Metlife Dental Plans 2021 / Low-Cost Dental Option or High Deductible Plan

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For those people who have been searching for a great tooth care provider, metlife dental plans are the perfect option. With metlife dental plans, you will be provided with top-notch quality services, to ensure that your oral health is in tip-top shape. For example, one of the benefits offered by metlife dental ppo is that patients can schedule routine or emergency cleanings at any time. The following are additional benefits you stand to enjoy with metlife dental plans:

Ease of Access. Dental certificates are easy to access with any metlife dental plan. You can view your certificate, renew it, and order necessary replacements or upgrades anytime, without having to visit the office. Furthermore, ordering fillings and crowns is also very easy. You don't have to visit the dentist for these procedures either.

Same Dental Care. Because this is a government plan, it allows for the same level of care with each policyholder. In other words, you can get routine cleanings and dental checkups. If there is an emergency, however, you will still be able to get the treatment you need. Because your dentist is no longer required to join this plan, he or she won't be as busy, thus allowing the dentist to provide better services.

Metlife Dental

Metlife Dental Plans

Same Quality Service. Metlife Dental provides dental certificates to each patient. The process for obtaining dental certificates is the same as that of obtaining private dental certificates. The only difference is that when requesting a MetLife dental plan, the private policyholder has to pay an extra $50 per year to join.

Same Treatments and Procedures. Metlife Dental will give you the same number of treatments and procedures as private policies do. This includes sedation, fillings, crowns, and more. You will also have the same payment options available. Some plans include extra money for "spreading" the care around the family, but it is limited and is not worth it in most cases.

No Upfront Fees. The key feature of this type of dental plan is that you will not have any upfront costs. You will sign up and pay for your procedure, and then you will make payments on a schedule that works for you. When you reach the agreed upon amount of time (usually 30 days), the dentist will deduct the agreed upon amount of money from your account. Unlike a traditional private dentist plan dentist, there are no negotiated fees.

No Annual Protections. Unlike other dental plans, you will not be able to receive any annual dental protection. If your teeth need to be cleaned, you will be responsible for the cost of the cleaning and any part of the service costs associated with it. Metlife Dental does not offer any type of pro-rate protection. You will pay the full amount each time you go to the dentist regardless of how much the cleaning cost. If you need a root canal treatment done, you will have to pay for the entire procedure up front before your insurance will cover it.

Limited Dispensing Options. Metlife Dental does not provide any of the basic dental services that most providers offer. They do provide two oral health plans. The Low option pays up to three percent of your entire bill each month. The High option pays the same amount each month, but has a discount card you can use for emergencies only. There is also a dental high option, which is the most expensive plan available.

Limited Options. Unlike most dental plans, you will not be able to choose any dental specialists. You will have to go through the area where you work to find the dentists in your area. If you need a root canal, you will need to see an orthodontist in the area where you live or in the area that you travel to.

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Prohibited Services. As with most plans, there are a few proscribed treatments. Your dentist may not perform any of the following: cosmetic surgery, capsulitis and periodontal disease. They may also refuse to treat conditions like heart disease or diabetes. If you or someone else uses anesthesia, they will only allow anesthesia when necessary under the supervision of a dentist. Other services such as non-surgical cosmetic procedures, laser teeth whitening and botox are only available under the low option.

What's Better? You pay a higher deductible but get more coverage. The low option gives you more flexibility. It's hard to argue with the extra money in your pocketbook provided you go to a dentist who accepts your plan. But what about people who can't afford a dentist's office, don't have dental insurance or don't want to make a commitment to someone outside their family? These individuals will likely benefit from this plan the most.

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