Table with glasses and medial equipement

Dental Insurance

Quick Stats


Group #304089
PDP Plus Network


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Plan Comparisons

Benefit Summary Freedom Dental Preferred PDP
Coverage Type In-Network Out-of-Network In-Network Out-of-Network
Type A - Preventive 100% 100% 100% of PDP Fee 90%
Type B - Basic Restorative 75% of PDP Fee 75% 75% of PDP Fee 65%
Type C - Major Restorative 70% of PDP Fee 70% 70% of PDP Fee 60%
Type D - Orthodontic 50% of PDP Fee 50% 50% of PDP Fee 50%
Deductible In-Network Out-of-Network In-Network Out-of-Network
Associate Only $50 $50 $50 $50
Associate Plus $100 $100 $100 $100
Annual Maximum In-Network Out-of-Network In-Network Out-of-Network
Per Person $2,500 $2,000 $2,500 $2,000
Orthodontic Lifetime Maximum In-Network Out-of-Network In-Network Out-of-Network
Per Person $2,000 $2,000 $2,000 $2,000
  1. Benefits based on the PDP Fee, the fees participating dentists have agreed to accept as payment in full. Out-of-network providers have the right to bill for charges over the PDP Fee.
  2. Benefits based on the research of a dentist’s usual, actual and community average charge as determined by MetLife.

No ID Cards

An ID card isn’t required to receive services. Notify your dentist office that MetLife is your dental provider when scheduling an appointment. If you would like an ID card, log on to or the MetLife app to access.

How are the two plans different?

Freedom Dental gives you the opportunity to visit an in or out-of-network provider and receive the same benefit percentage. This plan is ideal if you know you will be visiting an out-of-network provider during the year.

Preferred PDP has a lower benefit percentage out-of-network. This plan is ideal if you plan on using in-network providers. If you you choose this plan, you will receive the best benefit by visiting an in-network provider.

Regardless of which plan you choose, in-network providers have agreed to discounted charges for services, helping you save more money.