Why we love Met Life Dental
Have you ever wondered what the best insurance plan to have for dental coverage? We have had many patients ask us, “What is a good dental insurance plan to have?”
We have been in our relationship with Metlife Dental for such a long period of time that we have gotten to know their general policies, coverage and restrictions well. With so many of our patients covered by Metlife Dental insurance plans, we have filed a magnitude of claims with them and have found them to be one of the most straightforward insurance companies in the industry.
Going to a preferred provider for Metlife dental means you will always get the best coverage. Staying “In Network” means you will have less out of pocket copays, deductibles and fewer restrictions on your dental treatment. With so many new insurance companies coming and going, we are happy to continue being a PPO provider for Metlife Dental, as we have found them to be beneficial to getting the dental treatment our patients need.
Metlife dental insurance has long provided coverage for a multitude of services, including emergency treatment you may need. Broken teeth or toothaches always seem to happen at the most inopportune times, and knowing that you will be able to get an appointment and have your dental needs addressed in a timely manner can be a great relief. We will verify your coverage with Metlife dental insurance and be able to provide you with your benefit breakdown estimate so you will be aware of the costs to you, if any.
We are even able to send a pre-determination to MetLife Dental if you’d like to be able to see the coverage in writing before starting any treatment. We have found that the pre-estimate of services is not required as often with MetLife Dental as with some of the other dental insurance companies, which allows you, as the patient to begin treatment sooner if necessary or requested.
We love being a preferred provider for Metlife Dental because they are one of the best dental plans our patients can get to provide them with the most beneficial coverage. When our patients use their PPO plan with Metlife at our office, they are getting quality dental service at a guaranteed rate which Metlife Dental sets for all offices.
If you are unfamiliar with the term PPO, it means Preferred Provider Organization. That allows you, as the patient, to go anywhere usually, but if you do go to a Preferred Provider, you will get a reduced rate on your dental treatment.
Another type of dental plan could be an HMO plan where you are required to go to the dentist(s) Metlife tells you to, otherwise they will not pay benefits. And you, as the patient, will be required to pay in full at the dental office. This greatly reduces your choices, whether it be the particular location that they require you to visit, times available or even treatment available to you.
Metlife PPO plans allow you to choose your dentist and not be assigned one, and allows you to get the dental treatment you want, and not just whatever may be the cheapest for the insurance company to pay.
Did you know that MetLife Dental is now covering active duty military families? YES!! Metlife sometimes has even better coverage than previously provided for those patients! This can allow those families to complete more of their treatment without restrictions. And we love that because we love taking care of our patients that are protecting us every day while serving in our military!!
Having Metlife dental coverage can provide you with a maximum benefit per year that is reasonable and does not limit you to the most minimal of treatment to get you by. With a $1500-$2000 calendar benefit, this allows our patients to complete more dental treatment than they would be able with some other plans. We have found Metlife dental insurance to be very reasonable with the dental benefits they provide and usually very straightforward. Having the typical 100% coverage for Preventative Care (usually exams, cleanings and xrays), and 80% coverage for the Restorative group (fillings, endodontics, periodontal services, extractions) and 50% for the Major services (which normally include crowns and bridges, onlays, dentures and partials) allows our patients to fully utilize their benefits without all the financial burden on themselves.
Check out this downloadable report from Metlife dental’s website: Parental Oral Health Literacy: Equipping Parents with Important Information About Children’s Oral Health
All of our Dentists in all three of our locations are Metlife dental providers and are available to give you the best care possible. Please contact us with any questions you may have on your dental policy with Metlife dental, and we will be happy to answer them! We look forward to our continued relationship with you, as our patient, and with Metlife Dental as a Preferred Provider.