Overview
Healthy teeth and gums are important to your overall wellness. To help you maintain your dental health and address any dental issues, coverage through MetLife pays for most preventive and diagnostic care and helps pay for the cost of basic/restorative and major services. The Premium Plan also provides orthodontia benefits for you and your covered dependents.
Who’s eligible?
All regular full-time US employees are eligible for dental benefits. You may enroll within 31 days of your hire date. After that, you may enroll or change your coverage during our annual open enrollment period or within 31 days of a qualified life event. Learn more about life events.
As an eligible employee, you can also enroll your:
- Spouse or domestic partner
- Children up to age 26
- Disabled children over the age of 26
2024 dental plans:
- DPPO Value
- DPPO Premium
Key features at a glance:
- Free in-network preventive care with no deductible.
- Affordable coverage that helps you manage the cost of dental treatment from both in- and out-of-network providers.
- Wide network of providers that have agreed to negotiated rates, which helps you save money.
Find a network dentist
You may choose to see any in- or out-of-network dentist you’d like, but you’ll generally pay less when you use an in-network dentist. Visit the MetLife website for more information.
Coverage details:
| MetLife | DPPO Value | DPPO Premium | ||
|---|---|---|---|---|
| In-Network | Out-of-Network* | In-Network | Out-of-Network* | |
| Calendar Year Deductible (waived for Preventive Services In-Network) | $50 individual $150 family | $100 individual $300 family | $50 individual $150 family | $50 individual $150 family |
| Calendar Year Maximum Benefit | $1,000 | $2,500 | ||
| Services | ||||
| Diagnostic & Preventive | You pay $0 | You pay 20% | You pay $0 | You pay $0 |
| Basic (e.g., fillings and extractions) | You pay 20%, plan pays 80% | You pay 30%, plan pays 70% | You pay 20%, plan pays 80% | You pay 20%, plan pays 80% |
| Major services (e.g., dentures, crowns, bridges) | You pay 50%, plan pays 50% | You pay 60%, plan pays 40% | You pay 50%, plan pays 50% | You pay 50%, plan pays 50% |
| Adult/Child Orthodontia (child up to age 26) | Not covered | You pay 50%, plan pays 50% | You pay 50%, plan pays 50 | |
| Adult/Child Orthodontia Lifetime Maximum | Not covered | $1,500 | ||
*Note: If you visit an out‐of‐network provider, you are responsible for charges above usual, customary, and reasonable (UCR) limits.
Using your dental benefits
Here’s how to make the most of your dental benefits:
Choose an in-network provider.
Each time you need dental care, you have a choice of providers. Selecting a MetLife participating dentist will ensure you receive the highest benefits from your plan. To find a provider, visit the MetLife website.
Provide your plan identification information at your dentist’s office.
You don’t need to show an ID card. Your member number is your Social Security number.
If your service will exceed $300, submit for a pre-treatment estimate.
You should always submit a request for a pre-treatment estimate for procedures and services your dentist believes will exceed $300 (procedures such as crowns, inlays, bridges, and periodontics). For more information about pre-treatment estimates, call MetLife at 800.438.6388 or visit the MetLife website.
Check your claim status and other information on the MetLife website.
You can review Explanation of Benefits (EOB) statements, check if claims have been paid, and more.