Dental
You have two choices for dental coverage for 2026: One option that includes orthodontia, and one that does not. You can select the plan that best fits you and your family needs.
With either plan option, taking advantage of preventive care could reduce your need for costly restorative and emergency procedures down the road.
Preventive services, such as routine exams and cleanings, are covered at no cost to you. For basic and major services, you will pay only a small deductible and coinsurance.
How the MetLife Dental PPO Plans Work
Here’s what’s covered, and how you can make the most of your benefits.
Save When You Use an In-network Provider
You may visit any dentist you like, but you’ll maximize your savings when you see an in-network dentist.
- In-network: You’ll pay a negotiated fee for services.
- Out-of-network: Your out-of-network provider charges could be higher than MetLife’s usual and customary reimbursement for that service, and you could be balance-billed for the difference.
To find an in-network provider, visit www.MetLife.com/dental and select “Find a Dentist” on the homepage.
When You Need Care
| What you’ll pay when you recieve care | ||
|---|---|---|
| Dental Plan 1 (With Ortho) | Dental Plan 2 (Without Ortho)* | |
| Annual Deductible What you’ll pay before the plan starts sharing costs |
|
|
| Preventive care Exams and cleanings every 6 months |
$0 | $0 |
| Basic care Fillings, extractions, and repairs |
20% | 20% |
| Major care Single crowns, bridges, and dentures |
50% | 50% |
| Orthodontia | 50% With a lifetime maximum of $1,250 in benefits per person | Not covered |
| Maximum Benefit The most your plan will cover per person for dental care in a calendar year |
$1,500 | $1,000 |
*Dental Plan 2 (without Orthodontia) is available starting in 2026.
What You’ll Pay for Coverage
| Plan 1 (Orthodontia) | Plan 2 (No Orthodontia)** | |
|---|---|---|
| Bi-weekly | Bi-weekly | |
| Associate Only | $15.34 | $14.16 |
| Associate + Spouse/DP* | $31.11 | $28.71 |
| Associate + Child(ren) | $42.37 | $39.11 |
| Associate + Family | $62.32 | $57.52 |
*By law, if a domestic partner does not qualify as a tax dependent, the cost for their benefits cannot be paid pre-tax, and the “value” of associate and employer-provided domestic partner contributions is taxable.
**Dental Plan 2 (without Orthodontia) is available starting in 2026.