How the Dental Plan Works

MetLife offers comprehensive dental benefits through their nationwide network of participating providers, Preferred Dentist Program (PDP) Plus. These benefits include preventive services, basic restorative services and major restorative services.

You select a dentist of your choice. However, if you choose a non-participating dentist, your out-of-pocket costs may be higher. The dentist hasn't agreed to accept negotiated fees, so you may be responsible for any difference in cost between the dentist's fee and the plan's benefit payment.

To view the provider directory or for more information, contact MetLife.

Information to Share with Your Provider
MetLife recommends providers and/or members to submit a pre-treatment estimate whenever a treatment plan is expected to exceed $300. Simply have your dentist submit a request online at www.metdental.com or call 1-877-MET-DDS9. You and your dentist will receive a benefit estimate for most procedures while you are still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment.

Coordination of benefits is available if member has additional dental coverage.

The cost of dental insurance is paid by the subscriber.

How the Dental Plan Works

1. The member may visit a network or non-network provider.
1. If utilizing a non-network provider, the member will be responsible for paying the provider in full, as well as submitting a claim form to MetLife. The out-of-pocket costs will most likely be higher.
2. The cost of the visit will also depend on the type of service the member received.
1. Preventive services are covered at 100%.
2. Members receiving basic or major restorative services must meet a $50 deductible. Once the deductible is met, members will pay coinsurance (see Covered Services and Limitations for more information).
3. Coverage is limited to $2,000 per person per calendar year.