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Dental Insurance

Dental Insurance

Preventive oral care not only provides benefits for your overall health, it also helps avoid unexpected expenses like oral surgery. Our large network and flexible coverage options help keep your out-of-pocket costs down.

Dental Insurance

Preventive oral care not only provides benefits for your overall health, it also helps avoid unexpected expenses like oral surgery. Our large network and flexible coverage options help keep your out-of-pocket costs down.

Experience the MetLife difference
Provider Network
Extensive provider network

The MetLife dental network includes over 146,000 providers, so finding the right dentist is easy.

Flexibility to see any dentist

Our plans give you the flexibility to visit providers in or out of network. Most cleanings and exams are covered 100%.

Cost savings

As a MetLife member, take advantage of our negotiated fees, typically 30-45% less than the average**.

Dental Coverage Options

Everyone's dental needs and priorities are unique. MetLife offers different types of dental coverage - explore each option to see what makes sense for you.

Dental at work
Dental at work

PPO Plans

A PPO gives you flexibility - choose from our large network of dentists or see an out-of-network dental care provider.

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Dental HMO/Managed Care Plans

Save on out-of-pocket costs with the comprehensive coverage our HMO network brings. Only available in CA, FL, NJ, NY, and TX.

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TAL Dental
TAL Dental

MetLife TakeAlong Dental

Dental coverage that moves with you as your life - and employment situation - changes.

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Special Plans

MetLife's special dental plans were created for US government employees and US military service members, both active and retired. We have a long history of supporting the armed forces, with our first policies insuring American Civil War veterans.


Veteran Affairs Dental Insurance Program (VADIP)

Our dental plan created specifically for veterans who have served in the US military and their families.

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Federal Dental
Federal Dental

Federal Dental Plan

This dental coverage for US federal employees is now open to retired uniformed service members and their families and is being offered at lower rates and with more benefits for 2019.

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Find a Dentist
Search through our extensive provider network of over 146,000 dentists for the right one near you.
Have a dentist in your pocket.

The MetLife App is always on hand to help. You can manage your policy, file claims, and find a dentist. Use Bright Smile to help you keep track of your good brushing habits and set a reminder to maintain good oral hygeine.

Get the app

Manage your account

Log in to your MetLife account, access claim forms, or access information if you are a dental provider.

MetLife Dental Insurance FAQ's:
What is the MetLife Preferred Dentist Program? Collapsed Expanded

MetLife’s Preferred Provider Organization (PPO) plans feature the MetLife Preferred Dentist Program, which is designed to save you money on dental services.1?You can choose from thousands of participating general dentists and specialists nationwide. Plus, you will enjoy lower out-of-pocket costs for in-network services, freedom to use any dentist and less paperwork.

What is a participating dentist? Collapsed Expanded

A participating dentist 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 30 - 45% less than the average charges in a dentist's community for similar services. Negotiated fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefit maximums. Negotiated fees are subject to change.

How do I find a participating dentist? Collapsed Expanded

You can find the names, addresses, specialties, languages spoken and telephone numbers of participating dentists in a given area by searching our online directory –?Find A Dentist.

Can I buy coverage for myself and my family if I don’t have dental insurance at work? Collapsed Expanded

Yes.?MetLife TakeAlong DentalSM?offers coverage that you can buy on your own and take from one job to the next.

What if I need emergency care? Collapsed Expanded

All dental offices that participate in the 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.

What if I have an HMO plan and I need to see a specialist? Collapsed Expanded

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 pre-authorization is required – you can call the specialist directly to schedule your visit.2

Any copayment amount for specialty services is listed in your Schedule of Benefits.

Does the HMO plan cover second opinions? Collapsed Expanded

Yes. Contact Customer Service to let us know that you would like another clinical opinion, and we will provide the name of a dentist for you to see.

Build Your Knowledge

We've created these resources to help you understand a little more about dental health care and other related issues:

Have a question for us? We're here to help.
Connect with us to find out more about group dental benefits or any specific concerns not addressed on this page.
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