When it comes to oral health, having the right dental insurance can make a world of difference. MetLife Dental is one of the most trusted names in dental insurance across the United States, serving millions of policyholders. Known for its flexible plans, extensive dentist network, and comprehensive coverage options, MetLife Dental helps individuals and families maintain healthy smiles without breaking the bank.

In this guide, we will explore everything you need to know about MetLife Dental—including plan options, benefits, coverage details, costs, how to enroll, and tips for maximizing your plan.

What Is MetLife Dental Insurance?

MetLife Dental is the dental insurance arm of MetLife, one of the largest global providers of insurance, annuities, and employee benefit programs. Their dental coverage is designed to reduce out-of-pocket costs for preventive, basic, and major dental care.

MetLife offers both PPO (Preferred Provider Organization) and DHMO (Dental Health Maintenance Organization) plans, allowing members to choose the option that best fits their budget and needs.

Types of MetLife Dental Plans

1. MetLife Dental PPO Plans

The PPO plan offers flexibility and freedom to choose any licensed dentist. While you can visit any provider, you’ll save more when you choose in-network dentists.

Key Features:

• Large nationwide network

• No referral required to see a specialist

• Out-of-network coverage available

• Annual largest benefit limits

• Preventive services often covered at 100%

2. MetLife Dental HMO/Managed Care Plans

The DHMO plan is a cost-effective option with lower monthly premiums but requires you to use in-network dentists.

Key Features:

• Fixed copayments for covered services

• No deductibles or annual maximums

• Requires selecting a primary care dentist

• Referrals may be needed for specialists

3. MetLife TakeAlong Dental

This is a portable dental plan you can keep even if you change jobs or retire. It’s designed for individuals, families, and seniors who want continuous coverage.

Key Features:

• Portable coverage you can take anywhere

• Flexible PPO options

• Affordable premiums

Coverage and Benefits

MetLife Dental plans typically cover services in three categories:

1. Preventive Care

Preventive care is usually covered at 100% when you use an in-network dentist.

• Oral exams and checkups

• Cleanings (usually twice per year)

• X-rays

• Fluoride treatments (for children)

2. Basic Services

Basic dental care often requires a copayment or coinsurance.

• Fillings

• Simple tooth extractions

• Periodontal maintenance

• Emergency dental treatment

3. Major Services

Major services typically have a higher coinsurance rate and may require a waiting period.

• Crowns and bridges

• Dentures

• Root canals

• Oral surgery

MetLife Dental Costs

The cost of a MetLife Dental plan depends on several factors:

• Type of plan (PPO vs DHMO)

• State of residence

• Number of covered members

• Employer contributions (if provided through work)

Average Costs:

• Individual PPO plan: $25–$45/month

• Family PPO plan: $70–$150/month

• DHMO plans: $10–$25/month per person

MetLife Dental Network

MetLife has one of the largest dental provider networks in the United States, with over 146,000 participating dentists. This ensures easy access to dental care whether you live in a big city or a rural area.

Advantages of MetLife Dental

• Extensive network of dentists

• Flexible plan options for individuals and families

• Preventive care covered at 100% (in-network)

• Portable coverage through TakeAlong Dental

• Affordable employee benefit plans

Potential Limitations

• Some plans have waiting periods for major services

• Out-of-network care can be more expensive

• DHMO plans require network restrictions

How to Enroll in MetLife Dental

You can enroll in a MetLife Dental plan through:

• Employer-provided benefits

• Direct purchase via MetLife’s website

• Insurance brokers and marketplaces

Tips for Maximizing Your MetLife Dental Plan

1. Use in-network dentists to save more

2. Schedule preventive visits every 6 months

3. Check coverage before major treatments

4. Use your benefits annually to avoid losing unused coverage

5. Coordinate with other insurance if you have dual coverage

MetLife Dental for Seniors

Seniors can benefit from TakeAlong Dental PPO plans, which offer affordable premiums, nationwide coverage, and no upper age limits.

MetLife Dental and Orthodontics

Many MetLife plans cover orthodontic treatment for children and, in some cases, adults. Coverage varies, so check your plan details.

MetLife Dental vs Competitors

Feature	MetLife Dental	Delta Dental	Cigna Dental
Network Size	146,000+	152,000+	93,000+
PPO Plans	Yes	Yes	Yes
DHMO Plans	Yes	Yes	Yes
Portable Coverage	Yes	Limited	Limited
Orthodontics	Some plans	Some plans	Some plans

MetLife Dental: Complete Guide to Plans, Coverage, and Benefits

Customer Reviews

Most customers appreciate MetLife Dental for:

• Reliable claims processing

• Affordable premiums

• Wide choice of dentists

Some negative feedback includes:

• Limited orthodontic coverage for adults

• Occasional delays in claim reimbursements

Frequently Asked Questions (FAQs)

1. Does MetLife Dental cover braces? Yes, some plans include orthodontic coverage for children and sometimes for adults.

2. Can I use MetLife Dental without an in-network dentist? Yes, with PPO plans, but you’ll pay more for out-of-network care.

3. How do I find a MetLife Dental provider? You can use the MetLife Find a Dentist tool on their website.

4. Does MetLife Dental cover implants? Some PPO plans offer implant coverage. Check your policy details.

5. Is there a waiting period? Preventive care often has no waiting period, but major services may require 6–12 months.

MetLife Dental: Coverage, Costs, and FAQs

When choosing a dental insurance provider, you want to ensure the plan offers good value, comprehensive coverage, and access to a wide network of dentists. MetLife Dental is one of the most popular dental insurance options in the United States, but many people still have questions such as: Is MetLife Dental good? Does it cover implants or Invisalign? What does it include? How much does it cost?

In this guide, we’ll answer these questions in detail so you can decide if MetLife Dental is the right choice for you.

Is MetLife Dental Good?

Yes, MetLife Dental is considered a good dental insurance option for many individuals and families. Here are a few reasons why:

1. Large Provider Network – MetLife has one of the largest dental networks in the U.S., with over 146,000 participating dentists.

2. Comprehensive Plan Options – Offers both PPO (Preferred Provider Organization) and DHMO (Dental Health Maintenance Organization) plans.

3. Strong Preventive Care Coverage – Many plans cover preventive care, such as exams and cleanings, at 100%.

4. Flexible Access – PPO members can visit any dentist, though costs are lower with in-network providers.

5. Portable Plans – MetLife’s TakeAlong Dental allows you to keep your plan if you change jobs or retire.

However, like any insurance, the value depends on your needs. For example, people who require frequent dental work may find it more beneficial than those who only need occasional cleanings.

Does MetLife Dental Cover Implants?

Yes, some MetLife Dental PPO plans include coverage for dental implants. However, the level of coverage and waiting periods can vary.

Key points about implant coverage:

• Availability: Not all plans cover implants, so you must check your plan’s details before starting treatment.

• Waiting Period: Many plans require a waiting period (often 6–12 months) before implant coverage begins.

• Cost Sharing: Implants are typically considered a major service, which may be covered at 50% after your deductible is met.

• Annual Maximums: Your plan will have a yearly limit (often $1,000–$2,000), so implant costs beyond that will be your responsibility.

If you are specifically getting insurance to help pay for implants, choose a plan that clearly lists them as a covered benefit.

Does MetLife Dental Cover Invisalign?

Coverage for Invisalign (clear aligners) under MetLife Dental depends on your specific plan.

Here’s what to know:

• Orthodontic Coverage Required: Invisalign is classified as orthodontic treatment. Only plans with orthodontic benefits will cover it.

• Age Limits: Many plans cover orthodontics for children under 19 but not adults. Some high-tier plans may cover adult orthodontics, including Invisalign.

• Coverage Percentage: When covered, orthodontics are often paid at 50% up to a lifetime maximum (e.g., $1,000–$2,500).

• Verification Needed: Always confirm with your dentist and MetLife before starting treatment to avoid surprise costs.

If you want Invisalign coverage, make sure you select a plan that explicitly includes orthodontic benefits.

What Does MetLife Dental Cover?

MetLife Dental coverage depends on the type of plan, but most offer benefits in three main categories:

1. Preventive Care (Often 100% Covered)

• Routine exams (once or twice per year)

• Professional cleanings

• Bitewing and full-mouth X-rays

• Fluoride treatments (for children)

• Sealants

2. Basic Services (Covered at a Lower Coinsurance)

• Fillings (amalgam or composite)

• Simple tooth extractions

• Emergency dental treatment

• Periodontal maintenance

3. Major Services (Covered at 40–50%)

• Crowns

• Bridges

• Dentures

• Root canals

• Dental implants (if included in your plan)

• Oral surgery

What Does MetLife Dental PPO Cover?

MetLife Dental PPO plans are the most flexible option, offering in-network savings while still covering out-of-network care.

Typical PPO coverage breakdown:

• Preventive Care: 100% covered (in-network)

• Basic Services: 70–80% covered after deductible

• Major Services: 40–50% covered after deductible

• Orthodontics: 50% covered (only if included in plan)

• Out-of-Network Coverage: Available, but reimbursement rates may be lower

PPO plans generally have annual maximums (commonly $1,000–$2,500) and deductibles ranging from $50 to $150 per person.

How Much Is MetLife Dental Insurance?

The cost of MetLife Dental insurance varies based on plan type, coverage level, and whether you get it through an employer or buy it individually.

Average Monthly Premiums:

• Individual PPO Plan: $25–$45 per month

• Family PPO Plan: $70–$150 per month

• DHMO Plan: $10–$25 per month per person

Factors that affect cost:

• Location: Premiums vary by state.

• Plan Type: PPO plans cost more than DHMO plans but offer greater flexibility.

• Coverage Level: Higher coverage percentages and orthodontic benefits increase premiums.

• Employer Contributions: If offered through work, your employer may pay part of the premium.

MetLife Dental is a reputable and flexible dental insurance provider with a wide range of plans for individuals, families, and employers. It offers strong preventive coverage, a large dentist network, and options for major dental work like implants and orthodontics (including Invisalign) on select plans.

Summary of Key Answers:

• Is MetLife Dental good? Yes, it’s well-rated, especially for preventive care and network size.

• Does MetLife Dental cover implants? Yes, on some PPO plans—check your policy.

• Does MetLife Dental cover Invisalign? Only if your plan includes orthodontic benefits, often with age restrictions.

• What does MetLife Dental cover? Preventive, basic, and major services, with varying coverage levels.

• What does MetLife Dental PPO cover? Full preventive, partial basic, and major services, plus optional orthodontics.

• How much is MetLife Dental insurance? Typically $25–$45/month for individuals and $70–$150/month for families (PPO plans).

If you’re considering MetLife Dental, review your dental needs, compare available plan options, and choose the one that aligns best with your budget and treatment goals.

Conclusion

MetLife Dental is a strong choice for individuals, families, and employers seeking comprehensive dental coverage. With a large provider network, flexible plans, and solid preventive care benefits, it helps make dental care more accessible and affordable.

Whether you need a plan for everyday checkups or more complex procedures, MetLife Dental offers options that fit various budgets and lifestyles. By choosing the right plan and understanding your coverage, you can keep your smile healthy while controlling costs.