FEATURED STORY
A Reason to Smile
Get some simple tips to find the right dentist. Don’t wait until a problem forces you into the dentist’s chair!
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.
What type of information are you looking for?
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.
HMO/Managed Care Plan
Comprehensive coverage that protects your oral health and your wallet. Now that’s something to smile about!
MetLife TakeAlong Dental
Need a dental program that stays with you? This on-the-go dental coverage protects your smile and savings, everywhere.
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.
Federal Dental Plan (FEDVIP)
Comprehensive dental coverage for Federal employees, annuitants, retired uniformed service members and their families.
Federal Legal Plan
Convenient access to legal support for wills, family matters, traffic tickets and more for one low monthly fee.
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
Plan highlights:
- Yearly cost less than attorney fee for a one-hour consultation8
- Legal protection for you and your family
- No copays, deductibles, or claim forms9
- Coverage for 80+ legal matters
- A nationwide network of over 18,000 experienced attorneys
- Flexible support options – online, by phone, or in person
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
Ourextensivenetwork
Why MetLife
Extensive provider network
The MetLife dental network includes thousands of providers, so finding the right dentist is easy.
Flexibility to see any dentist
Our plans give you the flexibility to visit providers in or out-of-network. Most cleanings and exams are covered 100%.4
Cost savings
As a MetLife member, take advantage of our negotiated fees, typically 35 - 50% less than the average dental costs.3
FEATURED STORY
Need Help?
Log in to manage your MetLife account or to access claim forms and additional resources.
Dental Insurance FAQs
Expand All
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.
LEGAL FOOTNOTES
1 Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit the 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 February 1, 2021.
3 Based on internal analysis by MetLife. 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 benefit maximums. Negotiated fees are subject to change.
4 Subject to frequency limitations.
5 Except for orthodontia in high plan which has a 24-month waiting period.
6 Based on MetLife data. Savings from enrolling in the MetLife Federal Dental Plan will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered.
7 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.
8 When using a network attorney for a covered matter.
9 Average monthly rate for the MetLife legal plan. Average hourly rate of $370.00 based on years of legal experience, National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2018).
Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166.
Dental Managed Care plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation, in NY. Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc. a California corporation, in CA; SafeGuard Health Plans, Inc. a Florida corporation, in FL; SafeGuard Health Plans, Inc., a Texas corporation, in TX; and MetLife Health Plans, Inc., a Delaware corporation, and Metropolitan Life Insurance Company, a New York corporation, in NJ. The Dental HMO/Managed Care companies are part of the MetLife family of companies. “DHMO” is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: “Specialized Health Care Service Plans” in California; “Prepaid Limited Health Service Organizations” as described in Chapter 636 of the Florida statutes in Florida; “Single Service Health Maintenance Organizations” in Texas; and “Dental Plan Organizations” as described in the Dental Plan Organization Act in New Jersey.
Dental benefits are provided by Metropolitan Life Insurance Company (MetLife) or an affiliate of MetLife. Certain administrative services are provided by Careington Benefit Solutions, Frisco, TX (Careington). Careington is not affiliated with MetLife or its affiliates. In certain states, availability of the individual dental product is subject to regulatory approval.
Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact your plan administrator for costs and complete details.
VADIP: Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods, and terms for keeping them in force. Please contact MetLife or view the VADIP Plan Summary for cost and complete details.
FEDVIP: Like most group benefits programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. For more information please view the Federal Dental Plan Brochure, which will govern these plan options and can be viewed by visiting MetLife.com/FEDVIP-Dental.