MetLife Dental Insurance overview
Metlife can help you maximize your oral health and minimize out-of-pocket costs for routine dental check-ups, crown, caps, root canals, teeth removal and dental implants procedures and most things in between.
As of 2018, dental PPOs insurances like MetLife offers a broader selection of dentist providers than HMO managed-care plans. With a MetLife PPO, the patient pays for covered services after it receives a bill, which means that you may have to pay up front and then obtain reimbursement from your insurance carrier later.
You are free to choose any dentist you like from either the in-network or out-of-network lists, and you receive an agreed-upon level of benefits from the insurer according to the list you use. These types of policies are popular among both employer-provided and individual dental insurance plans like MetLife because they offer the customer flexibility and freedom.
You may go to any dentist, however, for maximum MetLife benefits at the lowest cost visit a participating network dentist.
What's the benefit of seeing an in-network MetLife dentist?
If your dentist is not in the network with MetLife you still recieve benefits, but you will pay higher out-of-pocket costs for the dental services.
MetLife dentist in-network Vs MetLife dentist out-network
If you choose a dentist from within the MetLife network, you receive the full benefits available under the policy. If you visit a dentist outside the network, you are still eligible for insurance coverage, but the benefits are often restricted, resulting in greater out-of-pocket costs for you.
What dental service are covered under MetLife dental?
There are certain services under your MetLife Dental plan that will have a copayment and frequency limitation. As an example, standard plans include frequency limitations for the following procedures: Exam, cleanings and x-rays. Standard plans includes copayments for the following procedures wisdom teeth extractions, root canals, white fillings, porcelain crowns, periodontal (gums) treatment, dentures and others. For more detailed information on service cover by your plan contact our office or MetLife customer service.