Coverage and Benefits

CompBenefits offers a mix of PPO, DHMO, and indemnity plans, depending on your region and employer. Their DHMO plans typically feature copays and fixed fees for procedures, while PPO options allow more flexibility with partial reimbursements.

MetDental, backed by MetLife, offers comprehensive PPO plans that include:

• 100% preventive care (exams, cleanings, X-rays)

• 80% basic care (fillings, extractions)

• 50% major care (crowns, dentures, root canals)

• Optional orthodontics and implants on higher-tier plans

Network and Availability

• CompBenefits is more regionally focused, particularly strong in Florida and the Southeast, but available through select employer groups and associations.

• MetDental (MetLife) offers one of the largest dental PPO networks in the U.S., with access to over 490,000 dental provider locations nationwide.

Cost Comparison

• CompBenefits DHMO plans are generally very affordable, with premiums as low as $10–$25/month, and fixed copays for services.

• MetDental PPO plans typically range from $25–$60/month, depending on coverage level and location. These plans may include deductibles and annual maximums, but offer broader flexibility.

Waiting Periods and Restrictions

• CompBenefits DHMO plans often have no waiting periods and no deductibles. PPO options may include 6–12 month waits for certain services.

• MetDental PPO plans usually have no waiting periods for preventive care, with 6-month waits for basic and 12-month waits for major services, although some employer-sponsored plans waive these.

Ease of Use and Customer Service

• CompBenefits is praised for its simple DHMO structure with no claim forms and transparent copay schedules, though digital tools may be more limited.

• MetDental has a highly-rated online portal and mobile app, allowing for provider search, claims tracking, cost estimates, and ID card access.

Additional Benefits and Perks

• CompBenefits may include vision, hearing, or pharmacy discounts in some bundled plans.

• MetDental frequently offers vision discounts, oral health coaching, wellness rewards, and sometimes includes teledentistry services.

Reputation and Customer Reviews

• CompBenefits has positive reviews for affordability and simplicity, especially among employer groups. However, it may be limited in individual plan options or nationwide availability.

• MetDental (MetLife) is widely recognized for reliability, strong customer service, and broad plan options, especially through workplace benefits.

Suitability and Recommendations

• Choose CompBenefits if you want low-cost DHMO coverage, live in a region where it’s offered (especially Florida), and prefer simple copay-based plans with no waiting.

• Choose MetDental if you value provider flexibility, nationwide PPO access, and comprehensive benefits, especially through employer-sponsored or individual PPO plans.

Conclusion

Both CompBenefits and MetDental offer strong value for different types of dental consumers. CompBenefits shines for affordability and no-wait DHMO plans, while MetDental is ideal for those seeking nationwide access, PPO flexibility, and robust digital support. Your best choice depends on whether you prioritize cost, convenience, or network breadth.