Your dental plan is a MetLife PPO that uses the PDP Plus network. You can see any licensed dentist, but you’ll pay less with a MetLife network dentist. The plan has a $5,000 annual maximum per person, and it covers braces for adults and children.
What’s covered
- Preventive (exams, cleanings, x-rays, fluoride, sealants): 100%, no deductible, in or out of network
- Basic (fillings, root canals, gum treatment, extractions): 80% after the deductible
- Major (crowns, bridges, dentures, implants): 60% after the deductible in network, 50% out of network
- Orthodontia for adults and dependent children under 26: 50%, up to a $1,000 lifetime maximum per person
The deductible is $25 per person, up to $75 per family, and only applies to basic and major services. Cleanings and exams are covered twice a year (once every 6 months).
Use a network dentist
Network dentists have agreed to MetLife’s discounted fees, and those discounts still apply after you’ve used your annual maximum. Out-of-network dentists are paid up to the 90th percentile of what dentists in the area charge, and they can bill you for the rest, even for a cleaning. To find a network dentist, go to metlife.com/mybenefits or use the MetLife US app and choose the PDP Plus network. For crowns or other work over $300, ask your dentist for a pretreatment estimate first.
Employees in Texas, Mississippi and Louisiana
The plan is the same in these states with two differences: major services from an out-of-network dentist are paid at 60% instead of 50%, and general anesthesia and consultations count as major services instead of basic. Your version of the benefits summary is in the coverage documents below.
ID cards and extras
MetLife doesn’t mail ID cards, and your dentist can look you up by Social Security number. You can also pull up your card in the MetLife US app and add it to Apple Wallet. Other perks with the plan:
- Teledentistry, so you can talk to a dentist from your phone or computer
- International Dental Travel Assistance in about 200 countries
- The SpotLite on Oral Health badge, which flags dentists who focus on preventive care
What you pay per paycheck
2026 semi-monthly deductions: $1.94 employee only, $13.85 employee + spouse/domestic partner, $17.57 employee + child(ren), $32.66 family.
