays and in-network exams2
- Save 35-50% on dental list prices3
- Access clear aligner therapy options with providers like Invisalign and Bioliner4
- Use a virtual dental care assistant available 24/7
- Avoid paperwork in or out-of-network, when your dentist submits your claims for you.
Review your plan options:
RESOURCES
Oral health is connected to your overall health and wellness. MetLife provides access to educational resources and tools to help you maximize your PPO dental benefits.
Oral Health Library1
Access to valuable resources including:
- Risk Assessment Guides for you and your child
- Information about specific oral health diseases
- FAQs about dental procedures
Additional resources:
- PPO FAQ Flyer – Answers to common questions
- PPO Find a Dental Provider - Locate in-network provider
- MyBenefits Dental Estimator Slipsheet – Estimate costs before visiting your dentist
- Teledentistry Flyer – Learn about virtual dental care options
- DHMO vs PPO plan comparison - Guide comparing your choice of plans
Dental Insurance FAQs
There are thousands of general dentists and specialists to choose from nationwide to help meet your needs. Click here for a list of participating dentists in your area.
You are always free to select any general dentist or specialist. However, you usually save more when you visit a participating dentist who has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 35%-50% below the average fees charged in a dentist’s community for similar services.3 Non-participating dentists have not agreed to accept negotiated fees. You may be responsible for any difference in cost between the dentist’s fee and your plan’s benefit payment.
MetLife strongly recommends that you have your dentist submit a pretreatment estimate6 to MetLife if the cost is expected to exceed $300. When your dentist suggests treatment, have him or her send a claim form, along with the proposed treatment plans and supporting documentation, to MetLife. An explanation of benefits (EOB) will be sent to you and the dentist detailing an estimate of what services MetLife will cover and at what payment level. Actual payments may vary from the pretreatment estimate depending upon annual maximums, deductibles, plan frequency limits and other plan provisions at time of payment.
A number of dental procedures may be covered, such as exams and cleanings, root canals, X-rays, fillings and more.3
Dentists may submit claims for you, which means you have little or no paperwork. You can track your claims online and even receive email alerts when a claim has been processed. If you need a claim form, visit metlife.com/mybenefits or call 1-800-GET-MET8.
For HMO questions, contact MetLife’s HMO Customer Service at 866-837-2364 from 8:00 am – 11:00 pm EST.
1 Based on MetLife internal contracting system analysis as of May 2025.
2 Preventive services are subject to frequency limitations. Please see your certificate for more details.
3 Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for certain services, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. Negotiated fees do not apply to non-covered services in states that prohibit limitations for services not covered under a plan. Participating providers in these states may charge their non-negotiated fees for non-covered services. 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. This cost reflects the 80th percentile Reasonable and Customary (R&C) fee. R&C fees are calculated based on the lowest of 1) the dentist's actual charge, 2) the dentist's usual charge for the same or similar services or 3) the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.
4 Not available on all plans. Confirm coverage of these services with your provider prior to receiving care.
5 All information provided on this website is intended for your general knowledge only and is not a substitute for obtaining medical or dental advice for specific medical or dental conditions or other advice from your dentists or doctors. By making this website available to you, Metropolitan Life Insurance Company and its affiliates (collectively, “MetLife”) is not engaged in rendering any such advice. Use of this website is subject to all the terms stated herein. The website is developed, provided and maintained by Verifpoint. Insofar as the information provided on this website is from third parties or links to third party websites, it has no association whatsoever with MetLife, unless expressly stated.
6 MetLife strongly recommends that you have your dentist submit a pretreatment estimate to MetLife if the cost is expected to exceed $300. When your dentist suggests treatment, have him or her send a claim form, along with the proposed treatment plans and supporting documentation, to MetLife. An explanation of benefits (EOB) will be sent to you and the dentist detailing an estimate of what services MetLife will cover and at what payment level. Actual payments may vary from the pretreatment estimate depending upon annual maximums, deductibles, plan frequency limits and other plan provisions at time of payment.
Dental benefits are provided by Metropolitan Life Insurance Company (MetLife). Virtual dental services are provided by Teledentistry Network, Inc. (TNI). Dental.com (Website) is developed, provided and maintained by TNI and not MetLife. Use of the Website is subject to all the terms and conditions stated therein. TNI is not affiliated with MetLife or its affiliates.
Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. You may be financially responsible for copayments, deductibles, or any other amounts in excess of those MetLife is required to pay for covered services as described in your dental certificate and/or policy. Ask your MetLife representative for costs and complete details.