Dental Insurance

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.

Dental Insurance

Keep your smile and your bank account healthy

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

What you should know:

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, as well as an option for orthodontia

Maintaining good oral health helps prevent costly dental care as well as problems linked to medical conditions like diabetes or heart disease2

Did you know? 68% of employees say dental is a must-have benefit.3

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MAC Plan Design

Dental Insurance FAQs

There are thousands of general dentists and specialists to choose from nationwide, so you are sure to find one who meets your needs. Look for a list of participating dentists online at metlife.com.

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. 

  • Exams and Clearings
  • Root Canals
  • X-Rays
  • And much more
  • Fillings
  

We recommend that you request a pre-treatment estimate for services totaling more than $300. Simply have your dentist submit a request online at metdental.com 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, including:5 Exams and cleanings, root canals, X-rays, filings and much more.

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 metlife.com/mybenefits or call 1 800 GET-MET8.

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SUBMIT

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

2 American Dental Association; Dentists: "Doctors of Oral Health", American Dental Association, Chicago, IL.
http://www.ada.org/en/about-the-ada/dentists-doctors-of-oral-health. Accessed August 7, 2018.

3 Based on MetLife data for a crown (D2740) in ZIP code 19151. 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 the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife. This example is used for informational purposes only. Fees in your area may be different.

4 Based on internal MetLife analysis. Negotiated Fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any co-pays, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

5 Those services defined under your dental benefits summary are covered. Please review your plan benefits summary for a more detailed list of covered services.