Understanding Your MetLife Dental PPO Orthodontic Benefits in Erie, CO
Are you wondering how your MetLife Dental PPO insurance can help cover orthodontic treatments for your child? At Hardy Pediatric Dentistry & Orthodontics in Erie, Colorado, we accept MetLife Dental insurance and can help you navigate your coverage options for braces, Invisalign, and other orthodontic treatments.
MetLife Dental offers several PPO plans that include orthodontic coverage, with the MetLife TakeAlong Dental PPO-High plan being particularly beneficial for families seeking orthodontic treatment for their children. This plan allows members to select any licensed orthodontist—whether in-network or out-of-network—while providing benefits for a wide range of oral care procedures and orthodontic treatments.
As a MetLife Dental PPO member, you’ll enjoy an extensive network of orthodontic providers, greater savings when staying in-network, and the convenience of claims submission handled by your orthodontist. You can also manage your benefits easily through MetLife’s secure member website.
MetLife TakeAlong Dental PPO-High Plan Coverage Details
Orthodontic Coverage for Children
The MetLife TakeAlong Dental PPO-High plan offers significant financial support for families seeking orthodontic treatment for their children:
| Coverage Aspect | Details |
| Coverage Percentage | Approximately 50% |
| Maximum Lifetime Benefit | $1,000 per individual |
| Age Limit | Children up to age 19 |
| Waiting Period | 12 months |
| Provider Selection | Any licensed orthodontist (in or out-of-network) |
This coverage applies to various orthodontic treatments including traditional braces, clear braces, lingual braces, and Invisalign. While the 50% coverage can significantly reduce your out-of-pocket expenses, it’s important to note that adult orthodontic treatments are not covered under this plan.
X-Ray Coverage with MetLife Dental
Diagnostic procedures are an essential part of orthodontic treatment planning, and MetLife Dental provides coverage for various types of dental X-rays:
| X-Ray Type | Coverage | Waiting Period | Frequency Limits |
| Bitewing X-Rays (Children) | Approximately 100% | None | Once every 6 months |
| Bitewing X-Rays (Adults) | Approximately 100% | None | Once per calendar year |
| Full Mouth X-Rays | Approximately 50-80% | 6 months | One set every 60 consecutive months |
Orthodontic Treatment Options Covered by MetLife at Hardy Pediatric Dentistry & Orthodontics
Traditional Braces Coverage
If you’re considering traditional braces for your child, MetLife’s TakeAlong Dental PPO-High plan covers approximately 50% of the cost for children up to age 19. With a lifetime maximum benefit of $1,000 and a 12-month waiting period, this coverage can help make traditional braces more affordable for many families.
Dr. T.C. Hardy, our board-certified orthodontist, offers various types of braces to suit your child’s specific needs and preferences. The MetLife coverage applies regardless of the type of braces chosen, though the total cost may vary depending on the complexity of the case and the specific orthodontic appliance selected.
It’s important to note that while braces for adults are not covered under the MetLife TakeAlong Dental PPO-High plan, our office offers flexible payment options to help make orthodontic treatment accessible for patients of all ages.
Invisalign and Clear Aligner Coverage
Many patients prefer the discretion and convenience of Invisalign clear aligners over traditional braces. The good news is that MetLife Dental PPO-High plan does cover Invisalign treatment for children up to age 19, provided your plan includes orthodontic benefits.
The coverage is similar to that of traditional braces: approximately 50% of the cost is covered, with a lifetime maximum benefit of $1,000 per individual and a 12-month waiting period. Dr. T.C. Hardy is an experienced Invisalign provider who can help determine if Invisalign is the right option for your child’s specific orthodontic needs.
For teenagers specifically, Invisalign Teen offers features designed to address the unique needs of adolescent patients, including compliance indicators and replacement aligners. These treatments are also covered under the MetLife orthodontic benefits for eligible children.
Clear Braces and Lingual Braces Coverage
For patients seeking a more discreet option than traditional metal braces but requiring the effectiveness of fixed appliances, clear braces and lingual braces are excellent alternatives. Clear braces use tooth-colored or clear brackets, while lingual braces are placed behind the teeth, making them virtually invisible from the front.
The MetLife TakeAlong Dental PPO-High plan covers approximately 50% of the cost of these treatments for children up to age 19, with the same lifetime maximum benefit of $1,000 and 12-month waiting period. Dr. Hardy specializes in providing these advanced orthodontic options and can help determine which type would be most effective for your child’s specific orthodontic needs.
Retainer Coverage and Post-Treatment Care
After the active phase of orthodontic treatment is complete, retainers are essential for maintaining the newly achieved alignment of your child’s teeth. MetLife Dental may cover part of the cost of retainers, depending on your specific plan details.
The coverage for retainers typically falls under the orthodontic benefits category and would be subject to the same limitations as other orthodontic services. For children covered under the MetLife TakeAlong Dental PPO-High plan, retainers may be included within the 50% coverage rate and count toward the $1,000 lifetime maximum.
To determine the exact coverage for retainers in your specific situation, we recommend calling our office at (720) 764-6158. Our knowledgeable staff can verify your benefits and help you understand what portion of retainer costs might be covered by your MetLife plan.
Why Choose Hardy Pediatric Dentistry & Orthodontics for Your MetLife-Covered Orthodontic Treatment?
At Hardy Pediatric Dentistry & Orthodontics, we provide exceptional orthodontic care in a warm, welcoming environment. Our team, led by Dr. T.C. Hardy, Dr. Namrata Hardy, and Dr. Cierra Randall, offers comprehensive orthodontic services using the latest technologies and treatment approaches.
Advanced Orthodontic Technology
We invest in cutting-edge orthodontic technology to ensure the best possible outcomes for our patients:
- iTero 3D Scanner: Creates precise digital impressions without the discomfort of traditional molds
- InBrace: A truly invisible orthodontic solution that works behind the teeth
- KLOwen Custom Braces: A customized braces system that can straighten teeth faster and more comfortably
- Digital X-Rays: Reduced radiation exposure with instant results
- 3D Printing: Allows for same-day production of certain orthodontic appliances
- CBCT Technology: Provides detailed 3D imaging for complex cases
Expert Orthodontic Care
Dr. T.C. Hardy is board-certified by the American Board of Orthodontics and has received numerous awards for his excellence in the field. He offers a range of orthodontic treatment options, including traditional braces, clear braces, Invisalign, and lingual braces. His comprehensive approach considers not just aesthetics but also function, jaw relationships, airway concerns, and long-term stability.
Convenient MetLife Insurance Processing
As a MetLife provider, we handle all insurance claim submissions on your behalf, making the process hassle-free. Our experienced administrative team can verify your benefits, explain your coverage, and help you maximize your insurance benefits while minimizing out-of-pocket expenses.
Frequently Asked Questions About MetLife Dental PPO Orthodontic Coverage
How do I know if my MetLife plan covers orthodontics?
The MetLife TakeAlong Dental PPO-High plan includes orthodontic coverage for children up to age 19, but coverage varies between different MetLife plans. To confirm your specific coverage, we recommend contacting our office at (720) 764-6158 with your policy information. Our team can verify your benefits and explain exactly what orthodontic services are covered under your plan. Alternatively, you can check your policy details on MetLife’s secure member website or contact MetLife directly using the customer service number on your insurance card.
What is the waiting period for orthodontic treatment with MetLife?
For most MetLife Dental PPO plans that include orthodontic coverage, including the TakeAlong Dental PPO-High plan, there is typically a 12-month waiting period before orthodontic benefits become available. This means you must be enrolled in the plan for 12 consecutive months before your child can begin receiving orthodontic treatment with insurance coverage. However, waiting periods can vary between different plans, so it’s important to verify this information for your specific policy. If you’re planning orthodontic treatment for your child, it’s advisable to enroll in a plan with orthodontic benefits well in advance of when you expect to begin treatment.
Does MetLife cover early orthodontic intervention for young children?
Some MetLife plans may provide coverage for early orthodontic intervention, also known as Phase 1 treatment, which typically occurs between the ages of 7 and 10. This early treatment addresses developing orthodontic issues before all permanent teeth have erupted. Coverage for Phase 1 treatment would generally fall under the same orthodontic benefits as comprehensive treatment, subject to the same coverage percentage and lifetime maximum. At Hardy Pediatric Dentistry & Orthodontics, Dr. Hardy can evaluate your child to determine if early intervention would be beneficial and help you understand how your MetLife coverage would apply to this type of treatment.
If I switch to a different MetLife plan, will my orthodontic coverage be affected?
Switching between MetLife plans could potentially affect your orthodontic coverage, especially if orthodontic treatment is already in progress. Some plans may prorate coverage based on when treatment began, while others might require a new waiting period. If you’re considering changing plans during ongoing orthodontic treatment, it’s important to carefully review how this might impact your benefits. Our office staff can help you understand the potential implications of switching plans and work with you to maximize your insurance benefits regardless of any changes to your coverage.
What options do I have if my MetLife plan doesn’t cover adult orthodontics?
While the MetLife TakeAlong Dental PPO-High plan doesn’t cover adult orthodontics, we offer several options to make treatment more affordable. These include interest-free payment plans, flexible spending account (FSA) or health savings account (HSA) compatibility, and potential discounts for payment in full. Additionally, some employers offer supplemental orthodontic coverage that may include adult treatment. Dr. Hardy can provide a detailed treatment plan with associated costs during your consultation, and our financial coordinator can work with you to explore all available options for making adult orthodontic treatment fit within your budget.
Schedule Your MetLife-Covered Orthodontic Consultation Today
Ready to explore how your MetLife Dental PPO insurance can help you achieve a beautiful, healthy smile for your child? Contact Hardy Pediatric Dentistry & Orthodontics today to schedule a consultation with Dr. T.C. Hardy or Dr. Cierra Randall.
Our team will verify your MetLife benefits prior to your appointment and provide you with a clear understanding of your coverage and any potential out-of-pocket costs. We’ll work with you to create a personalized treatment plan that maximizes your insurance benefits while delivering exceptional orthodontic care.
📍 Visit Us: 3200 Village Vista Dr., Suite 110, Erie, CO 80516
📞 Call: (720) 764-6158
📩 Or Request an Appointment Online Today
DISCLAIMER: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information, please see the insurance company’s website or call the customer service or member services number listed on most insurance ID cards. Updated as of April 2025. The MetLife logo & trademarks are property of MetLife Dental.
