MetLife Dental Insurance Benefits

MetLife Dental Insurance benefits are offered by MetLife, Inc., one of America's leading insurance companies. MetLife provides everyday dental insurance solutions catering to the insurance and financial needs of businesses and individuals.

The company currently serves more than 21 million members who enjoy the plan's many benefits, tools, and resources. MetLife's aim is helping members make wise decisions when it comes to dental health. To that end, they also provide patient education by sharing information gathered by the MetLife Dental Advisory Council, a reputable group of academics and dentists.

MetLife Dental Insurance Benefits Explained

MetLife Dental benefits are offered to those who purchase dental insurance coverage through MetLife. MetLife provides a comprehensive dental plan program that includes both PPO (Preferred Provider Organizations) and HMO (Health Maintenance Organization) dental plans. MetLife also coordinates with a comprehensive network of dentists and organizations which provide premium services within their dental programs.

Dental Insurance

Dental Plans

HMO plans provide you with affordable coverage from in-network dentists. Referrals are required to visit specialists, and specialist treatment is fully or partially covered if provided by an in-network dentist. HMO plans are considered to be MetLife's most affordable dental health plans, and can be purchased alone or in conjunction with a health insurance plan at a discount.

The PDP (Preferred Dentist Program) and other customized PPO plans are considered MetLife's premium dental benefits packages. Obtaining a PDP or PPO plan allows you to choose your dentist from a wide network of qualified dentists and obtain partial reimbursement even for care provided by dentists outside the network.

The MetLife official website provides a directory of dentists for you to choose from and gives you the option to select your own dentist. When you purchase MetLife's dental plan, you automatically receive access to almost 100,000 dentists throughout the US.

MetLife works with qualified dentists who offer expert service. The dentists who are part of MetLife's programs are qualified professionals who hold valid licenses and who have strong reputations within the MetLife community. MetLife contracts with only those dentists they believe will provide the best care for their members. PDP dentists within the MetLife Network are also offered free education and training certified by the American Dental Association (ADA). This ensures the dentists are on top of the latest developments within their field.

Out of Network Dentists

Despite having its own large database of dentists, MetLife dental insurance benefits provide partial coverage if you elect to work with your dentist of choice, even if that dentist is not included in the network. However, while MetLife will provide you with partial payment and discounted rates for services performed by an out-of-network dentist, you will still incur additional costs for not utilizing in-house dental services.

Coverage

Covered treatments are categorized into four general types: basic, intermediate, major, and orthodontia. You can elect to purchase coverage for one, several or all of these categories.

• Basic coverage includes cleaning, oral exams, x-rays and related in-office procedures.
• Intermediate coverage includes fillings and periodontal services.
• Major coverage includes bridges, implants, crowns, dentures and root canals.
• Orthodontia includes everything involved in comprehensive orthodontics.

Purchasing MetLife Dental Insurance

MetLife caters to both corporations and individuals. Individuals and small businesses purchasing private dental insurance enjoy the same comprehensive dental insurance coverage they would receive if they obtained dental insurance through employers.

To sign up for MetLife insurance, contact a MetLife representative via email, fax, or phone, to inquire about the dental services and their costs. Existing customers can also see updated account details, such as pending insurance claims, the status of existing claims, or your claim history, online.

Cost

MetLife Dental Plans ensures its member enjoy dental services at reasonably low costs. Premiums vary depending on your state and the benefits package selected. Families can receive a discount on purchasing dental insurance, and special rates are also available for spouses and other dependents.

MetLife Dental Insurance strives to offer its members top of the line service to ensure they, and their families, get the dental care they need. MetLife insurance plans cover comprehensive dental care for many oral conditions and ailments. However, patients should ensure they understand the full terms and conditions of their policies and that they compare benefits and premiums before making any insurance decisions.