Metlife Insurance
MetLife Dentist in Beverly, MA
Smiley Dental Beverly welcomes patients with MetLife dental insurance at our office at 45 Dodge St. Whether you have a PPO plan through your employer or an individual plan, our team will check your benefits before your visit, so you know what to expect before treatment begins.
Is Smiley Dental Beverly In-Network with MetLife?
We accept MetLife dental plans at our Beverly office, including PPO and employer-based plans. Network participation can vary by plan and by provider, so we confirm your exact network within minutes when you call with your member ID.
The difference matters. In-network dentists agree to MetLife’s negotiated fees, which usually lowers your out-of-pocket cost. With an out-of-network dentist, the plan may pay less and you may be billed the remaining balance. If your plan turns out to be out-of-network, we’ll tell you before your visit and go over your options, including our membership plan below.
MetLife dental plans we work with
- Employer-sponsored plans: the most common type, often PPO-based.
- Individual and family plans: purchased directly, with coverage for dependents.
- Retiree plans: available through some employers and groups.
Coverage details differ by employer, so two people with MetLife can have different benefits. Not sure what you have? Share your member ID and we’ll look it up. See all carriers on our insurances accepted page.
How to use your MetLife dental benefits
- Contact us. Call or request an appointment and share your member ID, date of birth, and the subscriber’s name if you are a dependent.
- We verify your benefits. We check your MetLife coverage before your appointment, and can often confirm your network in minutes.
- You get an estimate. We show what your plan is expected to pay and what your share may be.
- We file the claim. After your visit, our team submits and follows up on your MetLife claim.
New to our office? After you book, you’ll get a text message with a secure link to fill out your new patient forms before you arrive.
MetLife dental coverage: what’s typically covered
| Type of care | Typical coverage | Examples |
|---|---|---|
| Preventive | Often 100% | Exams, cleanings, X-rays |
| Basic | Often around 80% | Fillings, simple extractions |
| Major | Often around 50% | Crowns and bridges, root canals, dentures |
| Implants and orthodontics | Plan-specific | Dental implants, Invisalign |
These percentages are typical ranges, not guarantees. Three plan terms affect what you pay:
- Annual maximum: the most your plan pays toward your care in one plan year.
- Deductible: the amount you pay before the plan starts paying for basic and major care.
- Waiting period: some plans delay coverage for major services after you enroll.
Example: estimating your cost with MetLife
Illustration only. Say a crown is billed at $1,200, your plan covers major care at 50%, and you have a $50 deductible that is not yet met. You pay the $50 deductible, then 50% of the remaining $1,150 ($575), for an estimated share of $625. The plan pays about $575.
Your real numbers depend on your plan and the fee schedule that applies to you. We give you a written estimate before treatment.
Tips to get the most from your MetLife benefits
- Use your preventive visits. They are often covered at or near 100%, and they catch problems early.
- Use benefits before the plan year ends. Most dental benefits do not roll over.
- Ask about phasing treatment. Splitting larger treatment across two plan years can make better use of two annual maximums when it is clinically appropriate.
Cover the gap. For costs your plan doesn’t pay, see our patient financing options, including Sunbit and CareCredit.
No MetLife plan, or a treatment your plan won’t cover?
Our in-office Smiley Dental Membership Plan is a flat annual fee that includes routine cleanings, exams, and X-rays, plus reduced pricing on services like fillings, crowns, dentures, extractions, and cosmetic care. It has no deductibles, waiting periods, claim forms, or yearly maximums. It is not insurance, and we’re happy to explain whether it makes sense alongside your MetLife plan. Learn more in our guide to dental membership plans in Massachusetts. Also see MassHealth dental care if that applies to you.
Plans we Work with
How it Works here
- Benefit check: Share your member ID, DOB, and subscriber details (if dependent).
- Clear estimate: We show what your plan pays and what you may owe.
- Easy claims: We file your claims and follow up for you.
- Flexible payments: Options available for services not fully covered.
What’s Commonly Covered
Preventive
Cleanings, exams, and X-rays – often covered at or near 100%
Basic
Fillings and simple extractions – partially covered
Major
Crowns, bridges, and dentures – percentage coverage varies
Implants/Orthodontics
Plan-specific; we’ll verify your benefits
How to Apply
Eligibility Requirements
Frequently Asked Questions
Are we in-network with your plan?
Are cleanings covered?
Are cosmetic services covered?
Do you handle claims?
Ready to Check your Benefits?
Call 978-288-1000 and say you have MetLife. We serve Beverly, Danvers, Salem, Peabody, Wenham, Hamilton, Ipswich, Manchester-by-the-Sea, Gloucester, Newburyport, and nearby North Shore communities.
Other Smiley Dental locations: Boston 857-888-8000 • Lowell 978-999-9000 • Waltham 781-666-6000 • Fairhaven 508-967-1000.
