MetLife Dental — Dental Coverage Guide
MetLife primarily offers dental coverage through employers. Common plans include MetLife Preferred Dentist Program (PDP) and Safeguard Dental (HMO in some states).
Preventive
100%
Cleanings, exams, X-rays
Basic
80%
Fillings, extractions
Major
50%
Crowns, implants, root canals
Orthodontic
50%
Lifetime max $1,500
Annual maximum: $1,500
Deductible: $50/year
Waiting periods: Varies by employer plan
Network: Employer-sponsored plans dominate — check with HR for specifics on your plan.
MetLife Dental coverage by procedure
Estimates use the national median cost for each procedure. Actual coverage depends on your specific plan tier and remaining annual max.
| Procedure | Nat'l median | Plan pays | You pay |
|---|---|---|---|
| Dental Exam | $65 | $15 | $50 |
| Dental Cleaning | $105 | $55 | $50 |
| Dental Crown | $1,150 | $525 | $625 |
| Root Canal (Molar) | $1,050 | $790 | $260 |
| Tooth Filling | $210 | $55 | $155 |
| Tooth Extraction | $350 | $230 | $120 |
| Dental Implant | $2,400 | $1,150 | $1,250 |
| Dental Veneer | $1,200 | $0 | $1,200 |
| Teeth Whitening | $500 | $0 | $500 |
| Full Dentures (Upper) | $1,800 | $850 | $950 |
| Partial Denture | $1,500 | $700 | $800 |
| Dental Bridge | $3,500 | $1,500 | $2,000 |
| Braces (Full Treatment) | $5,500 | $1,500 | $4,000 |
| Deep Cleaning | $275 | $88 | $187 |
| Dental X-Ray | $35 | $0 | $35 |
| Panoramic X-Ray | $130 | $80 | $50 |
| Wisdom Tooth Removal | $400 | $270 | $130 |
| Night Guard | $450 | $400 | $50 |
| Dental Bonding | $180 | $0 | $180 |
| Dental Sealant | $50 | $0 | $50 |
| Invisalign | $4,200 | $1,500 | $2,700 |