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MetLife Dental Insurance Review

MetLife is a well-established and trusted insurance company. It was incorporated in 1863 in New York as the National Life and Liability Insurance Union. Over the years, MetLife has grown to offer different types of insurance internationally. In the US, MetLife offers life insurance, dental insurance, vision insurance, auto insurance and more.

Two types of employer-offered dental plans

MetLife offers two types of plans for businesses: a dental PPO plan and a dental HMO/managed care plan.

Dental HMO/Managed Care plans are available in California, Florida, New Jersey, New York and Texas. HMO stands for Health Maintenance Organization. With these plans, members have no rebates or claim forms. Members must select a participating network dentist upon registration.

PPO (Preferred Provider Organization) plans allow members more freedom in choosing a dental care provider. They can see an in-network or out-of-network dentist, although significant discounts are available at in-network providers.

Additional insurance available

MetLife offers other types of coverage and insurance services that employers can include in their benefits package:

Accident and group health insurance

Group disability insurance

Providing a group vision

Group life insurance

Group auto and home insurance

Legal Services Group

Independent buyers can also purchase the following from MetLife:

Homeowners Insurance

Apartment insurance

renters insurance

Insurance for real estate owners

vision insurance

car insurance

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One type of dental plan for independent buyers

waiting times

One type of dental plan for independent buyers

MetLife offers only one type of dental plan for independent purchasers called MetLife TakeAlong DentalSM. This offer is a PPO and comes with three options:

A high option feature

Medium benefit option

A low spec option

In addition to dental discounts, the MetLife TakeAlong DentalSM plan also includes cost sharing.

The reduced benefit option provides 100 percent of the cost of treatment for preventive care, such as cleanings and dental exams, in and out of network, 70 percent coverage for basic corrective care in and out of network, and 50 percent of major in and restorative care. off the grid. Maximum benefits for this plan are $1,000 per person and there are $75 (individual) or $225 (family) deductibles.

The medium option feature has the same covered services as the low option feature. The maximum is $1,500 per person. The deductible is $50 (for an individual) and $150 (for a family).

The High Option feature has the same benefit as the Medium Option benefit, except for basic restorative services that are 80 percent in-network and out-of-network coverage. The High Option benefit also includes 50 percent orthodontic coverage with a maximum lifetime benefit of $1,000 per person. The maximum benefit for the year is $2,000 per person. The deductible is $25 (for an individual) and $75 (for a family).

Interested customers should contact MetLife directly for premium cost information to get a better idea of ​​how much they will pay for their dental insurance policy.

waiting times

All MetLife TakeAlong DentalSM options come with a six-month waiting period for essential services and a one-year waiting period for major and orthodontic services.


bottom line

MetLife is a reliable insurance company. It's an especially great option for employers who want to offer benefits to their employees. Interested employers should contact MetLife directly to learn more about dental insurance policy options. In addition to dental insurance, MetLife offers life insurance, accident insurance, health insurance and more. Employers can offer their employees a comprehensive benefits package through MetLife.

MetLife has fewer options for independent buyers, which can make it difficult to find the right coverage and budget. Other dental insurance companies offer multiple plan options for independent buyers. Consumers should contact MetLife directly to learn more about availability and premium pricing.

If you own a business that offers benefits, MetLife is a solid choice.