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How Metlife Makes Dentistry More Affordable
Do you have MetLife dental insurance? Whether you purchased your policy independently or through your employer, it's essential to make the most of it. This valuable resource can protect your smile from decay and gum disease, and provide financial assistance for restorative care when needed. But how can you maximize the value of your policy? Our team is proud to be in-network with MetLife dental insurance and are experts in helping our patients maximize their benefits.
MetLife Coverage Availability & Fees
MetLife offers various types of insurance plans, with PPO and DHMO plans being the most common. A DHMO plan requires you to visit a specific dentist, whereas a PPO plan allows you the flexibility to see any dentist while still utilizing your benefits. Here is a basic overview of how PPO coverage typically works:
- Preventive care (cleanings, X-rays, etc.): 80% - 100% covered
- Minor restorative care (fillings, simple extractions, etc.): 70% - 80% covered
- Major services (crowns and other extensive treatments): 50% covered
- Specialty services (orthodontics, dental implants, etc.): Sometimes covered, depending on the specific policy.
Keep in mind that you may enjoy greater coverage rates at an in-network MetLife dentist in Charlotte compared to out-of-network practices. Our contract with MetLife helps both the insurance company and our patients save money. Additionally, our familiarity with MetLife policies allows us to help you understand and maximize your benefits.
For example, we can strategically schedule your treatments to fully utilize your annual maximumāthe highest dollar amount your policy will pay for approved treatments within a year. By spreading major services across multiple appointments between calendar years, we enable patients needing extensive treatment to take advantage of two annual maximums instead of just one.