Metlife Dental Insurance Review
ConsumersAdvocate.org Rating: 8.8 / 10 (Excellent)
Metlife Dental Review
Metlife Dental specializes in providing dental insurance for groups and is currently one of the top providers of dental insurance in the country. Included in their Dental PPO plan is full service coverage for retirees, a big plus when enhancing retirement benefits.
What's included with Metlife Dental?
Negotiated network dental fees are typically 15-45% below community-average charges
More than 400 covered procedures, includes co-pays for services such as implants, veneers, white fillings, IV sedation, general anesthesia and nitrous oxide
Expanded preventative and diagnostic benefits — providing co-pays for procedures such as brush biopsies and additional cleanings when appropriate
Defined fees for materials and procedures requiring multiple services (e.g., root canals, crowns and bridges) – minimizing fee confusion
Metlife 2-9 Dental
How much does it save you?
Preventive/ Basic/ Major
100/ 80/ 50 percent with $50 deductible
$1000 - $1500
Treatments Covered and Reimbursement
Preventive/ Basic and Major services covered.
Savings from enrolling in the MetLife PDP will depend on various factors, including how often participants visit the dentist and the cost for services rendered.
Plan provisions regarding eligibility and late entrants apply.
MetLife VisionAccess is a discount program and not an insured benefit. It is provided through Vision Service Plan (VSP), Rancho Cordova, CA. VSP is not affiliated with Metropolitan Life Insurance Company or its affiliates.
Deductible waived for diagnostic and preventive services for plans 1 and 2. Plan number 2 is not available in Mississippi and Texas.
Groups with no prior dental coverage, or without acceptable evidence of prior dental coverage can only choose plan 3.
Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonable & Customary charge is based on whatever is lowest among (1) the dentist's actual charge, (2) the dentist's usual charge for the same or similar service or (3) the charge of similar dentists in the area for a similar service or services.
Metlife Dental provides decent savings on group plans and is especially useful for small businesses looking for dental coverage. However, this is subject to the availability of network and participating dentists in the area.