Regular visits to the dentist can help prevent tooth decay and gum disease. American dental plans provide free preventive care when using in-network providers.
Contracted dentists in the MetLife PDP Plus network have agreed to provide services to American team members at negotiated, lower rates. You may incur increased out-of-pocket costs if you see dentists outside of MetLife’s preferred network.
All team members have two options for dental coverage:
Preventive care is covered at 100%. There is no deductible.
Preventive care includes up to two visits per year, including checkups, cleanings and X-rays.
Three yearly cleanings are covered for those with the following 10 high-risk diagnoses: pregnancy, diabetes, hypertension, heart disease, stroke, chronic kidney disease, thyroid disease, head and neck cancer radiation, organ transplants and Sjorgren’s syndrome. Members who qualify for three yearly cleanings can fill out an Application for Preventive Plus.
For basic care and major care, the plan pays 50% after you meet your $50 annual deductible.
The annual maximum benefit after you meet your deductible is $1,000 per person.
Orthodontia is covered at 50%. There is no deductible.
Orthodontia services have a lifetime maximum of $1,000 per person.
Preventative care is covered at 100%. There is no deductible.
Preventive care includes up to two visits per year, including checkups, cleanings and X-rays.
Three yearly cleanings are covered for those with the following 10 high-risk diagnoses: pregnancy, diabetes, hypertension, heart disease, stroke, chronic kidney disease, thyroid disease, head and neck cancer radiation, organ transplants and Sjorgren’s syndrome. Members who qualify for three yearly cleanings can fill out an Application for Preventive Plus.
For basic care and major care, the plan pays 80% after you meet your $50 annual deductible.
The annual maximum benefit after you meet your deductible is $2,000 per person.
Orthodontia is covered at 50%. There is no deductible.
Orthodontia services have a lifetime maximum of $2,000 per person.
| Eligible Expenses | Examples |
|---|---|
| Preventive | Exams and cleanings, topical fluoride applications for children 17 and younger, X-rays (bitewing and full mouth or panoramic) |
| Basic | Oral surgery, most periodontal procedures, amalgam and resin composite fillings, most root canals, extractions |
| Major | Crowns, molar root canals, bridges and dentures, inlays and onlays |
See your MetLife Dental Plan Summary for an overview of your coverage options. For complete details, including limitations, and out-of-network coverage, see your Summary Plan Description.
Viewing your dental plan information just got easier with the MetLife mobile app. Find a dentist, view your plan summaries and claims, and access your electronic ID card, all from your mobile device.
