What Are the Types of Dental Insurance MetLife Offers?
If you're exploring dental insurance, choosing the right plan is about more than just price. You need coverage that matches your dental health needs, offers flexibility, and makes it easy to manage costs. MetLife offers a range of dental insurance options for individuals, families, and businesses alike. Whether you're looking for basic cleanings or more comprehensive treatment coverage, MetLife likely has a plan to fit your lifestyle and needs. Read on to take a closer look at the types of dental plans MetLife offers.
Individual and Family Dental Plans
MetLife provides stand-alone dental plans for individuals and families who are not enrolled in employer-sponsored benefits. These plans are typically offered through a PPO (Preferred Provider Organization) network, which means you can choose any dentist. You’ll save more when you stay in-network, however.
Coverage usually includes preventive care like exams, X-rays, and cleanings, often at no additional cost when you use an in-network provider. Most plans also provide benefits for fillings, root canals, extractions, and crowns. Some options may extend to orthodontic services, depending on the plan. These offerings are designed to support routine dental visits while also helping with unexpected dental needs.
Employer-Sponsored Dental Plans
MetLife is a popular choice for employer-sponsored dental benefits and partners with companies to offer a range of group plans. These group policies can include both PPO and DHMO (Dental Health Maintenance Organization) structures, allowing employers to tailor options for their workforce.
A PPO group plan gives employees the flexibility to choose any licensed dentist and covers both in- and out-of-network care, with the greatest savings when staying within MetLife’s network. In contrast, a DHMO plan requires members to select a primary dentist and receive referrals for specialist care. These plans generally have lower premiums and no deductibles, but all services must be provided by in-network professionals. Both types are designed to make it easier for employees to access affordable dental care.
Dental Plans for Federal and Military Employees
MetLife also offers dental coverage specifically for federal employees, retirees, and eligible military personnel through the Federal Dental and Vision Insurance Program (FEDVIP). These plans provide extensive coverage for preventive, restorative, and surgical dental services and are available nationwide. This can be an appealing option for government employees who want a consistent and comprehensive dental plan throughout their careers and into retirement.
Dental Discount Plan
In addition to insurance plans, MetLife offers a discount dental program known as MetLife TakeAlong Dental. While not insurance, this plan gives members access to a network of dentists who offer reduced rates on common procedures. Members pay an annual fee and can receive discounts on services such as cleanings, fillings, and even cosmetic dentistry. It’s a practical alternative for those who prefer to pay out of pocket while still managing their dental expenses more predictably.
What Should You Do Next?
If you're considering dental coverage, take a moment to think about how often you visit the dentist, what types of treatments you may need, and whether you prefer flexibility or cost control. MetLife offers a range of plans that can fit different situations, from basic preventive care to more extensive treatment needs. Visit MetLife’s website or speak with a licensed agent to compare options and choose the plan that best fits your needs.
To learn more about our billing and insurance coverage, contact us.