Dental Insurance Benefits

Find out what the MetLife VADIP plans cover and decide on an option that's right for you.
Highlights of MetLife's Plans:

High Plan

  • $3,000/$3,5001 annual plan maximum per person
  • No annual deductible for in-network benefits
  • Orthodontia coverage for children up to age 19

Both Plans:

  • No waiting periods for major procedures (except for Orthodontia in high plan which has a 24-month waiting period)

Coverage Type

With the VADIP you have a choice of two plan options - Standard and High. Both options cover a broad range of important dental services. Please review the plan details below to help you decide on the option that best fits your needs.

Coverage Option
Basic — Class A — cleanings, X-rays and oral examinations
Intermediate — Class B — fillings and periodontal maintenance
Major — Class C — crowns, bridges, root canal treatment and dentures
Orthodontia – Class D — comprehensive orthodontic treatment, fixed appliance

Standard Option

In-Network
100%
50%
30%
Not Covered

Standard Option

Out-of-Network
60%
40%
20%
Not Covered

High Option

In-Network
100%
70%
50%
50%

High Option

Out-of-Network
90%
60%
40%
50%
Coverage Option
1st Year Annual Maximum/ Maximum Per Person —
Dependent Child Ortho Lifetime Maximum Per Person —
Annual Deductible Per Person — (Applies to Basic, Intermediate and Major Services)

Standard Option

In-Network
$1,300/$1,500*
Not Covered
$50.00

Standard Option

Out-of-Network
$1,000/$1,200*
Not Covered
$50.00

High Option

In-Network
$3,000/$3,500*
$3,000
$0.00

High Option

Out-of-Network
$3,000/$3,500*
$3,000
$50.00

*Increases on January 1st following completion of 12 months of enrollments in selected option.

Orthodontia coverage is available for Dependents up to age 19 who are enrolled in the High Option. The Dependent must be covered under the High option for 24 consecutive months before orthodontia benefits will be covered.

Please view the MetLife VADIP Plan Summary to view the covered services, exclusions and limitations.

In-Network

What will your dentist charge you? The negotiated fee2 with participating dentists, which are typically 30% to 45% less than average dental charges in the same community. Negotiated fees2 apply to services covered by the plan, as well as those your dental plan does not cover or those received after you've reached your annual plan maximum as permitted by State law.

Out-of-Network

What will your dentist charge you? A fee set by each individual dentist, which is typically higher than the negotiated fee. You will be responsible for the difference between your dentist's charge and Maximum Allowed Charge.3

Like most group accident and health insurance plans, the MetLife VADIP Dental plan contains certain exclusions and limitations. Please download the plan summary to access these and other coverage details.

Find a dentist near you

1 The Annual Maximum will increase by $200 in the Standard Option, and by $500 in the High option on January 1st following completion of 12 months of enrollment in the selected option.

2 Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full, for services rendered by them. Negotiated fees are subject to change.

3 Maximum Allowable Charge (MAC):  Reimbursement for out-of-network services is based on the lesser of the dentist’s actual fee or the Maximum Allowable Charge (MAC).  The out-of-network Maximum Allowable Charge is a scheduled amount determined by MetLife.