MetLife Orthodontist in Encinitas, CA
We accept MetLife — and handle all the paperwork for you.
MetLife carries some of the highest orthodontic lifetime maximums we see — typically $1,000 to $5,000 — and roughly four out of five MetLife plans we check include an adult benefit. We verify your exact benefit before your appointment at our Encinitas office. Your consultation is free and includes a 3D CBCT scan, a digital scan of your teeth, and a face-to-face evaluation with Dr. Liatti.
How MetLife orthodontic coverage works.
If your employer offers dental benefits, there's a good chance MetLife is one of the carriers they offer — and most MetLife plans include a separate orthodontic benefit for braces and Invisalign, kept separate from your routine dental coverage.
Most people don't realize their dental insurance has two separate benefit pools. Your dental benefit covers routine care — cleanings, fillings, crowns — and resets every year. Your orthodontic benefit is completely separate: a one-time lifetime maximum available for one course of orthodontic treatment, regardless of how long it takes. Using one has no effect on the other.
Based on benefits we've confirmed for patients at our office, MetLife orthodontic lifetime maximums typically fall in the range of $1,000 to $5,000, with most plans landing around $2,000. Coverage percentages range from 50% to 80%, with 50% being the most common. Your specific benefit depends on the plan your employer selected — which is why we check your exact coverage before your appointment.
What we typically see with MetLife:
- ✓ Separate orthodontic benefit (doesn't touch your dental max)
- ✓ Lifetime maximum — full amount available from day one
- ✓ Covers braces and Invisalign equally
- ✓ No referral required
- ✓ Most plans include adult orthodontic coverage
- ✓ Preauthorization not required
- ✓ Rarely a waiting period for orthodontics
Based on benefits reviewed at our office. Your plan may differ. We confirm your exact benefits at no cost before your consultation.
Insurance is complicated. That's our problem, not yours.
We confirm your benefits before your visit.
Share your MetLife member ID and group number when you schedule — you'll find both on your ID card, the MetLife member portal, or your benefits enrollment paperwork. Our team calls MetLife directly to confirm your orthodontic benefit so everything's ready for your visit.
We show you the math before you start.
Before treatment begins, our treatment coordinator walks you through exactly what MetLife covers, your remaining balance, and your monthly payment with our interest-free plan. If both parents carry orthodontic benefits, we coordinate both and factor them in.
We file every claim on your behalf.
From the first claim to the last, we handle all paperwork with MetLife throughout treatment. MetLife typically pays in installments; we track every payment as it arrives and apply it to your account. You never submit a form or chase a reimbursement.
Your benefit applies to any treatment Dr. Liatti recommends.
The specific treatment depends on what your evaluation reveals — Invisalign, braces, early treatment, or palatal expansion. Your MetLife orthodontic benefit applies the same way regardless of which option is right for your case.
Flexible payment plans — with or without insurance.
Your MetLife benefit reduces your out-of-pocket cost, and our interest-free payment plans cover the rest. We spread your remaining balance over the course of treatment with 0% interest — no third-party financing, no credit checks, no hidden fees.
Many families layer multiple tools to bring their cost down further: MetLife benefit + HSA or FSA pre-tax dollars + our interest-free plan. We help you see how all the pieces fit together before you decide anything.
Treatment cost ranges
Your MetLife benefit is applied toward these costs. Remaining balance covered by interest-free payment plan.
Estimate your monthly payment →Serving North County San Diego & beyond.
Encinitas Orthodontics is located at 317 N El Camino Real, Suite 203, in Encinitas, CA — serving families from across North County San Diego and the greater San Diego area who are looking for MetLife orthodontic coverage.
Patients visit from Encinitas, Carlsbad, Del Mar, Solana Beach, Rancho Santa Fe, San Marcos, and Oceanside.
MetLife and Orthodontic Treatment
How much does MetLife pay toward orthodontic treatment?
Based on benefits we’ve confirmed for patients at our office, MetLife orthodontic lifetime maximums typically fall between $1,000 and $5,000, with most plans landing around $2,000. Coverage percentages range from 50% to 80%, with 50% being the most common. Your specific benefit depends on your employer’s plan — which is why we confirm the exact amount before your consultation.
Does MetLife cover orthodontics for adults?
Many MetLife plans include orthodontic coverage for adults. Based on benefits we’ve reviewed at our office, roughly four out of five MetLife plans include an adult orthodontic benefit. Coverage specifics vary by plan and employer. If your plan includes adult coverage, it works the same way as it does for children — a lifetime maximum applied toward braces or Invisalign. We check whether your plan includes adult coverage when we review your benefits before your appointment.
How do I find out what my MetLife orthodontic benefit is?
The easiest way is to let us do it for you. When you request a consultation, share your MetLife member ID and group number, and our team calls MetLife directly to verify your orthodontic benefit. You can find your member ID and group number on your MetLife ID card, through the MetLife member portal or mobile app, or on your benefits enrollment paperwork from your employer. We’ll have your coverage details ready before your first visit.
More benefit questions — how coinsurance works, using both parents' plans, HSA and FSA dollars, what happens if you change jobs — are answered on our insurance and payment page.