Insurance
MetLife Dental Dentist NYC — Out-of-Network, We File Your Claims
Centre Dental is a non-participating provider with MetLife PDP (Preferred Dentist Program) plans. We bill MetLife directly and handle the claims process. Your MetLife PDP plan provides out-of-network coverage, and we verify your benefits before treatment so you always have a clear picture of your costs.
Coverage Overview
How Your MetLife Plan Works Here
MetLife PDP plans typically cover preventive care (exams, cleanings, X-rays) at 80–100%, basic procedures (fillings, extractions) at 50–80%, and major procedures (crowns, bridges, implants) at 30–50%. MetLife calculates out-of-network reimbursement based on Reasonable and Customary (R&C) charges for your area. We verify your specific plan details before any treatment.
Many MetLife PDP plans cover dental implants as a major restorative benefit, typically at 30–50% of the Reasonable and Customary charge. Some MetLife plans may classify implants as an elective procedure with limited or no coverage. We confirm your exact MetLife implant benefits during your free consultation.
Typical Coverage Ranges
80–100%
Preventive Care
Cleanings, exams, X-rays
50–80%
Basic Restorative
Fillings, simple extractions
30–50%
Major Restorative
Crowns, bridges, implants
Varies by plan
Orthodontics
Invisalign, aligners
Ranges are general estimates. Your plan may differ.
Billing Process
How We Handle Your MetLife Claims
Call (212) 925-7066 or book online. Have your MetLife member ID and group number ready.
We verify your MetLife PDP benefits, including Reasonable and Customary amounts, annual maximum, and waiting periods.
Your treatment plan is presented with clear cost estimates based on your verified MetLife benefits.
We complete treatment — same-day when possible — and submit the claim to MetLife directly.
MetLife processes the claim and sends reimbursement based on your R&C schedule. You pay only your remaining portion.
Same-Day Procedures
One Visit. One Claim. Done.
Centre Dental’s CEREC technology delivers a permanent porcelain crown in a single two-hour visit. For MetLife plan holders, one visit means one claim, one copay, and no need to use sick leave for a second appointment. The procedure code is the same as a traditional crown, so your MetLife coverage applies identically.
Technology
CEREC Same-Day Crowns
Custom porcelain crowns designed, milled, and placed in a single visit. One claim instead of two.
3D CBCT Imaging
Full 3D scan in seconds for precise diagnosis and treatment planning.
3D-Guided Implant Surgery
Precise implant placement using a custom surgical guide built from your 3D scan.
Common Questions
MetLife FAQ
Does Centre Dental accept MetLife dental insurance?
Centre Dental is a non-participating provider with MetLife PDP plans. We bill MetLife directly on your behalf. Your PDP plan covers out-of-network providers, and we verify your specific benefits and provide cost estimates before beginning treatment.
What are MetLife’s Reasonable and Customary (R&C) charges?
R&C charges are the amounts MetLife considers standard for dental procedures in your geographic area. As a non-participating provider, our fees may differ from MetLife’s R&C schedule. If our fee exceeds the R&C amount, you may be responsible for the difference. We explain these details clearly before any work begins.
Does MetLife cover dental implants?
Many MetLife PDP plans include dental implant coverage under major restorative benefits, typically at 30–50% of the R&C charge. Coverage depends on your specific plan and employer selections. Some plans have waiting periods for implants. We verify your exact MetLife implant coverage during your consultation.
Does MetLife cover CEREC same-day crowns?
Yes. CEREC same-day crowns use the same ADA procedure codes as traditional crowns, so MetLife covers them at the same benefit level. The difference is efficiency: you receive a permanent crown in one visit, which means one claim and no temporary restoration.
How much will I pay out-of-pocket with MetLife at Centre Dental?
Your out-of-pocket cost depends on your plan’s benefit percentages, annual maximum, and any difference between our fee and MetLife’s R&C amount. We provide a detailed estimate before treatment. Many patients find that the convenience of same-day procedures and advanced technology makes the investment worthwhile.
Does MetLife have a waiting period for major dental work?
Some MetLife plans include waiting periods of 6–12 months for major procedures. This depends on your specific plan and when coverage began. We check for waiting periods when verifying your benefits so you can plan your treatment timeline accordingly.
Can I use my MetLife benefits for Invisalign?
Some MetLife PDP plans include orthodontic benefits that apply to Invisalign. Orthodontic coverage often has a separate lifetime maximum and may only cover dependents under a certain age. We verify your MetLife orthodontic benefits before recommending a treatment plan.
How do I verify my MetLife benefits before my appointment?
Call us at (212) 925-7066 with your MetLife member ID and group number. Our team contacts MetLife directly, verifies your benefits, annual maximum, and any plan limitations, then provides you with a written summary before your visit.
Coverage information on this page is provided as a general guide. Your actual benefits depend on your specific plan, employer selections, and enrollment date. We verify your exact benefits before treatment. Centre Dental never shares your insurance or health information beyond what is required for claims processing. Your information is protected under HIPAA.
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Verify Your Benefits
Ready to Use Your Benefits?
Call us with your MetLife member ID. We verify your benefits, explain your coverage, and provide a cost estimate — all before your first appointment. No obligation.