Does MetLife Dental Cover Teeth Whitening?
MetLife Dental does not cover teeth whitening because it's classified as cosmetic.
Estimated cost with MetLife Dental
Total cost (national avg)
$500
MetLife Dental pays
$0
You pay
$500
Coverage tier: cosmetic (0%)
Deductible: $50/year
Annual max: $1,500
Cosmetic procedures are almost never covered by dental insurance.
See Teeth Whitening cost by city →
Costs vary 30%+ between metros. See your specific area.
MetLife Dental full coverage guide →
What MetLife Dental covers across all procedures.
FAQ: MetLife Dental and Teeth Whitening
Does MetLife Dental cover teeth whitening?▾
No. MetLife Dental, like most dental insurance, classifies teeth whitening as cosmetic and does not cover it. Some plans partially cover the underlying restoration if there's a functional reason (chipped tooth, functional crown replacement) — ask your provider to file a pre-authorization if there's any medical necessity.
What's my out-of-pocket cost for a teeth whitening with MetLife Dental?▾
The full cost of $500 (national median) unless you can pay from an HSA or FSA. Many practices offer 0% financing over 6–24 months through CareCredit or LendingClub Patient Solutions.
Is there a waiting period?▾
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.
Can I use an HSA or FSA with MetLife Dental?▾
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.
What if my dentist is out of network?▾
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 $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.
Confirm coverage with MetLife Dental
Estimates use $MetLife Dental's standard coverage tiers and typical plan structure. Your exact plan may have different tiers, deductibles, or waiting periods — always call the number on your insurance card for a pre-authorization on major procedures.