Learn more about
Dental Insurance
Dental Plan Design
The DHMO plan offers in-network only coverage on a fee-for-service basis. Refer to the schedule of benefits for more detail on plan coverages.
The DPPO plans give you the flexibility to use both in-network and out-of-network providers. When you use an out-of-network provider, however, you will be responsible for filing claims and paying any charges that exceed the plan’s usual and customary charges.
Search for providers at metlife.com.
Basic DHMO
In-Network Only
Calendar Year Deductible1 (Individual / Family)
$0 / $0
Calendar Year Maximum
None
Preventive Services Up to 3 per year
Per Fee Schedule
Basic Services
Per Fee Schedule
Endodontics and Periodontics
Per Fee Schedule
Major Services
Per Fee Schedule
Orthodontia Lifetime Maximum
Not Covered
Orthodontia
Not Covered
Out-of-Network
Preventive Services
No Coverage
Basic Services
No Coverage
Major Services
No Coverage
Bronze DPPO
In-Network
Calendar Year Deductible1 (Individual / Family)
$50 / $150
Calendar Year Maximum
$1,500
Preventive Services Up to 3 per year
Covered 100%
Basic Services
CYD + 20%
Endodontics and Periodontics
CYD + 50%
Major Services
CYD + 50%
Orthodontia Lifetime Maximum
Not Covered
Orthodontia
Not Covered
Out-of-Network2
Preventive Services
CYD + 20%
Basic Services
CYD + 50%
Major Services
CYD + 50%
Silver DPPO
In-Network
Calendar Year Deductible1 (Individual / Family)
$100 / $300
Calendar Year Maximum
$2,000
Preventive Services Up to 3 per year
Covered 100%
Basic Services
CYD + 20%
Endodontics and Periodontics
CYD + 20%
Major Services
CYD + 50%
Orthodontia Lifetime Maximum
$2,000
Orthodontia
CYD + 25%
Out-of-Network2
Preventive Services
Covered 100%
Basic Services
CYD + 20%
Major Services
CYD + 50%
Gold DPPO
In-Network
Calendar Year Deductible1 (Individual / Family)
$500 / $1,500
Calendar Year Maximum
$5,000
Preventive Services Up to 3 per year
Covered 100%
Basic Services
CYD + 20%
Endodontics and Periodontics
CYD + 20%
Major Services
CYD + 50%
Orthodontia Lifetime Maximum
$5,000
Orthodontia
CYD + 25%
Out-of-Network2
Preventive Services
CYD + 20%
Basic Services
CYD + 20%
Major Services
CYD + 50%
- The annual deductible applies to basic, major, and orthodontia coverage.
- Out-of-Network outline reflects the usual and customary cost sharing. You could be subject to balance billing above these outlines if you use an out-of-network provider.
Preventive
Procedures that dentists use to diagnose, monitor, and maintain a patient's oral health:
- Cleaning and oral exam
- Fluoride treatment
- Sealants
- X-rays
Basic
Treatments that are relatively straightforward and don’t involve a significant laboratory expense:
- Filling
- Tooth removal
- Root canal
- Anesthesia
Major
Procedures that are more complex and often involve a dental laboratory expense:
- Bridges and dentures
- Inlays, onlays, and veneers
- Crowns, bridges, and dentures (repair & maintenance)
Orthodontia
Specialist care and corrective action to align bite and/or straighten teeth:
- Appliances, including braces and retainers
- Only available to children on the plan
MetLife Resources
Digital Tools
MetLife’s mobile app puts your ID card, plan details, and claim information at your fingertips. For added convenience, it also includes features like:
- A Find a Dentist tool with easy access to provider ratings
- Online appointment scheduling for select dentists
- Convenient claim status notifications via text messaging
Our digital tools available on MyBenefits also include:
- Access to a Dental Cost Estimator so you can view personalized, plan-specific, and ZIP code-based cost estimates for most common procedures – as well as the deductibles, plan maximums, and frequency limitations that apply.
- A digital virtual assistant that’s available 24/7 to help you with common tasks like accessing coverage information, getting personalized estimates, or viewing claims.
Dental Travel Assistance
Our International Dental Travel Assistance program provides international assistance tied to your out-of-network benefits, including:
- 24/7 help in multiple languages
- Access to dental providers (based on strict credentialing criteria) in approximately 200 countries
- Toll-free calling within the U.S. or collect calling outside the U.S
SmileDirectClub
MetLife Dental benefits include valuable discounts on SmileDirectClub’s customized clear aligners, whether your plan includes orthodontia coverage or not. Plus, all SmileDirectClub dentists are part of MetLife’s Dental provider network.
Teledentistry
MetLife Dental provides teledentistry options, so you’re able to connect with your dentist from home via smartphone, tablet, or computer for problem-focused exams and reevaluations.
Contribution Rates
Per Pay Period - Biweekly
Contact the provider of these benefits by calling this phone number or visiting this website: 800-638-2862, mybenefits.metlife.com
This Digital Benefits Guide is intended to highlight available benefits and should not be relied upon to fully determine coverage. The benefits plan may not cover all health care expenses. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage that you will receive upon request. If this Digital Benefits Guide conflicts in any way with the policy issued by the employer, the policy shall prevail.