Advocate Health Care
Dental Benefits


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MetLife PDP

MetLife PDP allows you to chose any dentist you want for your dental care needs. There are deductibles and coinsurance amounts to pay, and claim forms to file. You’ll be reimbursed when the Dental Plan Administrator receives the dental claim form from the dentist. Claims will be considered if the dental expense is incurred while you are covered under the plan.

When you use a MetLife PDP participating dentist:
  When you choose your dentist from the list of MetLife PDP participating providers, you receive maximum benefits and reduce your out-of-pocket costs. MetLife PDP participating providers have agreed to discount their fees and this savings is passed along to you, reducing your out-of-pocket costs. Reimbursements are based on a negotiated fee schedule for participating providers after the deductible is met. These negotiated fees are typically discounted 20-30% from usual and customary charges.
When you use a non-participating dentist:
  When you use a dentist who is not a MetLife PDP participant, your benefits are lower and your out-of-pocket costs will be higher. For non-participating providers, reimbursement is based on reasonable and customary charges. When you use non-participating providers for your dental care, the plan covers expenses as a percentage of the reasonable and customary charges according to the plan’s reimbursement schedule.

To see a fact sheet that highlights key features of MetLife PDP coverage, click here.

To see a summary guide describing features of MetLife PDP coverage in more detail, click here.

For more information or to request a dental provider listing, contact the plan administrator, MetLife PDP—by phone at (800) 942-0854 (7 a.m. to 10 p.m. ct, Monday - Friday), or online at For an address and fax number for written correspondence, see the Benefits Directory.