6150 W. Higgins Ave Chicago, IL 60630
MetLife Dentist in Chicago, IL
Most people don't realize how much their MetLife benefits are actually worth until they see the numbers at checkout — and at Smile Era Dental, those numbers tend to look a lot friendlier than expected. Because we're in-network with MetLife, you're getting care at contracted rates, which means your plan stretches further here than it would at an out-of-network office.
When you come in, our front desk team pulls up your MetLife benefits before your appointment so you're not guessing what anything costs. Dr. Josh Philip and Dr. Soumya Thomas are both focused on making sure your care plan fits what your insurance actually covers — and they'll walk you through anything that needs a conversation before treatment starts.
We're located at 6150 W Higgins Ave on the northwest side of Chicago, and our hours are built to work around real schedules — including early morning appointments and Saturdays. If you're ready to use your MetLife benefits, we'd love to have you in.
What Does Your MetLife PPO Cover at Our Office?
MetLife PPO plans are typically structured around three tiers of care. Preventive services — things like cleanings, exams, and X-rays — are usually covered at or near 100%, especially when you're seeing an in-network provider. That's your plan working exactly the way it's supposed to, and it's a great reason to stay current with your twice-yearly visits.
Basic restorative work, like fillings, tends to be covered at around 70 to 80 percent after your deductible. Major services — crowns, root canals, bridges, and similar procedures — are typically covered at a lower percentage, often around 50 percent, and they count toward your annual maximum. Most MetLife plans come with an annual maximum somewhere in the range of $1,000 to $2,000, though that varies by plan. Once you hit that ceiling, out-of-pocket costs go up, so timing larger procedures strategically can make a real difference. Every plan is a little different, so we always recommend calling MetLife or letting our team verify your specific benefits before your first appointment — that way there are no surprises.
Smile Era Dental Is an In-Network MetLife Provider
Being in-network with MetLife means we have a direct contract with them, and that contract sets the rates we charge for covered services. You don't pay full price — you pay the negotiated rate your plan has already secured for you. That's a meaningful difference, especially for anything beyond a routine cleaning.
If you've ever used insurance at an out-of-network office, you know the math can get complicated fast. Here, it's simpler. Your plan pays its share, you pay yours, and both amounts are based on the contracted fee schedule MetLife and our office have agreed on. Less guesswork, lower costs, and your annual maximum goes further.
Why Chicago Patients Choose Smile Era Dental
Dr. Josh Philip and Dr. Soumya Thomas run a practice where you're never handed off to a stranger or rushed through an appointment. They take the time to explain what they're seeing, what they're recommending, and why — and if something feels like a bigger investment, they'll talk through the timing and your options before you commit to anything.
Smile Era Dental has built a reputation in Chicago's northwest side as a place where people actually feel at ease. Patients come in nervous and leave with a plan they understand and feel good about. The team is genuinely friendly — not front-desk-script friendly, but actually warm. If you want to get started or just ask a few questions first, give us a call at (773) 594-0655. We're always happy to talk it through.
Ready to use your MetLife benefits at Smile Era Dental? Call us at (773) 594-0655 or book your appointment online — we're welcoming new patients right now.
Call us: (773) 594-0655
Frequently Asked Questions
Yes — Smile Era Dental in Chicago is in-network with MetLife. That means Dr. Josh Philip and Dr. Soumya Thomas have agreed to MetLife’s contracted rates, so you’re not paying random out-of-pocket prices. If you want to confirm your specific plan is accepted before your visit, just call us at (773) 594-0655 and we’ll check it for you quickly.
It means you pay less. When a dentist is in-network, they’ve agreed to discounted rates with MetLife. So instead of paying the full fee for a service, MetLife covers their share and you pay a smaller portion. Going out-of-network usually means higher bills because the dentist hasn’t agreed to those rates. Staying in-network with us keeps your costs predictable.
Most MetLife plans cover preventive care — like cleanings, exams, and X-rays — at a high rate, sometimes fully. Basic services like fillings are usually covered at a partial rate, and major work like crowns or root canals typically have a lower coverage rate. Your exact benefits depend on your specific plan. Call us and we can help you look into what yours includes.
Almost always, yes. At Smile Era Dental, being in-network with MetLife means you benefit from pre-negotiated rates. You’re not getting billed at full price and left to fight with your insurance later. The savings add up, especially if you’re coming in for more than just a cleaning. It’s one of the simplest ways to make your dental care more affordable.
Yes, we’re actively welcoming new patients. Dr. Josh Philip and Dr. Soumya Thomas have availability, and we’d love to get you set up. If you have MetLife, you’re already in a great spot — we’ll work with your benefits from day one. Give us a call at (773) 594-0655 and we’ll get your information together before your first visit.
The easiest way is to call us at (773) 594-0655. Our team will grab your insurance info, answer any questions you have, and find a time that works for you. If you want to share your MetLife plan details ahead of time, we can do a quick benefits check so there are no surprises when you come in. We’ll make it straightforward.