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Dental Insurance

A smiling face is the best medicine.

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While having pearly whites and fresh breath are benefits of a strong overall oral health plan, having healthy teeth can also help you maintain a healthy body.

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How Can You Benefit from Dental Insurance?

As a Texas physician, you’re aware of the correlation between oral health and your total health picture.

TMA Insurance Trust wants to help you achieve optimal health through our competitively priced dental plans, offered exclusively through MetLife. We offer top-quality plans with exclusive premium rates for TMA member physicians and their families. Whether you need single coverage or a plan that covers multiple dependents, we have a plan that can protect the entire family.

  • $50 deductible
  • 100% preventative care in-network
  • Ability to use out-of-network providers
  • Orthodontics coverage

Full Benefits Summary

Coverage and Benefits
Coverage Type In Network Out-of-Network
Type A — cleanings, oral examinations 100% of Negotiated Fee* 100% of R&C Fee**
Type B — fillings 80% of Negotiated Fee* 80% of R&C Fee**
Type C — bridges and dentures 50% of Negotiated Fee* 50% of R&C Fee**
Type D — orthodontia 50% of Negotiated Fee* 50% of R&C Fee**
Deductible*** In Network Out-of-Network
Individual $50 $50
Family $150 $150
Annual Maximum Benefit In Network Out-of-Network
Per Person $1,000 $1,000
Orthodontia Lifetime Maximum In Network Out-of-Network
Per Person $1,000 $1,000
Waiting Period: 12-month Waiting Period for Type C and Orthodontia.

*Negotiated Fee refers to the fees that participating dentists have agreed to accept as payment in full, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

**R&C fee refers to the Reasonable and Customary (R&C) charge, which is based on the lowest of (1) the dentist's actual charge, (2) the dentist's usual charge for the same or similar services, or (3) the charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.

***Applies only to Type B & C Services.

Like most group benefits programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife group representative for costs and complete details. Metropolitan Life Insurance Company, New York, NY L0316460559[exp0517][All States]

Monthly & Quarterly Rates
Coverage Type Monthly Quarterly
Member Only $46.91 $140.73
Member and Spouse $93.55 $280.65
Member and Child(ren) $93.15 $279.45
Member and Family $158.75 $476.25
Search for participating MetLife Dentists
View Full Benefit Summary

Did you know?

18% of children have untreated dental cavities or tooth decay.

The Centers for Disease Control and Prevention estimates 27 percent of adults ages 20-44 have untreated dental cavities or tooth decay. Almost eighteen percent of children ages 5 – 19 have untreated dental cavities or tooth decay. The number one reason cited for not resolving this issue is cost.

27% of adults have untreated dental cavities or tooth decay.

According to the National Institute of Health, periodontal disease is the most common cause of tooth loss among adults. Routine visits to a dentist can help prevent this.

How We Can Help

At TMA Insurance Trust, we want to help you and your family get the dental care you need to ensure optimal overall health.

Speak with one of our trusted advisors today about your family’s specific dental care needs.

A Few Words from Our Customers

“You’ve been a big help and we appreciate your quick access.”

Rory Haynes

“I want to take a moment to tell you how positive this experience has been. I truly appreciate the efficiency, communication and quick response.”

Brenda Magnuson, MD

“Your kindness is appreciated more than you could ever know. You made it so easy. Dr. Mann and I both thank you for your personal caring.”

Phyllis Mann

“You are soooooo good at customer service! Thank you for the quick responses.”

Janice Henderson

Get complete coverage to go with your dental insurance.

TMA Insurance Trust provides comprehensive coverage for all of your personal insurance needs as a Texas physician. Consider exploring these related product types to ensure your coverage portfolio is complete.