MetLife Dental Implant Coverage — Peninsula
Dr Na Dental accepts MetLife PDP Plus PPO plans and helps Peninsula patients in San Mateo, Burlingame, Foster City, and beyond maximize their MetLife benefits for implants.
Why MetLife Dental Patients Choose Dr. Na Dental
Harvard Trained
Implantology certificate from Harvard School of Dental Medicine
In-Network
Credentialed MetLife provider — no balance-billing surprises
Free Predetermination
We file benefit estimates with your insurer before treatment starts
Flexible Phasing
We time treatment phases to maximize two annual benefit periods
MetLife Dental Implant Coverage Breakdown
Estimates based on typical MetLife Dental plan terms. Your actual coverage depends on your specific plan, remaining annual maximum, and deductible. Book a free consultation for a personalized estimate.
| Procedure | Total Cost | Insurance Pays | Patient Pays |
|---|---|---|---|
| Single-tooth implant (post + abutment + crown) | $3,500 – $6,500 | $1,000 – $2,000 | $1,500 – $5,500 |
| Bone graft (per site) | $600 – $1,500 | $300 – $750 | $300 – $1,200 |
| Sinus lift | $2,000 – $4,000 | $500 – $1,000 | $1,000 – $3,500 |
| Multiple implants (3–4 teeth) | $10,500 – $19,500 | Up to annual max ($1,500–$2,000) | $8,500 – $18,000 |
| All-on-4 full arch | $20,000 – $35,000 per arch | Up to annual max | $18,000 – $33,500 |
* All figures are estimates. Numbers reflect approximate MetLife in-network allowed amounts. Individual plans vary. Contact us for a complimentary benefit verification.
How to Verify Your MetLife Dental Benefits
Visit metlife.com/mybenefits or call the member services number on your MetLife ID card. Ask for your plan's Maximum Plan Allowance for implants (D6010, D6057, D6058), your remaining annual maximum, and whether a missing-tooth clause applies. Our treatment coordinators submit predetermination of benefits at no cost — call (628) 286-9012 or book online below.
What MetLife Dental Typically Does NOT Cover
Honest transparency about exclusions helps you plan your budget and avoid surprises.
- Implants for teeth missing before MetLife plan enrollment (missing-tooth clause on individual plans)
- Cosmetic elective upgrades not functionally necessary
- Implant placement during any applicable waiting period
- Services not pre-authorized when MetLife requires it
- Charges above MetLife's Maximum Plan Allowance (MPA)
These exclusions apply to most standard MetLife plans. Your employer group plan may differ. Our treatment coordinator will verify your specific exclusions before treatment.
MetLife Dental Implant Coverage — FAQs
We Also Accept Other Major Insurance Plans
Ready to Use Your MetLife Benefits?
Dr. Na Zhao (Harvard-trained, UCSF DDS, PhD) provides AI-assisted precision implant surgery at our San Mateo office — 5 minutes from Foster City, 12 minutes from Palo Alto. Book your free consultation and we will verify your MetLife benefits before you arrive.