Metlife Dental Insurance
What is the MetLife Preferred Dentist Program? The MetLife Preferred Dentist program is a Dental Preferred Provider Organization (PPO) plan that is designed to save you money on dental services.1 You can choose from thousands of participating general dentists and specialists nationwide. Plus, with this plan you will enjoy lower out-of-pocket costs for in-network services, freedom to use any dentist and less paperwork.
What is a participating dentist? A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services provided to plan members. Negotiated fees typically range from 15% - 45% less than the average charges in a dentist's community for similar services.*
*Based on internal analysis by MetLife. Negotiated fees refers 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.
How do I find a participating dentist? You can find the names, addresses, specialties, languages spoken and telephone numbers of participating dentists in a given area by searching their online directory
Can I buy coverage for myself and my family if I don’t have dental insurance at work? Yes. MetLife TakeAlong DentalSM offers continuous coverage that you can buy on your own and take from one job to the next.
What if I need emergency care? All dental offices that participate in the network provide emergency access 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 the Evidence of Coverage located in the enrollment booklet.
What if I have an HMO plan and I need to see a specialist? 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 pre-authorization 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.