April 25, 2025

Finding affordable dental insurance shouldn’t be complicated. That’s why MetLife Dental Insurance, offered as a voluntary benefit through Optima Benefits, is a smart option for individuals and families. With flexible plans, comprehensive coverage, and real cost-saving advantages, MetLife Dental makes protecting your smile easier and more affordable.

Dental Coverage That Fits Your Life

One of the biggest advantages of MetLife Dental Insurance is its flexibility. MetLife offers three plan levels—High, Medium, and Low—giving you the option to choose the coverage that best meets your needs. All plans cover preventive care like cleanings, exams, and x-rays at 100%, making it easy to stay on top of your oral health without extra costs. If you need basic services such as fillings or root canals, coverage ranges from 50% to 80%, depending on your plan choice. Major procedures like crowns and implants are also covered at 50%.

For families with children, MetLife Dental also provides orthodontic benefits, covering 50% of eligible services with lifetime maximums between $1,000 and $1,500. Whether you stay within MetLife’s broad PDP Plus network or see an out-of-network provider, the High and Medium plans reimburse up to 90% of usual and customary rates, offering valuable flexibility.

Affordable Plans with Real Savings

When it comes to cost, MetLife Dental Insurance delivers significant value. Monthly rates start as low as $25.33 for individuals and $89.71 for families, providing an affordable path to important dental coverage. As a voluntary benefit offered through Optima Benefits, plans are direct-billed, allowing employees to enroll independently without the need for payroll deductions or employer-paid contributions.

MetLife Dental plans also provide the advantage of predictable costs. Each plan clearly outlines coverage percentages, annual maximums, and network details so you can plan ahead with confidence. Some of the biggest cost-saving benefits include:

  • 100% coverage for preventive services to help avoid costly issues later
  • 80% to 50% coverage on basic and major dental procedures
  • Generous reimbursement for out-of-network care under the High and Medium plans
  • Lifetime orthodontia benefits for children under 19

With clear pricing and strong coverage options, MetLife Dental makes it easier to stay healthy without unexpected financial strain.

How Optima Benefits Can Help

Choosing the right dental insurance plan can feel overwhelming, but that’s where Optima Benefits makes the difference. Our team works closely with you to compare plan options, explain how coverage levels affect your costs, and help you enroll quickly and easily. With offices in Rochester, NY, and West Palm Beach, FL, we provide personalized service to clients nationwide.

At Optima Benefits, we specialize in offering voluntary benefits that add real value without administrative burdens. Our goal is to make dental insurance—and every employee benefit—easy to access and even easier to manage.

Protect Your Smile Today

Your dental health is too important to leave to chance. MetLife Dental Insurance through Optima Benefits offers the coverage, savings, and support you deserve. Contact us today to learn more about MetLife Dental plans and find the right fit for you or your team.