Does MetLife Dental Cover Braces (Full Treatment)?

Yes. MetLife Dental covers 50% of braces (full treatment) on standard plans, subject to your annual deductible ($50) and annual maximum ($1,500). At the national median price of $5,500, the plan pays approximately $1,500 and you pay $4,000 out of pocket.

At the national median price of $5,500, MetLife Dental pays about $1,500 and you pay about $4,000. Actual out-of-pocket depends on: (1) whether the dentist is in MetLife Dental's network, (2) how much of your annual max you've already used, (3) whether the deductible has been met this year, and (4) local pricing (see cost-by-city pages).

Varies by employer plan. If you enrolled recently, verify with MetLife Dental customer service before scheduling — some plans have a 6–12 month waiting period on major procedures.

Yes. Whatever MetLife Dental doesn't cover, you can pay from an HSA (Health Savings Account) or FSA (Flexible Spending Account) using pre-tax dollars. Note the FSA "use it or lose it" rule.

Out-of-network dentists cost more out of pocket because MetLife Dental pays based on the plan's "usual and customary" rate, not the dentist's actual charge. If your dentist charges $5,500 and the plan's UCR is lower, you pay the difference. Use MetLife Dental's find-a-dentist tool to check network status before scheduling.