A.S.
We love Dr. C at Foothills (just there yesterday!) We have Metlife and they are 'out of network' for us too. However, they charge the same rates as an in network provider and therefor get reimbursed at rates making ino out of pocket payment for us. We never get charged for routine cleanings, x-rays, floride treatments, etc.
I've personally found that the 'in network' providers for Metlife to be sub par. HTH.