Metlife Dental has the following dental coverage plans available: MetLife TakeAlong Dental PPO-Low, MetLife TakeAlong Dental PPO-Medium, and MetLife TakeAlong Dental PPO-High.
MetLife dental coverage plans
You have the option to select any board-certified dentist, in or out of network, with MetLife PPO plans since they offer benefits for a wide range of covered oral care and dental procedures. Preventive care is typically fully covered in-network by MetLife PPO plans, which also offer an extensive network of dental providers, greater savings when you stay in-network, no paperwork; in- or out-of-network dentists who submit your claims, and convenient service via MetLife’s secure member website.
MetLife TakeAlong Dental PPO-Low
With the MetLife TakeAlong dental PPO-low plan, members can have an estimate of 100% or full coverage on diagnostic services and preventive care including oral exams, bitewing x-rays for both adults and children, fluoride treatment, and teeth cleanings with no waiting period. Coverage for basic restorative services, such as full mouth x-rays, dental sealants, teeth fillings, and tooth extractions, are estimated to be 50% with a 6 month waiting period.
MetLife TakeAlong Dental PPO-Medium
You can have an estimate of 100% coverage on preventive oral care and diagnostic services, such as dental exams, dental cleanings, fluoride, and bitewing x-rays for both children and adults with no waiting period under MetLife TakeAlong dental PPO-medium plan. With MetLife TakeAlong dental PPO-medium plan, an estimated 70% are covered for basic restorative services like sealants, full-mouth x-rays, tooth fillings, as well as extractions and there’s a 6 month waiting period. Major restorative services including inlays, porcelain onlays, dental crowns, root canals, dentures, bridges, and dental implants have an estimated 50% coverage with a 12 month waiting period.
MetLife TakeAlong Dental PPO-High
MetLife TakeAlong dental PPO-high plan covers an estimate of 100% of your preventive dental care and diagnostic services with no waiting period. These include professional cleanings, oral exams, fluoride treatment, and bitewing x-rays for both children and adults. The coverage for basic restorative services like dental sealants, full-mouth x-rays, dental fillings, and tooth extractions is estimated to be 80% with a 6 month waiting period. With MetLife TakeAlong dental PPO-high plan, major restorative services namely porcelain onlays, dental inlays, root canals, crowns, dental bridges, dentures, and dental implants have an estimated 50% coverage with a 12 month waiting period. The program pays an estimate of 50% up to $1,000 for orthodontic services for children while the orthodontic services for adults are not covered.
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MetLife Dental tooth extraction cost coverage?
According to MetLife Dental, an estimated 50% – 80% of simple extractions are covered for both in- and out-of-network based on the maximum allowed charge. Deductibles for simple tooth extractions are $75 for calendar year individual deductible and $225 for calendar year family deductible. The maximum benefit is $750 for a calendar year individual maximum. Simple extractions will be covered after a waiting period of 6 months. Source
MetLife dental covers Wisdom teeth removal?
Wisdom teeth removal is covered by MetLife Dental as part of their routine oral care benefits. Most of the time, MetLife Dental will pay up to an estimated 50% of the price of having your wisdom teeth removed. This covers the cost of the procedure itself as well as any required follow-up visits or dental x-rays. However, you may have to pay a deductible before your insurance coverage pays a part of your treatment cost. Make sure to ask your insurer what exactly you would be expected to spend out-of-pocket. Source
Does MetLife dental cover X-Rays?
With MetLife Dental, bitewing x-rays for both adults and children are estimated to be 100% covered with no waiting period. Bitewing dental x-rays for children are covered once every 6 months while adults are covered one time in a calendar year. On the other hand, full mouth x-rays are estimated to be 50%-80% covered with a 6 month waiting period. One set of full-mouth x-rays is covered in 60 consecutive months. Source
MetLife Dental covers Braces?
MetLife Dental PPO-high plan pays an estimate of 50% for orthodontic services such as braces for children up to age 19. The lifetime individual maximum is $1,000 with a 12 month waiting period. On the other hand, braces for adults are not covered. Source
Is Invisalign covered by MetLife Dental?
Invisalign is covered by MetLife, but only if your insurance plan’s contract specifies orthodontic benefits. MetLife Dental PPO-high plan pays an estimate of 50% for orthodontic services like Invisalign for children up to 19 years old. The lifetime individual maximum is $1,000 and the waiting period is 12 months. Invisalign for adults is not covered. To ensure that Invisalign is a covered benefit in your plan, read the insurance policy’s fine print. Source
What does MetLife dental cover for dental implant?
With MetLife dental PPO, major restorative services including dental implants have an estimated 50% coverage with a 12 month waiting period. Dental implant surgical placement services are typically limited to one per year, with replacement services occurring once per 10 years. Dental implant supported prosthetics are limited to once every 10 years. In the event that an implant crown becomes unusable and cannot be fixed, replacement is typically limited to every 5 years. Source
Does MetLife Dental cover dentures?
Dentures are covered by MetLife Dental PPO. About an estimated 50% are covered with a 12 month waiting period. Be aware that your plan can include a deductible, a waiting time before you qualify for some procedures, and an annual maximum (the most that MetLife will pay out without a calendar year). Denture replacement is limited to once every 10 years. Source
How much does MetLife dental cover for Veneers?
Unfortunately, elective cosmetic dentistry treatments like dental veneers are not covered by MetLife Dental plans. Nonetheless, even replacement of tooth fillings and crowns are typically covered even if done for mostly aesthetic reasons. Source
MetLife dental accepted for Gum Grafts?
MetLife PPO covers an estimated 50% of periodontal surgeries such as gum graft surgeries. Periodontal surgery like gum graft surgery is limited once per quadrant or area, in any 36 consecutive month period. Source
Does MetLife Dental cover Cleaning and Tooth Fillings?
MetLife dental TakeAlong PPO offers full coverage of dental prophylaxis or teeth cleaning once every 6 months with no waiting period. MetLife dental TakeAlong PPO plans also provide coverage of about an estimated 50%-80% of amalgam and resin composite fillings with a 6 month waiting period. It is limited to one per tooth surface every 24 consecutive months. Source
For latest information, please visit: https://www.metlife.com/insurance/dental-insurance/ and https://oralfitnesslibrary.com/Home/Insurance-Items/Insurance-FAQs-Items/FAQs-about-MetLife-PPO-dental-plan for more details.
DISCLAIMER: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information, please see the insurance company’s website or call the customer service or member services number listed on most insurance ID cards. Updated as of 06/12/2023. The above logo & trademarks are property of MetLife Dental.