What Are the Types of Dental Insurance MetLife Offers?
Preventive oral care is critical for patients to maintain good oral health. In addition to helping patients maintain a beautiful smile, prevention also helps avoid painful issues that require costly treatment. When patients do not practice good oral hygiene, it can require emergency procedures and even surgery in some cases. MetLife offers dental insurance plans that provide patients with coverage to ensure they can maintain their oral health and avoid expected costs.
Dental Insurance
A good dental insurance plan helps patients protect their smile and budget as well. A patient’s needs may range from routine exams and cleanings to braces or treatments such as a filling or crown. Below are some things patients should consider when evaluating the dental insurance plans offered by MetLife:
- Plans can cover the cost of routine visits to the dentist for exams and cleanings. These routine visits help prevent oral health issues, which can result in costly treatment. Some oral health issues are associated with serious medical conditions such as heart disease and diabetes.
- There are various dental insurance plans available. It is important for patients to be thorough in considering their short and long-term oral health needs. It is also helpful to consider how patients plan to cover any unexpected treatments, including a filling or crown.
- Patients who have children may want to consider more comprehensive coverage. This type of coverage may have a higher monthly premium but typically has lower out-of-pocket costs. Patients should also consider if they may require future treatment, such as braces or other treatments, which are common for younger patients.
Types of Dental Insurance
A summary of the different types of dental insurance offered by MetLife is outlined below.
PPO Dental Insurance
Not only is a healthy smile important to maintain confidence, but it is also associated with better health. MetLife offers a Preferred Dentist Program. This is a dental preferred provider organization (Dental PPO) plan. The plan allows patients to visit any licensed dentist without network restrictions. The goal of the plan is to allow patients access to necessary services while lowering their costs.
Large Service Network
A benefit of MetLife’s Dental PPO plan is that customers have coverage and flexibility to visit the dentist of their choice. The provider network includes thousands of general dentists and specialists. This makes it easy and convenient to find a dental professional who offers the service you need. The dental professionals within the network receive a thorough review and screening process prior to being approved. Patients can have confidence when selecting a provider. Another benefit of the MetLife dental insurance is that patients do not require a referral.
HMO Managed Care Plan
MetLife also offers a dental health maintenance organization (HMO) managed care plan. This plan offers comprehensive coverage at a budget-friendly rate. The HMO managed care plan is available in specific states. This includes the following California, Florida, New Jersey, New York, and Texas. Benefits of the HMO Managed care plan are summarized below:
- Selection of providers from a large network
- Selection of a dentist during enrollment
- Many services are offered at a lower cost
- Eliminates the need to submit a claim or meet deductibles
MetLife Takealong Dental
MetLife makes it easy and affordable to find the right dental insurance needed to maintain a healthy and beautiful smile. Patients are provided with access to helpful information in order to make choices when it comes to their oral health.
- MetLife negotiates network fees, which are offered at discounted rates that are 35%-50% lower
- Patients have the freedom to select their dentist regardless of network restrictions. There may be higher costs when using an out-of-network provider
- Many services and procedures are completely covered. This includes preventative exams and professional cleanings.
Call the office today to discuss the services we offer to help you maintain your oral health. The team can review any questions regarding your insurance coverage and the associated costs.
To learn more about our billing and insurance coverage, contact us.