Dental Insurance
We’re putting long-term health first with dental plans that give members access to quality providers who prioritize preventive care and support total well-being.
Elevating expectations in oral health
Extensive provider network
Find high-quality general and pediatric providers who put an emphasis on preventive care—look for The MetLife SpotLite on Oral HealthSM1 designation.
The experience you deserve
Our MyBenefits patient portal and mobile app make it easy to quickly access your dental insurance coverage info, get your dental ID card, get cost estimates and more.
Wellness at the forefront
We understand oral health’s connection to overall well-being, so we prioritize dental coverage and providers that do the same.
Live healthier, with confidence
MetLife’s SpotLite on Oral HealthSM1 is a breakthrough program that recognizes general and pediatric dentists in our expansive network with an ongoing commitment to high standards and preventive care, with results backed by clinical data.
Our Dental Insurance Plans
PPO
PPO dental plans2 offer a broad range of covered services and procedures, with the flexibility to choose any licensed dentist, in or out-of-network.
DHMO/Managed Care
DHMO/Managed Care dental plans5 pair comprehensive coverage and savings within the network. (Only available in CA, FL, NJ, NY and TX.)
MetLife TakeAlong Dental
MetLife TakeAlong DentalSM7 is a lifelong dental insurance solution for part time employees and those not eligible under a group plan.
Members with this dental insurance get access to a large network of providers with high standards of care and prevention as well as:
- More savings when you stay in network3
- A wide range of covered services, from preventative care to major care4
- Innovative tools and support to streamline the claims process
This dental insurance offers a quality network covering more than 400 procedures under participating dental providers, and:
- The ability to preselect a dentist when you enroll
- Services offered at costs that may be lower than typical dental fees6
- No deductibles to meet and no claims to submit
Get coverage you can count on, no matter your employment status with:
- The freedom to choose your dentist, in-and-out-of-network
- Negotiated network fees at 35%-50% lower than typical service costs6
- Flexible options that fit your budget and oral health needs
- 100% coverage for hundreds of services and procedures6
MetLife Member Login
Visit MyBenefits to view coverage details and more.
Dental coverage for Federal members
Veteran Affairs Dental Insurance Program (VADIP)
Our Veteran’s Affairs Dental Insurance Program8 offers comprehensive coverage available for Veterans, their families and CHAMPVA members.
Federal Dental Plan (FEDVIP)
Our Federal Dental Plan11 provides comprehensive dental coverage available for Federal employees, annuitants, retired uniformed service members and their families.
Plan highlights:
- Choice of two plan options
- 100% coverage for in-network cleaning and exams9
- No waiting periods for most major procedures10
- Orthodontic coverage for children up until age 19 (High plan)
Plan highlights:
- Choice of two plan options
- 100% coverage for in-network cleanings and exams9
- No waiting periods for in-network services
- Discounts up to 50% when you use an in-network dentist12
Dental Insurance FAQs
MetLife Dental Insurance offers a large network of high-quality providers who put a focus on preventive care and total well-being. Our innovative approach includes digital tools to streamline processes paired with deep human experience so members can effectively use their benefits and ultimately live healthier lives.
While specifics vary by dental plan and provider, things like routine cleanings, braces, fillings and a variety of other dental procedures/services are covered. You can find some examples of basic dental procedures and coverage here.
You must enroll in MetLife Dental Insurance through your employer during your enrollment period. MetLife TakeAlong DentalSM6 is a lifelong solution for part time employees and those not eligible under a group plan.
You can easily access your MetLife Dental Insurance plan details, dental ID card and more by logging into the MyBenefits member portal.
Yes, you may use an HSA to pay for dental copayments, deductibles, coinsurance and prescriptions. There are also certain out-of-pocket expenses resulting from dental care and procedures that can be paid for using an HSA.
A participating provider is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 35 - 50% less than the average charges in a dentist’s community for similar services.3
You can find the names, addresses, specialties, languages spoken and telephone numbers of participating dentists in a given area by searching our Find a Dentist online directory.
Yes. MetLife TakeAlong DentalSM7 offers coverage for you and your family that you can buy on your own and take from one job to the next.
All dental offices in our network provide instructions on how to access emergency care 24 hours a day, 7 days a week. If you cannot reach your selected participating dentist, you may receive emergency care from any licensed dental care professional. The definition of what is considered “emergency care” and other specifics can be found in your policy, Certificate of Insurance, Evidence of Coverage or Summary Plan Description — all found by logging into MyBenefits.
If your selected participating dentist determines that you need specialty care, you have access to a network of specialty care providers. Most plans are direct referral plans, which means your selected participating dentist will provide you with the name of a network specialist. No preauthorization is required. You can call the specialist directly to schedule your visit.
Any copayment amount for specialty services is listed in your Schedule of Benefits, found in MyBenefits.
Oral health matters
Regular dental checkups can help reduce the risk of heart attack, stroke, diabetes and more.13
How can we help?
Log in to manage your MetLife account or to access claim forms and additional resources.
