Dental Insurance
Maximize your oral health while minimizing costs
Take advantage of the dental benefits offered by your employer.
Helping you find providers who focus on health outcomes.
MetLife has launched a new value-based dental program that helps employees connect with dentists who have shown a focus on preventive care that improves health outcomes.
Help Keep Your Smile Healthy
Keep your oral health — and associated costs — in a great place.
Dental Insurance Options for Active Employees
Dental Insurance for Active Employees
There are two plan options available:
- IBM Dental Basic: provides basic coverage for preventive, diagnostic and basic restorative care, up to $500 per covered person, per year. There is no annual deductible. Orthodontia services are not covered under this plan.
- IBM Dental Plus: New for 2024: Your plan max is increasing to $2,500 per person per year. The IBM Dental Plus plan offers an enhanced benefit, covering preventive, diagnostic, basic restorative, major restorative and orthodontia care. There is no annual deductible. Under this plan option, benefits are limited to $2,500 per covered person, per year; orthodontia care is subject to a lifetime maximum of $2,500 per covered person.
Dental problems can be unpredictable and expensive. For example, did you know that a crown can cost up to $1,451? 1
Dental Insurance Options for Retirees
Dental Insurance for Retirees
Depending on your retirement date, you may choose from different plan options, as shown below:
If you retired prior to January 1, 2000, there are three plan options available:
- Dental Option A: covers preventive and diagnostic treatment, major procedures and orthodontics) with in-network and out-of-network providers. There is a $40 annual deductible and no annual maximums. Under this plan option, benefits are limited to a lifetime maximum of $9,000 per covered person (shared with Dental Option B) and orthodontia care is subject to a lifetime maximum of $1,500 (shared with the MetLife Preferred Dental Program (PDP)).
- Dental Option B: covers preventive and diagnostic treatment and some basic procedures with in-network and out-of-network providers. There is no annual deductible or annual maximum. Under this plan option, benefits are limited to a lifetime maximum of $9,000 per covered person (shared with Dental Option A). Orthodontia services are not covered under this plan.
- MetLife Preferred Dental Program (PDP): covers preventive and diagnostic treatment, major procedures and orthodontia with in-network providers. Preventive and diagnostic treatment and some basic procedures are also covered with out-of-network providers. There is no annual deductible and no annual maximum. Orthodontia care is subject to a lifetime maximum of $1,500 (shared with Dental Option A).
If you retired on or after January 1, 2000, there are two plan options available:
- IBM Dental Basic: provides coverage for preventive, diagnostic and basic restorative care, up to $500 per covered person, per year. There is no annual deductible. Orthodontia services are not covered under this plan.
- IBM Dental Plus: offers an enhanced benefit, covering preventive, diagnostic, basic restorative, major restorative and orthodontia care. There is a $50 annual deductible. Under this plan option, benefits are limited to $2,000 per covered person, per year; orthodontia care is subject to a lifetime maximum of $1,500 per covered person.
Find a Dentist
Our extensive network has thousands of dental providers to choose from. Who's the best fit for you? Select "Search" to go to the Find a Dentist tool, choose your network and enter your ZIP code for a list of participating dentists.
PROCEDURE FEE LOOKUP TOOL
Our procedure fee tool provides participants in dental plans insured or administered by MetLife guidance in understanding dental service providers’ fees. To find out additional fee information on common procedures in your area, the process is simple… just enter your dental service provider’s office zip code, then click on the START SEARCH button… that’s all you need!
1 Based on MetLife data for a crown (D2740) in ZIP code 19151. This example is used for informational purposes only. Fees in your area may be different.
2 Based on internal analysis by MetLife. Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.
3 International Dental Travel Assistance services are administered by AXA Assistance USA, Inc. AXA Assistance is not affiliated with MetLife, and the services and benefits it provides are separate and apart from the insurance and services provided by MetLife. Referral services are not available in all locations.
4 Refer to your dental benefits plan summary for your out-of-network dental coverage.
5 Due to contractual requirements, MetLife is prevented from soliciting certain providers.
6 Savings from enrolling in a MetLife dental benefits plan featuring the Preferred Dentist Program will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered.
Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your MetLife group representative or your plan administrator for costs and complete details.