Dental Insurance We Accept at Toothology Dental
Toothology is in-network with MetLife, Aetna, Cigna, and Delta Dental — including dozens of employer and federal (FEDVIP) plans under each carrier. Browse every plan we recognize below, or let our team verify your specific benefits before your visit.
- Last updated August 2026
- CareCredit & Cherry Financing also available.
Plus many additional carriers billed out-of-network.
PDP Plus, FEDVIP, employer plans
Individual Advantage, PPO II, FEDVIP
Dental PPO, Radius, UFT
PPO, Premier, Federal
Insurance Shouldn't Be a Guessing Game
Most dental practices only tell you which carriers they accept — not which specific plans. We publish the full list of employer, individual, and federal plans we recognize under each carrier, because “we take MetLife” doesn’t tell you whether your exact plan is included.
Coverage and out-of-pocket cost still depend on your specific plan, deductible, and remaining annual benefits — but you can at least start with a clear answer instead of a phone call.
- The plans listed below are the specific plans we currently recognize under each carrier. This list is a guide, not a guarantee — insurance networks change, and plan names sometimes vary even within the same employer.
- If you don't see your exact plan name, call us or bring your insurance card to your visit — we can usually verify coverage the same day.
Federal Employee? We Accept FEDVIP.
Toothology accepts FEDVIP (Federal Employees Dental and Vision Insurance Program) plans offered through both MetLife and Aetna. Bring your FEDVIP plan details to your visit so our team can verify your specific benefits.
Toothology is in-network with MetLife’s core PPO plans, plus a number of employer-specific plans administered through MetLife — including Morgan Stanley, Cisco, American Airlines, Bank of America, ConocoPhillips, and JPMorgan Chase. MetLife FEDVIP is also accepted.
View all 13 MetLife plans we recognize
- My Dental PPO
- My Dental PPO by Morgan Stanley
- Comprehensive PPO by Cisco
- Basic PPO by American Airlines
- My Dental PPO by Bank of America
- PDP Plus (Preferred Dentist Program)
- Standard PPO PDP Plus
- Participating Dental Network PPO by ConocoPhillips
- Preferred Dentist Program PPO by JPMorgan Chase
- Comprehensive PPO PDP Plus
- Federal Dental (FEDVIP)
- PDP
Toothology is in-network with Aetna’s PPO and PPO II networks, plus employer-specific plans administered through Aetna — including Sysco Corporation and Verizon. Aetna FEDVIP is also accepted.
View all 17 Aetna plans we recognize
- Individual Advantage PPO Plus Plan
- Dental EPP with PPO II Network
- Dental PPO/PDN
- Dental PPO/PDN with PPO II Network
- HealthFund / DentalFund
- Direct Preferred PPO
- Affordable Health Choices
- Dental PPO Max Plan
- Dental PPO Plan for Federal Employees
- Participating Dental Network PPO by Sysco Corporation
- Participating Dental Network PPO by Verizon
- HealthFund / DentalFund with PPO II Network
- Individual Advantage℠ Dental PPO
- Dental PPO Plan
- Dental PPO 50 (High Option)
- Direct Core PPO
- Dental PPO Network
Toothology is in-network with Cigna’s Dental PPO and Radius Network plans, plus employer-specific plans — including the United Federation of Teachers (UFT), AT&T, and Progressive.
View all 16 Cigna plans we recognize
- United Federation of Teachers (Scheduled Benefit Plan)
- PPO by AT&T
- Dental PPO (Core Network)
- PPO by Progressive
- Dental Preventive (PPO)
- Dental PPO: Radius Network
- Dental PPO: Advantage Dentists
- Dental EPO: Radius Network
- One Preventative Plus
- Complete Dental
- One Dental Loyalty Plus
- Dental Access
- Dental Preventative Value (PPO)
- HD AdvantagePlus
- PPO
Toothology is in-network with Delta Dental’s core PPO, Premier, and Federal plans.
View all 3 Delta Dental plans we recognize
- Delta Dental PPO
- Delta Dental Premier
- Delta Dental Federal
Out-of-Network Insurance
We also bill out-of-network for a number of additional dental insurance carriers. Out-of-network reimbursement varies significantly by plan — we recommend contacting your insurer to understand your specific out-of-network benefits before your visit.
Understanding Your Dental Benefits
A few terms that affect what you’ll actually pay, explained plainly.
Deductible
The amount you pay out-of-pocket before your insurance starts covering costs, usually reset once per year.
Annual Maximum
The total amount your plan will pay toward dental care each year. Once you hit it, you cover remaining costs until it resets.
Waiting Period
Some plans delay coverage for major services (crowns, root canals, implants) by 6–12 months after enrollment. Preventive care is usually covered from day one.
In-Network vs. Out-of-Network
In-network means we’ve negotiated rates directly with your carrier. Out-of-network care is still billable, but reimbursement varies by plan.
Don't Have Dental Insurance?
We treat self-pay patients every day. See typical fee ranges on our pricing page, or ask about CareCredit and Cherry financing for larger treatments.
Frequently Asked Questions About Dental Insurance
What dental insurance does Toothology accept?
Toothology is in-network with MetLife, Aetna, Cigna, and Delta Dental PPO plans, including many employer-specific and federal (FEDVIP) plans under each carrier. We also bill out-of-network for a number of additional carriers. Coverage and out-of-pocket cost depend on your specific plan, deductible, and remaining annual benefits.
Does Aetna cover Invisalign at Toothology?
Some Aetna plans include an orthodontic benefit that can contribute toward Invisalign treatment, though coverage varies by plan and is often subject to lifetime maximums. Our team verifies your specific Aetna benefits before treatment begins so you know your exact out-of-pocket cost.
Does MetLife cover dental implants?
Many MetLife PPO plans provide partial coverage for dental implants under major or restorative services, though coverage percentage, waiting periods, and annual maximums vary by plan. We verify your specific MetLife benefits and provide a written estimate before treatment.
Does Cigna cover veneers or cosmetic dentistry?
Veneers and most cosmetic dentistry are generally considered elective and typically not covered by Cigna or most dental insurance plans. Some Cigna plans may offer partial coverage in specific medically necessary cases. We recommend financing options such as CareCredit or Cherry for cosmetic treatments.
Does Delta Dental cover root canals or crowns?
Most Delta Dental PPO, Premier, and Federal plans provide partial coverage for root canals and crowns under restorative or major services, typically in the 50–80% range depending on your specific plan and remaining annual maximum.
What is FEDVIP and does Toothology accept it?
FEDVIP (Federal Employees Dental and Vision Insurance Program) is dental coverage available to federal employees, retirees, and their families. Toothology accepts FEDVIP dental plans offered through MetLife and Aetna. Bring your FEDVIP plan details to your visit so our team can verify your specific benefits.
Do you accept out-of-network dental insurance?
Yes, we bill out-of-network for a number of additional carriers beyond our in-network plans. Out-of-network reimbursement varies significantly by plan, so we recommend contacting your insurer directly to understand your out-of-network benefits before your visit.
What is a dental insurance deductible and annual maximum?
A deductible is the amount you pay out-of-pocket before your insurance begins covering costs, typically applied once per year. An annual maximum is the total amount your plan will pay toward dental care in a given year — once you reach it, you’re responsible for remaining costs until the plan resets. Both vary significantly by plan.
How do I verify my dental insurance coverage before my visit?
Call our office or provide your insurance information when booking online, and our team will verify your specific plan benefits, deductible, and remaining annual maximum before your appointment. You’ll receive a written estimate of your expected out-of-pocket cost before any treatment begins.
Why do dental insurance plans have waiting periods?
Some dental plans apply a waiting period, often 6–12 months, before covering major services like crowns, root canals, or implants — this discourages patients from enrolling only once treatment is already needed. Preventive care like cleanings and exams is usually covered from day one. Waiting periods vary by plan and by carrier.
Let's Verify Your Coverage
Call our Williamsburg office or book online with your insurance details, and our team will confirm your specific benefits, deductible, and annual maximum before your visit — with a written estimate before any treatment begins.