MetLife offers a variety of dental insurance plans designed to cater to the needs of individuals, families, and employees. Below is an overview of the main types of dental insurance plans offered by MetLife.
Preferred Provider Organization (PPO) Plans
MetLife’s PPO dental insurance plans, such as the Preferred Dentist Program (PDP), are ideal for those who want flexibility in choosing their dental care providers. With a PPO plan, policyholders have the freedom to visit any licensed dentist, whether they are in-network or not. That said, choosing an in-network dentist will generally result in lower out-of-pocket costs, as these providers often agree to discounted rates for MetLife customers.
PPO plans are best suited for individuals who value the ability to choose their dentists while seeking a balance between cost and flexibility. They provide comprehensive coverage, including preventive services like cleanings and exams, as well as more complex procedures such as fillings, crowns, and root canals.
Dental Health Maintenance Organization (DHMO) Plans
For individuals seeking a more cost-effective dental insurance option, MetLife offers Dental Health Maintenance Organization (DHMO) plans, which offer lower premiums and are designed to provide predictable costs for care. With DHMO plans, policyholders must select a primary care dentist from a network of participating providers. These plans generally do not require deductibles or annual maximums, making them an attractive option for those who want to manage their dental expenses more effectively.
If you're looking for an affordable and straightforward approach to dental coverage, a DHMO plan could be a good fit. Still, DHMO plans have certain restrictions. For example, policyholders typically need a referral from their primary care dentist to see a specialist.
Other Options
MetLife also provides group insurance plans, typically accessible through employers, which offer comprehensive coverage at competitive rates. Premiums can be deducted directly from employees’ paychecks. Group dental insurance plans are an excellent option for those who receive benefits through their employer, as they often provide more affordable coverage compared to individual plans.
MetLife’s TakeAlong Dental plans are designed for individuals who do not have access to employer-sponsored dental insurance, or want to maintain their dental coverage upon leaving a job. Such plans are portable, meaning they can be kept even if an individual’s employment situation changes. Available in both PPO and DHMO options, TakeAlong Dental plans provide flexibility for those seeking continuous coverage.
MetLife also participates in the Federal Employees Dental and Vision Insurance Program (FEDVIP), which provides dental insurance options for federal employees, retirees, and their families. FEDVIP plans offer comprehensive dental coverage—including preventive care, basic services, and major dental treatments—and are designed to meet the needs of federal employees, offering competitive pricing and a variety of plan options and helping to reduce the financial burden of oral health expenses.
Ultimately, MetLife provides a variety of dental insurance plans that can be tailored to meet your oral health care needs. By understanding the various types of dental insurance available, you can make an informed decision about the plan that best fits your budget and lifestyle.
To learn more about coverage and treatments, contact us.