Find a Metlife Dentist in Millbrae, San Bruno, Burlingame, San Mateo

Metlife is the second largest dental insurance providers in California. Metlife also has dental insurance plans in many other states including Michigan, Minnesota and all over New England. If Metlife is so large then why do patients have a hard time finding a great Metlife Dentist that is in their network? You’ve found one. Dr. Tsai and her team have been Metlife providers for many years.

Kinds of Metlife Insurance

There are two basic types of Metlife insurance that your employer may offer PPO and HMO.

Metlife PPO

Metlife PPO is, as its name implies, Metlife's higher level PPO plan. It is a PPO plan which means you can see just about any dentist you like. However, in order to get your full benefits (
discounted insurance prices, full coverage on treatment, etc.) you need to see a Metlife Dentist (in-network). Typically this plan requires you to pay more per month or out of your pay check. However, the good news is Metlife Dentists on this plan are able to provide you with better benefits such as night guards for patient who grind their teeth at night, dental sealants, orthodontics or invisalign, and dental implants. Metlife plans rarely cover all expenses in full but they generally have better benefits for our patients.

Not all Metlife Dentists are In-Network Providers

Many patients are misled to think that all Metlife Dentists are in-network providers. This is NOT true. If you have a MetLIfe PPO plan and visit a provider who is not in-network BUT takes or “accepts” Metlife you will not get the discount prices and your out of pocket costs will be much higher. Most Metwlife plans have a 20-30% savings for our patients so it is important to make sure your dentist is In-Network for your Metlife. We'd be happy to take care of this for you before you come into our office. If you have any questions about the costs or different Metlife Plans please give our office a call.

Metlife DHMO / HMO Plan

Metlife also has a DHMO or HMO Dental plan. This is a very low level and low cost plan that is good for emergencies and basic cleanings. It is not ideal for crowns, bridges, rootcanals and other major dental work. The unfortunate thing about HMO or DHMO dental plans is they have a financial incentive in place that put pressure on your dentist to avoid doing the right treatment. For example, most DHMO dental plans will pay your dentist a low flat fee ($5/month) whether or not she sees you in her office. Thus the dentist would rather delay or avoid treatment than help you out. For this reason our office does not participate in any HMO or DHMO dental plans. If you would like a free second opinion on something you feel your DHMO dentist is not treating properly please give us a call. We'll take a look for you.

Looking for a Metlife Dentist or Have questions about Metlife Insurance Plans? E-mail or call us:


Find a Metlife Dentist in Millbrae, San Bruno, Burlingame, San Mateo? Dr. Tsai at Millbrae Dental Care is a Delta Dentist.

88 Capuchino Dr.  
Millbrae CA 94030

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