MetLife and Aetna participate in multiple shared network relationships through third-party administrators. These arrangements can affect how dental practices are paid, particularly when a practice holds a direct contract with one carrier and not the other.
This page explains how MetLife–Aetna shared network arrangements typically work, when they apply, and what practices should monitor to avoid unintended reimbursement changes.
How MetLife–Aetna Shared Network Relationships Work
MetLife and Aetna do not always contract directly with one another. Instead, shared network access often occurs through third-party administrators (TPAs) such as:
Carrington
Connection Dental
Dental Health Alliance (DHA)
When a shared network is in place, one carrier may pay under the fee schedule of another carrier or administrator, depending on how the practice is contracted.
When the Agreement Applies
A MetLife–Aetna shared network path typically applies only when:
The practice has a direct contract with one carrier, and
The practice is out of network with the other carrier
If the practice holds direct contracts with both MetLife and Aetna, shared network agreements generally do not apply.
Common Risk Scenarios
Practices should pay close attention when:
Aetna or MetLife is already being received through a shared network
A new agreement introduces a lower-paying path
Multiple shared network agreements exist simultaneously
In these cases, carriers may choose the lowest-paying available fee schedule unless an opt-out is in place.
Summary
MetLife–Aetna shared network arrangements can affect reimbursement depending on existing contracts and third-party paths. Practices should review fee schedules carefully and submit opt-outs when a shared network would result in a downgrade.
