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 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.
In 2021, 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.
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% after you meet your $50 annual 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.
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% after you meet your 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 |
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.
