Discover comprehensive dental coverage tailored specifically for retired and semi-retired members, offering both flexibility and savings.
Metlife Retiree Dental Program
Who we provide cover for
In partnership with MetLife, Physicians Insurance offers dental coverage to retired and semi-retired MMS members through MetLife’s Preferred Dental Program. These benefits extend not only to members but also to their spouses and surviving spouses, ensuring comprehensive dental care for your family.
What MetLife retiree dental insurance covers
MetLife’s Retiree Dental Program provides flexible benefits tailored to meet your dental care needs. Key features of the program include:
- Significant savings at any in-network dentist (over 114,000 participating in-network dentist locations nationally).
- Reduced out-of-pocket expenses for dental services.
- Two levels of coverage:
- Option 1: Covers preventive and basic dental treatments, like cleanings, X-rays, and fillings.
- Option 2: Includes all benefits of Option 1 plus coverage for advanced procedures such as crowns and dentures, based on a schedule of benefits.
Additionally, MetLife is known for negotiating fees for many non-covered services, such as adult orthodontia and cosmetic procedures, when performed by a Preferred Dentist Program in-network dentist — even if the annual maximum is exceeded.
How much does it cost?
Premiums vary based on several factors, including but not limited to: the level of coverage selected (Option 1 or Option 2), geographic location, and the number of individuals covered (member, spouse, or surviving spouse).
We’re committed to putting your needs first and helping you manage costs proactively.
“Physicians Insurance has always been very reasonable, upfront and honest.”
David Wasserman, Executive Director Physician Organization at Congenial Healthcare
Request a free, no-obligation quote today
Is it time to examine your current policy? Remember, what you don’t know can hurt you.
The simplest way to mitigate risk is through thorough preparation. At Physicians Insurance, we are best placed to help enhance your preparedness.
With our extensive experience and deep industry knowledge, we are confident in our ability to tailor a competitively priced insurance program that addresses your unique needs.
Simply complete the form to request a free, no-obligation quote for the MetLife retiree dental program, and we will contact you to discuss your options.
FAQs
Is the MetLife Retiree Dental Program tax-deductible?
Dental insurance premiums are generally not tax-deductible unless they exceed a certain percentage of your income and are part of your overall medical expenses.
Can I choose my own dentist with the MetLife Retiree Dental Program?
Yes, you can visit any dentist you prefer. However, choosing an in-network dentist will provide you with greater savings and reduced out-of-pocket costs through MetLife’s extensive network of over 114,000 participating locations.
Does Medicare cover dental care?
Original Medicare (Parts A and B) does not typically cover routine dental care, such as cleanings, fillings, or dentures. Some Medicare Advantage plans may offer dental benefits, but it’s important to check your specific plan. The MetLife Retiree Dental Program provides comprehensive dental coverage to help fill this gap.
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