Purchasing a dental insurance policy from a company such as Metlife can be an excellent idea for many people. However, it is essential to take some time to research the details of the plan before you make a final decision. This will help you choose the program that is right for you.
High Option Benefit vs. Low Option Benefit
Choosing between the Metlife dental insurance plan or dental discount card is challenging. Luckily, there are a plethora of Metlife groupies willing to help. They are not all about sales, although the high-and low-touch types are a dime a dozen. In short, they are courteous, receptive, and professional. Regardless of your quirks, they will do the heavy lifting for you. You can expect to be treated like a valued client for the duration of your contract. To top it off, you can pick up the best MetLife dentist in town.
Orthodontic dental coverage
Whether you’re looking for MetLife dental coverage for yourself or your family, there are plenty of plans to choose from. First, however, you’ll want to ensure that you find one with the benefits you’re looking for.
Orthodontic coverage with MetLife is available in some of the company’s PPO plans. These plans can cover up to half of your bill for orthodontic treatment. In some cases, you may also get coverage for Invisalign treatments, a clear alternative to metal braces.
If you’re planning to use Invisalign, you’ll need to be careful that the insurance plan you choose covers you for the amount you need. While many of the projects MetLife offers have high benefit levels, there are also some exclusions and limitations to consider.
MetLife’s Dental PPO-High plan offers 50% coverage on most orthodontic treatments. The program also has a 12-month waiting period and a lifetime maximum of $1,000. However, if you’re looking for the highest benefit possible, you’ll want to go with the MetLife VADIP, which offers high coverage rates for children.
MetLife’s Dental TakeAlong plan also covers 50% of children’s orthodontics costs, but you must be under 19 to qualify. These plans also cover sealants up until age 19.
If you’re unsure which of MetLife’s plans will cover your orthodontics, you can call the company’s customer service line. They will walk you through the process.
Co-pays
Whether you’re shopping for a new dental insurance plan or looking to replace an old one, it’s essential to understand what you’re getting into. For instance, you’ll get covered for preventive care, cleanings, and primary and minor repairs, but you’ll need to pay for some of the more expensive items, such as crowns, bridges, and dentures.
You might have heard that MetLife offers two national dental PPO plans. The first is a low deductible, high premium plan with a $150 maximum family deductible and a few other perks. The other is a premium plan with the same deductibles, covering all MetLife network dentists. If you want the best coverage, you’ll need to opt for the other option.
The most expensive item on your dental insurance card will probably be your deductible. However, you can avoid this by limiting your dental visits to a specific area or using an in-network provider. You’ll also save on out-of-pocket costs, such as co-pays if you use an in-network provider. It’s also not a bad idea to learn more about your plan’s benefits by calling customer service. A friendly representative will be happy to answer any questions you have about your project.
Besides the co-pays, other less tangible costs are associated with your plans, such as deductibles and coinsurance. In addition, you may be limited to a few in-network dentists or specialists, depending on your plan’s restrictions.
