MetLife Dentist - Garland, TX

MetLife Coverage Availability & Fees

It is important to understand when it comes to dental insurance, coverage can vary greatly from plan to plan, even if it originates at the same agency. Preferred provider organizations, or PPO plans, will often provide coverage with both in-network and out-of-network dentists, however you’ll typically save a lot more money when you select an in-network dentist.

In most cases, PPO plans are subject to the following terms and conditions:

Deductible – This is the dollar amount you must pay out of pocket before your dental insurance will cover treatment. In most cases, regular dental exams and cleanings are not included in your deductible.

Waiting Period – Although not every dental insurance plan will have a waiting period, those that do may require you to wait a specified amount of time before your full benefits become active. In most cases, your regular exams and cleanings are excluded from waiting periods.

Annual Maximum – This is the maximum dollar amount your dental insurance provider will pay annually for you and your family’s dental treatments.

It is important to note that with PPO plans, typically, the higher the premium you pay, the more favorable your coverage terms will be.

Conversely, HMO (health maintenance organization) plans only have in-network dentists, and you’ll only be able to use your coverage when you visit a participating dentist. You may also be required to select a primary care dentist. However, HMO plans typically have much more favorable terms than PPO plans, like lower premiums, no annual maximum, lower copays, and lower or no deductibles, but they’re better suited to patients who aren’t anticipating any major dental work.

In most cases, dental insurance plans provide coverage based on the following structure:

• 100% of the costs for two annual exams & cleanings.
• 80% of the costs for any “minor” procedures.
• 50% of the costs for any “major” procedures.

Please note that the exact definition of what is considered a major or minor procedure can vary from provider to provider, so be sure to verify your coverage with MetLife before agreeing to any treatment.

The Benefits of Seeing an In-Network Dentist

There are many incentives to visiting a MetLife dentist in Garland! At Town Center Dental, we’ll happily assist you with understanding your MetLife coverage and even file your claims on your behalf. Not only that, but because we’re in-network with MetLife, we’re able to save you money by providing the most coverage possible with your plan. Ready to learn more? Contact us today with your MetLife dental insurance information, and we’ll be glad to provide you with an estimate of your coverage for any upcoming treatment!