Dental Insurance | MetLife

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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

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

Learn MoreDental

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

Learn MoreTAL Dental

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

Learn More

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.


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

Learn MoreFederal Dental

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.

Learn More

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.

dental providersFor dental care providers

MetLife Dental Insurance FAQ’s:

Expand All Collapse All

What is the MetLife Preferred Dentist Program? Collapsed

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

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

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

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

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

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

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:

Healthcare ReformHealth Care Reform

For the latest information on how health care reform may affect your dental care.

Oral Health LibraryOral Health Library

Discover more about general dental health, oral care tips and common dental health issues people of all ages face.

Choose a DentistHow to choose a dentist

Finding the right dentist is an important part of maintaining dental health. Here are some tips to help you as you begin your search.

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.

Contact Us

** Based on internal analysis from MetLife.

1 Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered.

2 In California, orthodontic and pedodontic specialty services require pre-approval. Your selected participating dentist will contact SafeGuard (a MetLife company) for pre-approval. Once approved, your dentist will contact you with the name of a participating specialist.

Group dental insurance policies featuring the MetLife Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY.

Dental Managed Care Plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation in NY. Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc., a California corporation in CA; SafeGuard Health Plans, Inc., a Florida corporation in FL; SafeGuard Health Plans, Inc., a Texas corporation in TX; and MetLife Health Plans, Inc., a Delaware corporation and Metropolitan Life Insurance Company, a New York corporation in NJ. The Dental HMO/Managed Care companies are part of the MetLife family of companies.

“DHMO” is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: “Specialized Health Care Service Plans” in California; “Prepaid Limited Health Service Organizations” as described in Chapter 636 of the Florida statutes in Florida; “Single Service Health Maintenance Organizations” in Texas; and “Dental Plan Organizations” as described in the Dental Plan Organization Act in New Jersey.

Like most insurance policies/benefit programs, insurance policies/benefit programs offered by Metropolitan Life Insurance Company (MetLife) and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force.  Please contact MetLife or your plan administrator for complete details.


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