MetLife offers several types of dental insurance plans to meet a variety of personal and financial needs. Whether you are looking for a plan that gives you the freedom to visit any dentist or one that provides predictable monthly costs and simplified care, MetLife has options that balance flexibility, affordability, and coverage.
One of the most widely used plans MetLife provides is the Dental PPO, which stands for Preferred Provider Organization. PPO plans are popular because they allow you to visit any licensed dentist. However, you will usually pay less when you use a dentist within the MetLife network. These in-network providers have agreed to offer services at reduced rates, which helps you save money. Preventive care such as routine cleanings, oral exams, and basic X-rays is typically covered at 100% when you stay in-network.
In addition to preventive services, PPO plans also cover a range of basic and major procedures. This may include services like fillings, crowns, root canals, extractions, and other treatments. The specific amount your plan pays for these services depends on your plan’s terms. PPO plans generally have a deductible, which is the amount you must pay before the insurance begins to cover costs. After you meet the deductible, you and MetLife share the cost of services through coinsurance. There is also an annual maximum, which is the most the plan will pay during a calendar year.
For individuals who prefer more structured care and lower premiums, MetLife may offer a DHMO plan, or Dental Health Maintenance Organization plan. With a DHMO, you are required to select a primary care dentist from MetLife’s network. All of your dental care is coordinated through that provider, and you may need referrals for specialist visits. These plans usually have no deductible, and they feature fixed copayments for certain services. While DHMO plans are more limited in provider choice, they offer consistent out-of-pocket costs, which can make it easier to plan and budget.
MetLife also offers group dental plans through employers. These employer-sponsored plans often come with additional benefits, which may include orthodontic care, dental implants, or cosmetic procedures such as teeth whitening. Because employers typically share the cost of the monthly premiums, group dental plans can be more cost-effective than individual plans.
Choosing the right MetLife dental plan depends on your personal preferences and dental care habits. If you visit the dentist regularly and want the ability to choose any provider, a PPO might be the best fit. If you prefer to know exactly what you will pay and are comfortable choosing from a smaller list of providers, a DHMO may be more suitable. Thinking about the types of dental care you expect to need can help guide your decision.
To get help understanding your options, consider reviewing plan details on the MetLife website or contacting MetLife customer service. You can also speak with your current dental provider to see which plans they accept. They may be able to explain how each plan works and help you choose one that fits your needs and supports your long-term dental health.
To learn more about coverage and treatments, contact us.