Participants of MetLife Dental Insurance plans receive benefits through a network of preferred providers. This is commonly referred to as a PPO. Participants have access to both general dentists and dentists who provide specialized care such as endodontics and oral surgery. MetLife’s network is nationwide and provides access to over 120,000 providers. Every dental care provider within the MetLife network has met high credentialing standards, ensuring excellent care to all participants. Participants of the plan are also granted access to a complete online library of oral health. All information included in the online library has been carefully compiled and reviewed by the MetLife Dental Advisory Council. The council consists of both practicing dentists as well as academics. This feature is an excellent resource in helping participants make informed decisions regarding care.
MetLife Dental Insurance’s extensive network of participating dentists helps participants save on a wide range of services. By selecting a provider from within the network, insured persons can expect lower out of pocket costs due to the fact that our providers accept a negotiated fee for services. MetLife’s online provider directory can be used to locate a participating provider nationwide as well as mapping the location for you. Plan benefits are effective for non-participating providers, but participants can expect higher out of pocket costs. If your provider wishes to participate with MetLife, the office can contact MetLife’s provider hotline for further information. Whether you choose an in-network provider or an out of network provider, filing of claims for services remains the same. Participants can download and print forms directly from the website to be filled out at the time of your visit. Once claims are reviewed, you will receive an explanation of benefits outlying charges payments.
In addition to the network of participating dentists, residents of California, Florida and Texas are offered another option from Metlife Dental Insurance. The DHMO plan is administered by SafeGuard Health Plans, Inc., a MetLife company. DMHO participants are required to select a provider upon enrollment and can expect substantial savings. There are several benefits of a DHMO including no deductibles and no annual maximums for over 340 dental procedures. A schedule of benefits is issued to those covered under the DHMO upon enrollment. This schedule ensures participants know out of pocket costs up front and outlines co-pays for covered procedures. Persons covered through the DHMO are also granted access to the oral health library found on MetLife Dental Insurance’s website.
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