Dental Insurance Benefits

Find out what the MetLife Veteran Plus Family plans cover and decide on an option that's right for you.

Highlights of MetLife's Plans:

High Plan

  • $3,000/$3,5001 annual plan maximum per person
  • No annual deductible for in-network benefits
  • Orthodontia coverage for dependent children up to age 19

Both Plans:

  • No waiting periods for major procedures (except for Orthodontia in high plan which has a 24-month waiting period)

Coverage Type

With the Veteran Plus Family Dental Insurance Program you have a choice of two plan options - Standard and High. Both options cover a broad range of important dental services. Please review the plan details below to help you decide on the option that best fits your needs.

Coverage Option
Basic — Class A — cleanings, X-rays and oral examinations
Intermediate — Class B — fillings and periodontal maintenance
Major — Class C — crowns, bridges, root canal treatment and dentures
Orthodontia – Class D — comprehensive orthodontic treatment, fixed appliance

Standard Option

In-Network
100%
50%
30%
Not Covered

Standard Option

Out-of-Network
60%
40%
20%
Not Covered

High Option

In-Network
100%
70%
50%
50%

High Option

Out-of-Network
90%
60%
40%
50%
Coverage Option
1st Year Annual Maximum/ Maximum Per Person —
Dependent Child Ortho Lifetime Maximum Per Person —
Annual Deductible Per Person — (Applies to Basic, Intermediate and Major Services)

Standard Option

In-Network
$1,300/$1,500*
Not Covered
$50.00

Standard Option

Out-of-Network
$1,000/$1,200*
Not Covered
$50.00

High Option

In-Network
$3,000/$3,500*
$3,000
$0.00

High Option

Out-of-Network
$3,000/$3,500*
$3,000
$50.00

Increases to the higher  amount on the January 1st following completion of 12 months of enrollment in the selected option.

Orthodontia

Orthodontia coverage is available for Dependents up to age 19 who are enrolled in the High Option. The Dependent must be covered under the High option for 24 consecutive months before orthodontia benefits will be covered.

Please view the MetLife Veteran Plus Family Dental Insurance Plan Summary to view the covered services, exclusions and limitations.

In-Network

What will your dentist charge you? In-network dentists will charge the negotiated fee for the covered service. In-network dentists have agreed to accept negotiated fees as payment in full for covered services, subject to any deductibles, co-payments, cost sharing and benefit maximums.  Negotiated fees may also apply to services received after you've reached your annual maximum benefit to the extent permitted by applicable law. Negotiated fees are typically 30% to 45% less than average dental charges in the same community (based on MetLife data). Negotiated fees are subject to change. In the first table above, the In-Network percentages shown are the percentage of the negotiated fee paid by the plan. The participant is responsible for the portion of the negotiated fee that the plan does not pay.

Out-of-Network

What will your dentist charge you? A fee set by each individual dentist, which is typically higher than the negotiated fee. You will be responsible for the difference between your dentist's actual charge and the portion of the Maximum Allowable Charge paid by the Plan, subject to any deductibles, co-payments, cost sharing and benefits maximums.

The Maximum Allowable Charge is a scheduled amount determined by MetLife. In the first table above, the Out-of-Network percentages shown are a percentage of the lesser of (i) the dentist's actual fee or (ii) the Maximum Allowable Charge.

Like most group benefits programs, the MetLife Veteran Plus Family Dental Insurance Program contains certain exclusions, exceptions, an Orthodontia waiting period, reductions, limitations and terms for keeping them in force. Please download the plan summary to access these and other coverage details.

Find a dentist near you

1 The Annual Maximum will increase by $200 in the Standard Option, and by $500 in the High option on January 1st following completion of 12 months of enrollment in the selected option.