Dental benefits & costs
Dental options include two levels of coverage. A list of dental providers is available at metlife.com or by calling 1-800-942-0854.
Contributions
The chart below outlines the 2025 monthly dental contributions.
| Employee Only | Employee + Child(ren) | Employee + Spouse/Domestic Partner | Employee + Family* |
|---|---|---|---|
| Monthly Employee Cost | Monthly Employee Cost | Monthly Employee Cost | Monthly Employee Cost |
| Option 1: $19.00 | Option 1: $39.00 | Option 1: $45.00 | Option 1: $63.00 |
| Option 2: $10.00 | Option 2: $21.00 | Option 2: $27.00 | Option 2: $39.00 |
*Employee + Family includes employee, spouse/domestic partner and child(ren).
Dental coverage
| Option 1 | Option 2 |
|---|---|
| Annual deductible: $50 employee only / $100 employee + 1 or more* | Annual deductible: $50 employee only / $100 employee + 1 or more* |
| Maximum benefit: $2,000 per participant | Maximum benefit: $750 per participant |
| Preventive and diagnostic: 0% | Preventive and diagnostic: 0% |
| Routine exams and cleanings: No deductible | Routine exams and cleanings: No deductible |
| Restorative (fillings): 20%** | Restorative (fillings): 20%** |
| Reconstructive (bridges, dentures): 50%** | Reconstructive (bridges, dentures): Not covered |
| Orthodontia: 50%,** up to a maximum lifetime benefit of $2,000 per person; $50 per person one-time deductible | Orthodontia: Not covered |
*Employee + Family includes employee, spouse/domestic partner and child(ren).
**All coverage amounts are based on Reasonable and Customary (R&C) amounts. You are responsible for any amounts that exceed R&C limits.
Free dental exams and cleanings
Oral health is about so much more than healthy teeth and gums. Good oral hygiene and regular dentist visits can help avoid serious risk to the body’s overall health. Take advantage of two free in-network dental exams per year when you enroll in a MetLife dental plan. Services offered at no out-of-pocket cost to you and your enrolled dependents include:
- Fluoride treatments once a year for dependent children under age 19
- Full-mouth X-rays once every three years
- Routine oral examinations, cleanings and scalings twice each year
- Routine bitewing X-rays once a year
Watch this video to learn more about your MetLife dental coverage.