Reliable Dental Coverage for Military Members and Families
In military life, details matter. Your health is no different. With MetLife dental insurance, you get dependable coverage that helps you stay ahead of dental issues without straining your budget. From routine cleanings and exams to crowns and major procedures, these plans give you confidence that you and your family are covered.
How Our Dental Coverage Works
- See Your Options: Enter your information to view dental plans available in your area.
- Explore Plan Levels: Choose what fits your situation—Member Only, Member + Spouse, Member + Children, or Member + Family.
- Start Your Coverage: When you’re ready, give us a call or click Start Your Enrollment to begin online enrollment.
- Add Dependents: Include family members if needed and finish your enrollment.
- Benefits Become Active: Benefits begin on your effective date. You’ll receive full plan details once coverage starts.
Why Choose This Coverage
Comprehensive Coverage: Preventive care is 100% covered to keep small issues from becoming big problems. Plans also include fillings, crowns, and major dental work, so you’re covered for the routine and the unexpected.
Nationwide Network: With thousands of in-network dentists across the U.S., it’s easy to find care wherever you are. If you prefer your current dentist, they may already be in network.
Flexible Options: Select the coverage level that matches your life. Whether you need a plan for yourself, your spouse, or your entire family, there are options for you! Dependents can be covered through age 26.
Affordable Protection: Because these are group options offered through ROA, you receive dependable coverage at a cost that is built to support members and their families.
Why Dental Health Matters
Good dental care plays an important role in your overall health. Ignoring small dental problems can lead to pain, infection, or expensive treatments later. MetLife dental insurance helps members stay proactive with preventive care and provides important coverage for bigger needs when they arise.
Take Charge of Your Health
Service members and veterans understand the value of preparing ahead. This dental coverage helps you do the same for your health, with comprehensive benefits, access to care wherever you live, and flexible plan options for you and your family. Enroll today and start your coverage with confidence.
Contact Information
Address
AMBA
4050 114th Street
Urbandale, IA 50322
Phone
Opening Hours
Monday - Friday 7:30 AM - 5:00 PM CT
Use your current dentist OR Save 25-50% with a dentist in our network. Find a dentist
(note: Select PDP Plus)
In-network savings based on MetLife data. Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for certain services, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. Negotiated fees do not apply to non-covered services in states that prohibit limitations for services not covered under a plan. Participating providers in these states may charge their non-negotiated fees for non-covered services.
Click here to download the full list of exclusions, limitations, and frequency limits.
Dental Insurance is underwritten by Metropolitan Life Insurance Company, New York, NY.
Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. You may be financially responsible for copayments, deductibles, or any other amounts in excess of those MetLife is required to pay for covered services as described in your dental certificate and/or policy. Ask your MetLife representative for costs and complete details.
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This highlight is not a certificate of insurance or a guarantee of coverage. Premium rates may change upon renewal and can be adjusted for the entire group or a specific class. A class is defined in the group policy. Benefits are subject to change upon agreement between the carrier and the participating organization. The policy is renewable at the option of the insured.
Frequently Asked Questions
Who is eligible for dental coverage?
All members of ROA are eligible, whether you are active duty, Guard, Reserve, retired, or a veteran. Plus, coverage comes with options to include your spouse and children up to age 26.
Do I have to change my dentist?
Probably not. Most members can keep their current dentist, thanks to our large national network. However, it would depend if your dentist participates with the network. Our recommendation is to always check!
Can I combine dental and vision coverage?
Yes. You can enroll in both with a single application and enrollment fee.
When does coverage begin?
Your benefits start on the effective date after enrollment and first payment.
Is there a waiting period?
No waiting period for preventive care; you’re covered immediately.
What if I live in a state where the plan isn’t offered?
Dental coverage is available in most states. Just check your eligibility during enrollment to confirm.
Dental policies are not available in all states. These states include, but are not limited to Idaho, Louisiana, Maine, Maryland, Montana, Texas, Washington, Alaska, New Hampshire, Oregon, South Dakota. Availability is subject to state regulations.
Reimbursement percentages are based on the maximum plan allowance charges for services in your geographic area. All services are subject to limitations and exclusions. The master policy is governed by the laws of the state of IL.
NOTICE: Your actual expenses for covered services may exceed the stated coinsurance percentage because actual provider charges may not be used to determine plan and member payment obligations.