Dental Insurance

Didyouknow

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 help 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 disease.2
  • 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.

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Our Dental Insurance Plans

PPO Plans

Choose from a large network of dentists and oral care specialists to find the right provider for you and your family.

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HMO/Managed Care Plan

Comprehensive coverage that protects your oral health and your wallet. Now that’s something to smile about!

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MetLife TakeAlong Dental

Need a dental program that stays with you? This on-the-go dental coverage protects your smile and savings, everywhere.

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PPO plans provide benefits for a broad range of covered services/procedures, giving you the flexibility to choose any licensed dentist, in or out-of-network.

  • Expansive network of dental providers
  • More savings when you stay in-network1
  • No paperwork; in- or out-of-network dentists submit your claims
  • More savings in your wallet with MetLife’s negotiated fees at savings of 35-50% off dentist list prices3
  • Preventive care is often covered 100%, in-network4  


Ask your employer about MetLife Dental Insurance.

Pair comprehensive coverage and great savings1  with our HMO/managed care network. Only available in CA, FL, NJ, NY, and TX.

  • Large network of participating dental providers to choose from
  • Preselect a dentist when you enroll
  • Hundreds of services offered at costs that may be lower than typical dental fees1
  • No deductibles to meet and no claims to submit

 

Ask your employer about MetLife Dental Insurance.

 

Finding the right insurance to keep your smile healthy has never been easier for your mind and your wallet. MetLife gives you the information necessary to feel confident in your choices.

  • More savings in your wallet because MetLife has negotiated network fees at 35%-50% lower than typical service costs3
  • Freedom to choose your dentist, both in- and out-of-network, but higher costs may apply for out-of-network
  • 100% coverage for hundreds of services and procedures4
  • Program options that fit your budget and oral health needs

Solutions for Federal Government Members

Veteran Affairs Dental Insurance Program (VAD

MetLife helps protect the smiles of Veterans, their families and CHAMPVA members with comprehensive coverage.

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Federal Dental Plan (FEDVIP)

Comprehensive dental coverage for Federal employees, annuitants, retired uniformed service members and their families.

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Plan highlights:

  • Choice of two plan options
  • 100% coverage for in-network cleaning and exams4
  • No waiting periods for most major procedures5
  • Orthodontia coverage for children up until age 19 (High plan) 

Plan highlights:

  • Choice of two plan options
  • 100% coverage for in-network cleanings and exams4
  • No waiting periods for in-network services
  • Discounts up to 50% when you use an in-network dentist6

Help Keep Your Smile Health

Keep your oral health — and associated costs — in a great place.

DID YOU KNOW?

Dental issues are painful and expensive. Did you know that a crown can cost up to $1,535?7

Find a Dentist

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Why MetLife

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A Reason to Smile

Dental insurance can help cover costs, while HSA can help cover certain out-of-pocket expenses. Let’s look at some of the eligibility requirements and get a better idea of which dental expenses are covered by an HSA.

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Dental Insurance FAQs

MetLife’s Preferred Provider Organization (PPO) plans feature the MetLife Preferred Dentist Program, which is designed to save you money on dental services.1 You can choose from thousands of participating general dentists and specialists nationwide. Plus, you will enjoy lower out-of-pocket costs for in-network services, freedom to use any dentist, and less paperwork.

A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 35 - 50% less than the average charges in a dentist’s community for similar services.3

You can find the names, addresses, specialties, languages spoken, and telephone numbers of participating dentists in a given area by searching our online directory – Find A Dentist.

Yes. MetLife TakeAlong DentalSM offers coverage that you can buy on your own and take from one job to the next.

All dental offices that participate in the network provide instructions on how to access emergency care 24 hours a day, 7 days a week. If you cannot reach your selected participating dentist, you may receive emergency care from any licensed dental care professional. The definition of what is considered “emergency care” and other specifics can be found in your policy, Certificate of Insurance, Evidence of Coverage or Summary Plan Description.

If your selected participating dentist determines that you need specialty care, you have access to a network of specialty care providers. Most plans are direct referral plans, which means your selected participating dentist will provide you with the name of a network specialist. No preauthorization is required. You can call the specialist directly to schedule your visit.

Any copayment amount for specialty services is listed in your Schedule of Benefits.

NEXT STEPS

Contact your employer for more information.