MetLife only offers dental insurance through employer-based programs. Like most plans designed for employers, MetLife can provide a HMO or PPO experience for your employees. Their network of dental providers is quite large and the number of services they provide under their HMO plan is very extensive (over 400 procedures).
Like most PPO programs, the MetLife PPO (or DPPO, as they call it) allows employees to choose their own dentist or to select a dentist from the MetLife network of approved dentists. Choosing a network dentist provides an employee with discounts on service ranging from 10-35%, compared to using an out-of-network dentist. There is a maximum on annual coverage for dental services.
The MetLife HMO was previously operated as Safeguard Dental Insurance. It is now called the Safeguard DHMO. While you must choose a dentist from the MetLife network of providers, you may change your dentist monthly and each family member may have a different dentist, based on individual needs. When it is necessary to visit a specialist, you may go with your primary dentist’s recommendation or select your own specialist from the network. Their are no annual maximums on coverage or deductibles, but there are set copayments for services provided.