Metlife Exclusions and DIsclaimers

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details. 

Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166.

Delta Dental is not an affiliate of MetLife, and the services they provide are separate and apart from the insurance provided by MetLife.

Dental Traditional Plan Exclusions

  • Services which are not dentally necessary, those which do not meet generally accepted standards of care for treating the particular dental condition, or which we deem experimental in nature.
  • Services for which a covered person would not be required to pay in the absence of dental insurance.
  • Services or supplies received by a covered person before the insurance starts for that person.
  •  Services which are neither performed nor prescribed by a dentist except for those services of a licensed dental hygienist which are supervised and billed by a dentist and which are for scaling or polishing of teeth or fluoride treatment.
  • Services which are primarily cosmetic. (For residents of Texas: Services which are primarily cosmetic unless required for the treatment or correction of a congenital defect of a newborn child).
  • Services or appliances which restore or alter occlusion or vertical dimension.
  • Restoration of tooth structure damaged by attrition, abrasion or erosion unless caused by disease.
  • Restoration or appliances used for the purpose of periodontal splinting.
  • Counseling or instruction about oral hygiene, plaque control, nutrition and tobacco.
  • Personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss.
  • Initial installation of a denture to replace one or more teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth.
  • Decoration or inscription of any tooth, device, appliance, crown or other dental work.
  • Missed appointments.
  • Services covered under any worker’s compensation or occupational disease law. 
  • Services covered under any employer liability law.
  • Services for which the employer of the person receiving such services is not required to pay.
  • Services received at a facility maintained by the Policyholder, labor union, mutual benefit association, or VA hospital.
  • Services covered under other coverage provided by the Policyholder.
  • Temporary or provisional restorations.
  • Temporary or provision appliances.
  • Prescription drugs.
  • Services for which the submitted documentation indicates a poor prognosis.
  • Services, to the extent such services, or benefits for such services, are available under a government plan.  This exclusion will apply whether or not the person receiving the services is enrolled for the government plan.  We will not exclude payment of benefits for such services if the government plan requires that Dental Insurance under the group policy be paid first.
  • The following when charged by the dentist on a separate basis – Claim form completion; infection control such as gloves, masks, and sterilization of supplies; or local anesthesia, non-intravenous conscious sedation, or analgesia such as nitrous oxide.
  • Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing and biting of food.
  • Caries susceptibility tests.
  • Precision attachments associated with fixed and removable prostheses.
  • Adjustment of a denture made within 6 months after installation by the same dentist who installed it.
  • Duplicate prosthetic devises or appliance.
  • Replacement of a lost or stolen appliance, case restoration or denture.
  • Intra and extraoral photographic images.
  • Fixed and removable appliance for correction of harmful habits.
  • Appliances for treatment for bruxism (grinding teeth), including but not limited to occlusal guards and night guard.
  • Implantology, including repairs.
  • Treatment of temporomandibular joint disorder.  This exclusion does not apply to residents of Minnesota.
  • Orthodontia services of appliances.
  • Repair or replacement of an orthodontic appliance.
  • Cast restorations – including inlays, onlays crown.
  • Implant Supported Prosthetics.
  • Dentures, including complete, partial and Overdentures.
  • Fixed Bridges.