Insurance & Benefits
Dental

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MMA and MetLife offer members a variety of dental plans with multiple coinsurance, annual maximum, deductible and orthodontia options.

Access Plan

Equal Coverage In and Out of Network

Employer members can create a plan similar to an indemnity plan with the additional benefit of having access to MetLife’s Preferred Dentist Program (PDP) network. Employees receive equivalent coverage regardless of the dentist chosen and benefit from lower network rates if a network dentist is used.

Network Plan

Minimizes Out-of-Pocket Costs

In-network dentists charge and are reimbursed based on a negotiated network schedule of fees (PDP Schedule of Maximum Payments). Out-of-network dentists may charge above the network schedule; reimbursements will still be based on Reasonable and Customary (R&C) charges. Charges beyond R&C are the responsibility of the employee.

Special Features

Orthodontia Option

When selected, orthodontia coverage is included for dependent children up to age 19.

Preferred Dentist Program

The MetLife nationwide network has more than 50,000 participating dentists, including specialists, with approximately 1,400 in Michigan.

Find a Dentist

Freedom of Choice

Plan members have the flexibility to go to any dentist they choose, including any of the 50,000-plus participating dentists in MetLife’s nationwide network. Employees have access to customized Preferred Dentist directory information that is mailed the next business day.To obtain a list of participating dentists, call MetLife toll-free at 800-474-7371 or visit online.

No Benefit Waiting Periods

There are no benefit waiting periods for employees enrolled when they are first eligible.

For more information, please contact Insurance & Benefits at 800-842-6513.