Since it was founded in 1898, Metlife has become one of America’s largest providers of insurance and other financial products; it has also started operations overseas in regions such as Europe and Latin America. Products currently offered by Metlife include life insurance, auto and home insurance, disability insurance, retirement planning, wealth management and group dental insurance. Group Metlife dental insurance plans are typically offered at rates 10% to 35% lower than the industry average in many of the communities it serves.Metlife dental insurance Preferred Dentist Program allows covered employees to avail of the services of general-practice and specialty dentists at over 120,000 locations across the US. Employees covered by Metlife PDP plans enjoy lower out-of-pocket costs for dental services as all in-network dentists have agreed to accept negotiated fees for all services rendered, even for non-covered services and those provided after you’ve exceeded your annual maximum. However, you have the freedom to use any dentist you want, although you can conveniently find an in-network dentist from a searchable database on the Metlife site. You can also find out what your out-of-pocket costs will be by requesting a pre-treatment estimate through your dentist.Employers in Florida, California and Texas can avail of a Metlife dental insurance DHMO plan. Metlife DHMO plans offer members a broad range of covered services (340 for those with SGX plans) with no annual maximums, which allow you to receive all the services that you need. There are also no claims and no deductibles; you only pay the co-pays for the covered services you actually use. When you enroll, all you and your dependents have to do is to select a participating general dentist who will provide your primary dental care. And if you need a specialist, you don’t need a pre-authorization from your dentist; they will merely provide you with the name of a specialist so you can schedule a visit. SGX plans also cover second opinions; all you have to do is contact Metlife’s customer service and you will be provided with the name of a dentist. Family members can select different in-network dentists and you can change your dentist up to once a month.There are also two options for Metlife dental insurance: Standard and High. While both options offer 100% coverage for basic services, 35% of major procedures and 50% of orthodontia services, the Standard package covers 55% of intermediate dental services while the High option covers seventy percent.
Several dental insurance companies are offering special programs in addition to their dental insurance plans. MetLife dental insurance is currently offering their members a Preferred Dentist Program (PDP). This is considered a Preferred Provider Organization (PPO) with a national network of approximately 90,000 dentists’ locations. These participating dentists provide services to MetLife members enrolled in the MetLife dental benefit plan. The fees for this particular insurance plan are generally 10 – 35%. This percentage is below the average rates within their community.What is MetLife’s Preferred Dentist ProgramTo participate in this money saving dental insurance offer, simply search in your MetLife’s directory of dentists and find a dentist locally based upon where you live or work and the type of dentist that you will be needing…for example, an orthodontist. Upon selecting the type of dentist you need, contact the dentist by email or call his or her office directly to schedule an appointment and let him or her know that you are currently participating in MetLife’s dental benefit plan (PDP).
MetLife’s dental insurance and the Preferred Dentist Program (PDP) has lower cost because when you receive dental care from a MetLife dentist, your actual out-of-pocket expenses will be considered much lower than what you would normally be charged if you received dental services from a non-participating dentist.Unlike several managed dental benefit programs, members have the freedom of selecting any dentist they want whether the dentist is in or out-of-network. This is during the time of treatment and when you are still receiving benefits. MetLife dental insurance holders normally save more money when they use an in-network dentist. The best of all, there are no required ‘lock-ins’ and there is absolutely no need to receive a referral to just to see a specialist.MetLife dentists who participate in PDP program go through a massive credentialing process so all members receive highly qualified dentists. The review process entails the following: emergency care arrangements, and malpractice coverage, history and etc. All dentists participating in this program must present valid copies of licenses and specialty training certificates. All dentists must adhere to very strict utilization management and claim review. This will actually help ensure that the benefits are paid for services. MetLife dentists are monitored on a regular basis and they are required to undergo recredentialing every three years. This is why 93% of all patients who have visited a PDP dentist have left satisfied with the out come of their visit.
If you can make a choice out of 1000 dentists to provide you with professional dental services, wouldn’t that be great? Now, imagine having 100,000 dentists ready to cover your needs as they arise. With MetLife Dental Insurance, that is not wishful thinking. This dental plan will have you covered that normally you would be paying a hefty sum for good dental care but if you are enrolled to any of the four types of dental plans by MetLife you would be paying 10 percent to 35 percent less than usual. Each dentist professional who is under the MetLife network has agreed for a preset fee so you would not have to worry about it. The scheme followed by MetLife is as follows: 100% for preventive treatment, 50% to 80% on ordinary procedures and 25% to 40% on major treatments.The preventive procedures wholly covered include x-rays, sealants, fluoride as well as routine cleanings. All this preventive dental care is taken care of. In fact even root canals are considered under basic procedures. The fantastic PPO plan of MetLife Dental Insurance allows you to choose from a myriad list of dentist you prefer. Once you have made that choice, informing your dental care professional that you are enrolled with MetLife Dental Insurance will immediately place you in a different billing category that will enable you to pay much less than what a non-member patient would have to shell out. Enjoy these dental discounted fees by being a member now. At MetLife your dental concerns are a thing of the past.To get a MetLife Dental Insurance, you should confer with your employer or in case of a business venture, dental coverge is available for whatever size of enterprise you are. With lower costs, less paperwork and superb service of a comprehensive list of dental health professionals, MetLife tops the list of insurance policies that work for you with ease and facility.