MetLife Dental Insurance for Individuals

by

If you’re looking for dental insurance as an individual, MetLife has you covered. With a variety of plans to choose from, you can find the coverage that fits your needs and budget. In this article, we’ll cover the details of MetLife’s individual dental plans, as well as frequently asked questions about dental insurance.

Table Contents show

MetLife Individual Dental Plans

MetLife offers two types of individual dental plans: PPO and DHMO. Both plans have their own advantages and disadvantages, so it’s important to understand the differences.

PPO Plans

MetLife’s PPO plans allow you to choose your own dentist or choose from a network of dentists. PPO plans offer the most flexibility, with the ability to see any dentist you choose. However, you’ll typically pay less if you use a dentist in the network.

PPO plans also have a deductible, which is the amount you pay out of pocket before your insurance starts covering costs. Once you’ve met your deductible, you’ll pay a percentage of the cost for each service. MetLife’s PPO plans cover a variety of services, including preventative care, basic restorative care, major restorative care, and orthodontia.

Preventative Care

Preventative care includes routine cleanings, exams, and x-rays. Under MetLife’s PPO plans, preventative care is typically covered at 100% with no deductible.

Basic Restorative Care

Basic restorative care includes fillings, root canals, and extractions. Under MetLife’s PPO plans, basic restorative care is typically covered at 80% after the deductible has been met.

Major Restorative Care

Major restorative care includes crowns, bridges, and dentures. Under MetLife’s PPO plans, major restorative care is typically covered at 50% after the deductible has been met.

Orthodontia

Orthodontia includes braces and other corrective treatments. Under MetLife’s PPO plans, orthodontia is typically covered at 50% after the deductible has been met up to a lifetime maximum benefit of $1,500.

DHMO Plans

MetLife’s DHMO plans are also known as prepaid plans. You’ll choose a primary dentist who will provide all of your dental care, and there is no deductible. With a DHMO plan, you’ll pay a set copay for each service.

DHMO plans typically have lower out-of-pocket costs than PPO plans, but they also have less flexibility. You’ll need to choose a dentist from the network and may need a referral to see a specialist.

FAQ

Question
Answer
Are there waiting periods for coverage?
MetLife’s PPO plans have no waiting periods for preventative care, and a six-month waiting period for basic restorative care. Major restorative care and orthodontia have a 12-month waiting period. DHMO plans have no waiting periods.
Are there annual maximums?
MetLife’s PPO plans have an annual maximum benefit of $1,500 to $2,000 depending on the plan. DHMO plans have no annual maximums.
Is there coverage for pre-existing conditions?
MetLife’s PPO plans do cover pre-existing conditions. DHMO plans may not cover pre-existing conditions.
Is there coverage for out-of-network dentists?
MetLife’s PPO plans will cover services from out-of-network dentists, but you may have higher out-of-pocket costs. DHMO plans will not cover services from out-of-network dentists.

Choosing a Plan

When choosing a dental plan, it’s important to consider your budget, the dentists in your area, and the type of services you need. MetLife’s PPO plans offer more flexibility, but may have higher costs. DHMO plans offer lower costs, but have less flexibility.

Consider your dental needs and compare the plans to decide which one is right for you. With MetLife’s individual dental plans, you can get the coverage you need to maintain your oral health.

Rekomendasi: