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Terms and conditions apply. Based on internal analysis by MetLife. Negotiated fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefit maximums. Negotiated fees are subject to change. Dental Insurance: As A Metlife Member, Take Advantage Of Negotiated Fees, Save 30 - 45% Compared To The Average