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Dental

what you need to know

Your smile says a lot about your overall health and well-being. And your teeth provide key insight into any potential health issues. That’s why we offer two MetLife Dental plans, both of which provide comprehensive coverage for you and your family.

How the Dental Plans Work
Plus PPO Benefits at a Glance
Core PPO Benefits at a Glance

How the Dental Plans Work

Our dental plans help you maintain a healthy smile, covering important services, such as regular preventive dental care. Choose between two plans:

Since both plans are Preferred Provider Organizations (PPO), you have flexibility in choosing a dentist that’s within the MetLife Dental network or outside of it. But you’ll pay less when you see one that’s in-network.

When you visit an out-of-network dentist, you’re still covered, but you’ll pay more because:

  • You won’t qualify for reduced rates.
  • Claims will be reimbursed at a lower coinsurance percentage (coinsurance is the percentage the plan pays).
  • You’ll be responsible for paying the difference between what the plan pays and the amount your out-of-network dentist charges.
  • You may be required to pay for services up front and file a claim for reimbursement through your plan.

Plus PPO Benefits at a Glance

Calendar-Year Deductible
Preventive & Diagnostic Services (e.g., X-rays, cleanings, exams) Includes 3 cleanings per year
Basic Services
Major Services
Calendar-Year Maximum (does not apply to orthodontia expenses)
Orthodontia (children up to age 26 and adults)
Lifetime Orthodontia Maximum
In-Network
$50 employee only/$150 family
No charge* (preventive care includes 3 cleanings per year)
You pay 10%
You pay 40%
Plan pays up to $2,000
You pay 50%
Plan pays up to $2,000
Out-of-Network
$50 employee only/$150 family
No charge*
You pay 20%
You pay 50%
Plan pays up to $1,750
You pay 50%
Plan pays up to $1,750

* Preventive care does not apply to the annual maximum.

View additional details in the 2025 Benefits Guide and review cost for coverage.

Core PPO Benefits at a Glance

Calendar-Year Deductible
Preventive & Diagnostic Services (e.g., X-rays, cleanings, exams)
Basic Services
Major Services
Calendar-Year Maximum
Orthodontia
In-Network
$50 employee only/$150 family
No charge (preventive care includes 2 cleanings per year)
You pay 20%
You pay 50%
Plan pays up to $1,500
Not covered
Out-of-Network
$50 employee only/$150 family
You pay 20%
You pay 40%
You pay 50%
Plan pays up to $1,250
Not covered

View additional details in the 2025 Benefits Guide and review cost for coverage.

Questions?

Dental

MetLife Dental

Plan Number/Network: 0243247
1-800-438-6388
Website

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