About Metlife Dental Insurance
MetLife is one of the largest providers of insurance, annuities, and employee benefit programs. Founded in 1868, the company is dedicated to providing working-class Americans with financial protection. Over the years, MetLife has helped generations of customers around the world protect their property, finances, family, and future. The largest commercial dental insurance carrier in the U.S., MetLife proudly offers both dental and vision benefits on DentalInsurance.com.
You deserve the best care to keep you and your family healthy, and costs should never prevent you from getting the care you need. Whether you need routine cleanings, braces, or a dental filling, having a solid dental plan helps makes it easier to protect your smile and your budget. MetLifeâs plans, service, and discounts make it easier for you to save and protect your familyâs health.
When you choose MetLife, you get an insurer who will help you save in ways youâve never imagined. Itâs more than discounts. Youâll see it in the way MetLife manages claims and the selection of providers in its networks. MetLife is your total solution for healthier smiles, brighter eyes, lower costs, and award-winning service.
What Is A Participating Dentist
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 dentists community for similar services.2 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.
Choosing The Right Network
Finding an in-network dentist is one of the biggest factors for choosing dental insurance.
Dental insurance may not be worth it if you use an out-of-network dentist as you will receive minimal or no discount.
Choosing a network with many local providers can make finding a dentist as easy as possible.
For example, some of the Humana dental plans cover 100% of dentists within the network and only 50% of out of network providers.
Be sure to check and double-check with them to make sure all procedures are from an in-network provider before scheduling basic or major work.
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Sign Up For More Affordable Dentistry In Manhattan Ny
If youd like to know more about our direct dental plan and how to sign up, then contact our dentists office in Manhattan, NY, today. You can also learn more by calling Doctors Network at 1-866-800-3168, or visiting their website at .When you sign up for our direct dental plan, be sure to choose Dr. Howard Lerner as your dental health care provider!
Effective Date Of Coverage
Changes made during Open Enrollment will be effective January 1. Outside of Open Enrollment, your benefits will become effective on the first day of the pay period after your date of hire or qualified event . If your date of hire or qualified event is the first day of the pay period, your effective date is the date of hire/qualified event.
If you need information regarding the previous coverage provided by Ameritas see below.
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Why Choose Doctors Networks Direct Plan
Though similar to insurance, Doctors Network and Soft Touch Dental Cares direct dental plan is not dental insurance, and you should not consider it a replacement for insurance coverage. Unlike insurance, your low monthly subscription fee is set by Dr. Lerner and will not change due to the discretion of a third-party company.Enjoy greater peace of mind by always knowing what your dental treatment will cost, and knowing that youll receive the high-quality care that you and your family deserve. With no surprise charges, hidden fees, or sudden increases, you can take better care of your smile and overall health by signing up for our direct dental plan.
Will Smoking Affect My Dental Insurance Rates
Similar to the two basic types of life insurance policies, smoking can play a big role in determining your monthly premium.
Typically if you have smoked in the last five years it can increase your rates.
The main reason for the increased rate is that gum disease and more dental issues are directly related to smoking and chewing tobacco.
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The Benefits Of Seeing A Metlife Dentist In Lake In The Hills
In addition to making dental care much more affordable, we also work to make your entire experience a positive one. Because we already have a relationship with your insurance company, this drastically cuts down on the paperwork, as in there is no paper work. When you go to a MetLife dentist like Dr. Stirneman, your claims will be filed electronically for you. It goes directly from the practice to MetLife, and you wont even have to pick up a pen. This means your claims go through faster and you can enjoy your benefits more quickly. We help take the stress out of your dental visits because youre taken care of even before you walk in the door.
What Is The Best Dental Plan
So which dental plan should you choose?
The biggest factors for choose dental insurance include:
- Your budget
- Where you live
- Extend of coverage options
My top three choices are Delta Dental, Cigna or Humana dental insurance plans. But your comparison may lead to a different choice thats better for your personal needs.
Check with several providers to compare the monthly cost and coverage options. You will receive free quotes to find out what best dental insurance plan works for you.
If you still arent sold on the best dental insurance plans there is another option known as dental savings plans.
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Metlife Home Insurance Review Highlights
MetLife offers several customizable homeowners insurance policies. It also offers coverage for renters, condo owners and landlords.
MetLife Homeowners Insurance: A homeowners insurance policy from MetLife will pay to rebuild/repair your home and replace your personal belongings, sometimes without price reductions for depreciation, if they are damaged from fire, hail, tornadoes, theft and other risks. MetLifes liability coverage will also help pay for legal fees in case someone gets hurt, or their property gets damaged, while visiting you at home. Theres even added protection from identity theft included in every MetLife homeowners insurance policy.
MetLife Renters Insurance: Renters insurance from MetLife will pay up to the actual cash value to replace or repair your belongings that get stolen or damaged by covered perils. The company also offers specialty protection options in some states to cover electronics, sports equipment, musical instruments and other luxury items no matter how they get damaged or lost. Similarly, if you own a condo, MetLife offers coverage for your personal belongings and space, which your buildings master insurance policy wont protect.
All in all, MetLife offers a good selection of homeowners, renters, landlord, and condo owner insurance options that can be customized to fit your budget. Theres also 24/7 customer service, as well as discounts for bundling a home policy with another MetLife insurance plan.
Best Dental Insurance Plans
There are tons of different dental insurance and dental savings plans available. The first three suggestions offer the best benefits and prices for most Americans.
Below is a breakdown of the best dental plans and savings programs to determine if you really need dental insurance. Plan prices and options can vary by state of residence.
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Dental Insurance For Veterans
Our Veteran Affairs Dental Insurance Program is just for veterans who served in the US military and their families.
PPO plans provide benefits for a broad range of covered services/procedures, giving you the flexibility to choose any licensed dentist, in or out of network.3
- Expansive network of dental providers
- More savings when you stay in-network1
- No paperwork in- or out-of-network dentists who submit your claims
- Convenient service via MetLifes secure member website
- Preventive care is often covered 100%, in-network
Ask your employer about MetLife Dental Insurance.
Pair comprehensive coverage and great savings4 with our HMO/managed care network. Only available in CA, FL, NJ, NY, and TX.
- Large network of participating dental providers to choose from
- Preselect a dentist when you enroll
- Hundreds of services offered at costs that may be lower than typical dental fees4
- No deductibles to meet and no claims to submit
Ask your employer about MetLife Dental Insurance.
Finding the right insurance to keep your smile healthy has never been easier for your mind and your wallet. MetLife gives you the information necessary to feel confident in your choices.
Some highlights :
- $3,000/$3,500 annual plan maximum per person
- No annual deductible for in-network benefits
- Orthodontia coverage for children up to age 19
Get comprehensive coverage and access to one of the nations largest dental networks
- More Coverage
- Highly Satisfied Members
Why Choose Metlife Dental Plans
- MetLifeâs large network and flexible coverage options help keep your out-of-pocket costs down
- Finding the right dentist is easy with the MetLife dental network, which includes over 146,000 providers
- Visit providers in or out of network with our flexible plans
- Members benefit from our negotiated fees, which are typically 30-45% less than average
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Metlife Dental Insurance Review: Overview
- In-network savings up to 45 percent
- Over 90,000 dentists
When it comes to how to find dental insurance online, MetLife is worth considering. Like others, it supports out of network dentists. While this won’t be as cheap, it means you can keep your own dentist or use a more local one to make it more convenient for you. A nice touch is the ability to go out of network when traveling too.
Included orthodontics is a great feature that’s particularly attractive to families. You can save up to 45% on network dental fees which span a massive 400 procedures and 90,000 dentists. This is the in-network saving but out of network is also supported. Expect the lower end of in-network savings to be around 15 percent.
MetLife dental PPO and DHMO options should help provide a service for most people’s needs with lots of procedures and basic preventative dental care covered for free.
Endowed Dental Plans Provided By Metlife
Faculty and staff have 2 MetLife plan choices: Dental Standard and Dental Plus. MetLifes Preferred Dentist program allows you the flexibility to visit a provider in-network or out-of-network. If you decide to see an in-network dentist, your benefit will be higher and you will pay less. You can also see an out-of-network provider but you will receive a lesser benefit and pay more.
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Can I Get Work Done At Dental Schools For A Discount
Yes, this is a great way to save money for dental work. Dental students need to practice their procedures before they become qualified dentists.
If youre worried about quality, dont worry they have licensed dentists standing by observing the procedures.
I would recommend primarily using dental schools for routine procedures, such as:
- Teeth whitening
- Cavity fillings
Major services like root canals and crowns might not be as easy and extremely time-consuming for new dentists.
Be prepared to spend significantly more time at the dental school versus a professional dental office. The dental students are learning throughout the procedures, after all.
Also, be sure to check with your insurance provider to see if this work at dental schools is covered as not all dental plans allow it.
Whether Youre In Need Of Routine Cleanings Braces Or A Filling A Solid Dental Plan Makes It Easier For You To Help Protect Your Smile And Your Budget1
- Routine visits to the dentist help prevent costly dental bills later on, as well as problems linked to medical conditions like diabetes or heart disease.2
- If you have a choice of plans, consider your oral health needs and ability to pay for unexpected major services, like a crown.
- If you have children, consider more comprehensive coverage for less out-of-pocket costs, as well as an option for braces.
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Read Why Our Customers Trust Us To Help Them Find The Right Metlife Plan
“The overall experience was great with the agent was great. She made the entire process easy.”
“I called and got clarification on quotes and detailed features of the plans from the site. The rep went through all the features of various plans that could effect me. Then she made a recommendation. I reviewed it and it seemed logical. I bought the policy. Very happy. Great job. thanks,”
“The fella that helped me over the phone was kind, courteous and helpful! He was knowledgeable and thoroughly, too.”
Should I Buy Metlife Dental Insurance
MetLife dental insurance comes from a reassuringly large company meaning you won’t need to worry about it going under with your money. A huge range of procedures covered should leave you in a good position and with the TakeAlong cover you can rely on that wherever you go in life.
Lots of preventative care is totally free under the plans and many larger procedures only cost a small copay when using the DHMO option. While DHMO is limited to a few states, the PPO plans are also excellent. Options are minimal keeping things simple but effective.
Low copays and included orthodontics make MetLife great for families and individuals alike. For another great provider, read our Delta Dental Insurance review, while Guardian Direct Dental Insurance offers good in-network savings.
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What If I Dont Have Metlife Dental Insurance
If you currently do not have dental insurance, be sure to contact your employer and ask if MetLife dental insurance is part of their health benefits. If that isnt the case, you can also purchase MetLife TakeAlong Dental, which offers you the same access to discounts and participating dentists for a very affordable premium. Often, by just getting your two free check-ups and cleanings each year, your plan practically pays for itself, and that is especially true if the coverage is for your entire family.
Metlife Dental Insurance Review: What’s Covered
- 400 procedures
- Exams, x-rays and cleanings
MetLife dental offers an impressive 400 procedures covered as part of its care plan. There will be a variation between the standard and high care plan options but this should be easy to choose based on your expectations of spending or, of course, what you want to be prepared for. We cover this more in our feature on what does dental insurance cover?
A rather special offering from MetLife is called TakeAlong Dental. This, as the name suggests, is a promise that you can take your dental cover with you as your life moves. While this is primarily referring to you moving home it also also applies to how your job can change too.
Don’t forget that the better you take care of your teeth at home, the less often you’ll need routine dental procedures. We’d recommend brushing your teeth twice a day, for two minutes each time, with the best electric toothbrush. For a brighter smile, look at the best teeth whiteners for use at home.
For preventive care cover, read our United Healthcare Golden Rule Dental Insurance review.
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There Is No Time Like The Present To Enroll
Maintaining dental health is important to your overall health. With VADIP enrollment is evergreen so you can enroll at any time. MetLifes VADIP is a dental plan for Veterans, created to make dental care more accessible to more Veterans in the United States, the District of Columbia, Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, and the Commonwealth of the Northern Mariana Islands.
When it comes to dental insurance, its good to be able to use it when you urgently need it. Thats why we have no waiting periods on major procedures .1
We offer orthodontia coverage under the high plan for dependent children up to age 19 only.
High plan option: up to $3,500 annual Plan Maximum.
With over 500,000 participating dentist locations, we have one of the nations largest dental provider networks. This is good news for you as it means more dentists to choose from.
Insurance Open Enrollment 2022
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Select the right mix of employee benefits to help take the edge off uncertainty.
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Why Is Having A Good Dental Plan So Important
Because a healthier smile can be important to maintaining overall health.
Studies show that those with dental coverage are more likely to visit the dentist. And of course, staying on top of your care is the key to preventing costly problems that can add up. Plus, going to the dentist regularly can help prevent problems that have been linked to stroke or heart disease. Thats where a good dental plan comes in. The right coverage makes it easier to visit the dentist and helps lower your costs. You get support to keep up with dental cleanings and other preventive care that helps you avoid costly problems and live healthier. Now thats something to smile about.
Because keeping your teeth healthy, without a dental plan, can be expensive.
While costs will vary based on where you live, the average family of four spends $1,824 a year on dental services. With a dental plan, you get protection against costs for unexpected dental care with low to no costs for preventive care.
What Are Dental Savings Plans
Dental savings plans allow you to save with certain dentists because you are a member. Dental savings plans are not dental insurance.
Make sure you understand whether you enroll in dental insurance or a dental savings plan. This distinction is important to avoid costly mistakes.
The main benefit for dental savings plans is that you can save up to 50% on basic procedures.
Your monthly cost is also a fraction of the cost of dental insurance.
Most dental savings plans range around $10 per month while most insurance is triple that rate. Be sure to check if there is a one time or annual enrollment fee as well.
Not every dental savings plan is available in every state.