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Metlife Dental Insurance
Overall Satisfaction Rating
1.30/5
  • 5 stars
    1
  • 4 stars
    5
  • 3 stars
    4
  • 2 stars
    3
  • 1 stars
    86
Based on 99 ratings submitted in the last year
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Metlife Dental Insurance

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99 Metlife Dental Insurance Consumer Reviews and Complaints

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Rated with 1 star
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Verified Reviewer
Original review: May 20, 2019

I got this insurance through the Veterans Affairs dental program and I have been paying 66$ a month for the higher coverage plan. They are supposed to cover 50% of my major and it's a LIE!!! LIES LIES LIES LIES! They only covered 35% because the tooth I got a root canal on was a molar and other people couldn't see it so it doesn't matter. Please tell me what logic is that. Why is a tooth in the back of my mouth any less important than a tooth in the front of my mouth! I wish I could cuss in this review because the words spewing from my mouth would show just how fed up I am with this. I have been paying 66$ a MONTH! And they aren't covering bull. They straight up LIE to you! DO NOT PURCHASE ANYTHING THROUGH THEM!!!

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Rated with 1 star
Verified Reviewer
Original review: May 9, 2019

Several years ago our daughter had braces. MetLife paid the orthodontist too much. For years they've been working to get the $1,250 back from the doctor. We've gotten a couple letters through the years that say, "This notice is for your information only." It should be an issue between MetLife and the orthodontist. Today I get a call from my dentist saying that MetLife is denying my most recent dental cleaning because they aren't getting their money back from another provider. Not only are they making me pay out of pocket for service that is 100% covered under the policy we've been paying for since 2010, but they are also punishing my dentist for something another office is doing. Call MetLife, they admitted they paid out the wrong amount, but as the policyholder, I am on the hook to pay them back. They will do that by holding the insurance we pay for hostage until they get money back from THEIR mistake. Cannot wait for the end of the year to switch coverage.

6 people found this review helpful
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Rated with 1 star
Verified Reviewer
Original review: April 29, 2019

This company did not pay one dime towards a bill for over $600 on four sealants and a specialized xray that my daughter needed for problems with her canine teeth. Ridiculous to pay the amount we have to pay for insurance and then say none of these services are covered. I would not recommend Metlife Dental coverage at all.

4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 24, 2019

After reading all those complaints, has anyone done anything legally to hold them accountable? Same thing, had work done twice, Dentist sent forms, didn't get paid. He & I sent them again. ML claims they did not receive the claims and by the way the insurance you've been paying you don't have an account since 2016. I asked where's my money & acct? Who's sending me statements? I got my insurance through my job. A Surgical facility, so if they can cheat medical staff, they can & have cheated others. I have proof from 2 banks, Metlife received 7 checks from me, cashed them and said my acct is no longer there. The banks have also done a search on each check and I'm forwarding this to Metlife. I also wrote to the CEO of this department, don't really expect to hear from him, he's been discharged from his job.

3 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 6, 2019

Dentist said I need several crowns due to large fillings putting pressure on tooth structure and nerve. Probably will have to have root canal if I don't have the excessive loss of tooth structure replaced with crowns. Metlife will not cover so glad I dentist to send in x-rays and medical justification, but they denied. IBM should not use Metlife for their insurance options to retirees and eligible dependents since it is a waste of money.

10 people found this review helpful
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Rated with 1 star
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Verified Reviewer
Original review: April 6, 2019

This insurance is a scam. We bought it through FEDVIP for retired military members, and have been wasting money on it. First of all, they do not approve claims and constantly deny it saying the claim wasn't filed correctly. So far, we've been paying $50 a months, had cleanings, x ray and 1 crown placed, and the insurance only covered $34 out of $1600 of dental work! They keep saying that the claim is not filed correctly, but my dentist has been in business for decades and they file everything right. Metlife is a scam! You better off without dental insurance and simply pay out of pocket, it will be way cheaper. I can't wait till November to finally cancel this scam insurance!

8 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: March 20, 2019

Signed up -- autopay through a credit card. Thought all was good. A whole year without a claim. Moved to a new home, went to change my address. Couldn't log in -- so I called to see why. I was told my premium was canceled for non-payment. I said that made no sense. Guy told me that they were unable to charge my card so they canceled. I asked why I wasn't notified? He said they are under no obligation to do so. Really?

So I asked for a supervisor. She was very rude and said that I had requested NO CONTACT regarding my policy! I said that made no sense. She told me she could sign me up for a new policy, but it wouldn't cover the dental work I needed. I paid for a full year! But, because THEY hadn't notified me of an issue --I lost all of the premiums. Needless to say -- getting a new company. But, of course I lost a year's worth of premiums due to their lack of follow up -- and need to pay for my dental work for now. BTW -- I have no idea why they couldn't charge my card. Card is good... Always was.

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9 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: March 18, 2019

MetLife requests additional details from my dentist, then denies the claim. They regularly do this to avoid paying for your services. I will cancel this so called insurance at the end of the year and will simply pay out of pocket for dental service because it would be cheaper anyways than paying MetLife and then pray that they accept the claim!

11 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 13, 2019

I had a dispute with a preferred provider dentist. My EOB's gave me the total I was responsible for. The dentist disagreed. Their EOB is different. It doesn't include the patient responsibility. They just figure tack it on anyways. The dentist agreed I was paid up. 6 months later he now wants to renegotiate. Insurance company doesn't care.

8 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Feb. 8, 2019

Metlife Dental uses my SSN for doing business and refuses to provide an alternate ID number. Metlife claims in their website to use a unique ID # and not SSN but that is not true. I am initiating an investigation against Metlife for such practice.

22 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Feb. 6, 2019

As a World War II Veteran, I was pleased to learn that I could get dental coverage through VADIP. I am 93 years old, my dentures are almost 7 years old. They do not fit due to bone loss (because of age). Metlife requires 10 years before dentures can be replaced. In 10 years Metlife will receive $8,333 from one high end policy like mine ($833 annual premium). Just 2 years of premiums will recover their payout for my dental service. Isn't insurance supposed to pool the money from premiums to cover claims of the participants?

I sure don't think a Vet (or anyone else) should have to pay $8K to receive a $1500 benefit. Our Veterans, including myself, have once again been cheated by those supposedly serving the ones who have served our country. Another incidence of preying on the elderly and veterans for gain. The on-line summary of exclusions and limitations made NO mention of the 10 year requirement. Of Course, that would have reduced the number of vets who would choose to sign up. You have to wait to receive the policy in the mail, then surprise!

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21 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 22, 2019

New to MetLife Dental, My wife and I submitted 4 claims so far, all rejected and requested additional details. Claim they sent checks, never received, requires to wait a month before they can reissue a new check then wait the 3 weeks for processing. 2 months 2 checks received. Additional information from my dentist sent, they claim never received and requested information again. This has to be a cash flow problem, hope they go out of business. Can't wait for my year to end.

17 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Jan. 19, 2019

They have no billing options except auto payments through a credit card. You can't even log onto your account online and make a payment. There is no paper mail bill, no email, and the only way you've notified a payment didn't process is their cancelation notice, which comes after the fact. What a garbage company!

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 16, 2019

The lengths MetLife goes through to deny claims are epic. I recently had bone graft surgery. The first time around, they refused to pay anything at all. I appealed, and the second time around MetLife covered everything EXCEPT THE ACTUAL BONE USED IN THE GRAFT. They are claiming the bone wasn't necessary. WTF??? They covered all other aspects of the surgery. Now they want ANOTHER appeal form detailing why bone was used in a bone graft. Incredible.

19 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 3, 2019

Once again, I am having problems with a claim from Metlife. I finally "wised up" and did not renew for the coming year. As I read another person's review, Metlife Dental Insurance is a scam. I could go into all the horror stories but just won't take the time. Metlife will pay for teeth cleaning - but that is about it. I had major gum surgery and they are disputing paying anything. My periodontist has sent in so much information... And yet they say they need more. Not worth the time and headaches.

18 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Jan. 2, 2019

When the dental office call them to confirm, they were told by MetLife that it was covered up to 50% of the cost. After the work was done, they denied the claim. Their excuse was that dentures was the alternative treatment and implants are not the recommended treatment. How will one tooth hold missing three teeth with dentures??? MetLife didn't pay a single penny toward the cost of the two implants and three implants were recommend. Resubmitted the claim again with the surgeon's recommendation that dentures is not the treatment and they denied the claim again. MetLife Dental Insurance is a scam and will not pay for anything except the basic cleaning.

16 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Dec. 29, 2018

Contacted Metlife Dental before procedure was performed to see if it was covered. Was told yes. Claim was denied. Contacted Customer Service. They claimed it would be resubmitted. Contacted them again, nothing was done. Customer rep was rude and condescending. Tried to avoid the runaround but it happened. Very frustrating. Now I know why some dental offices that take insurance do not accept Metlife.

12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 1, 2018

My dentist said I needed a night guard due to my teeth grinding. If I didn’t get it, I would need painful and expensive surgery down the road. My dentist checked with MetLife for coverage, and they said it was coverage. I had the night guard made and all was fine... NOT!!! Once the bill was submitted, MetLife retracted their agreement to pay and declined. The dentist and myself both fought it, but MetLife would not budge! I had to pay it all out of pocket, over $500. Thanks MetLife, guess I won’t be eating much in the coming months. “DON’T GET MET, IT DOESN’T PAY!!!”

21 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Nov. 28, 2018

HORRIBLE! I was misled prior to signing up. I was told by its Representative that for major work there is a 12 month waiting period. I asked if a crown is considered major work. The answer was yes. My dentist was in the network. I waited the 12 month period for a crown. But when I submitted my claim for reimbursement. It was denied with the excuse that the extraction occurred prior to enrolling. During the question/answer with the Representative, I was NEVER told about that the EXCEPTION for major work coverage was a PRE-EXISTENT CLAUSE. Every time I called, every customer service gave me a different answer about the same question. I ended up paying every month Metlife Dental high premium and my crown.

15 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Oct. 20, 2018

Been covered under MetLife since 2016. The premium for me averages $300 a year. Finally needed some work done last summer. In as few words as possible: most of the work had to come out of my pocket for a filling, root canal, caps, X-rays etc. MetLife even sent a nasty letter saying that the remaining tooth structure did not qualify for treatment at this time. I suppose they wanted me to do nothing until the tooth needs to be replaced with an implant so that MetLife can send me another letter saying that my implant falls under a cosmetic category and will not be covered at all? Will be terminating this garbage insurance ASAP.

29 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Aug. 29, 2018

After hours of my dentist talking with 2 CSR back on 4/13/17 going over ALL MY PROCEDURES IN "ENGLISH" what would be covered & not. Now over a year later, Oh BOTH CSR gave us the SAME wrong information. Yah, we took your money for years but TOO BAD TOO SAD!!

34 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Aug. 22, 2018

We chose Metlife Dental Coverage (I do not call it Insurance) since she needed more than just preventive dental work. We have been paying monthly premiums for 18 months now. Her preventive checkup was covered. Her other dental work (that required a 12 month grace period to be covered) is turning into a giant project just to try and get her claims noticed. Although the claim info have been sent in multiple times, each time we call in to check on progress we get a new person, who tells us a different fax number to send the claim info to. I do not recommend Metlife as a Dental Prepayment Plan. I think it is a scam.

31 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 10, 2018

My husband retired over 25 years ago. Shortly after his retirement, I contacted Metlife to find out if his dental coverage would continue through retirement. I was told that coverage ended when he left his job. Never heard another word from Metlife. Last year we received enrollment cards with a letter saying some new thing was being started and here are our cards. I called Metlife and was told that we have had coverage all along and it was too bad that we didn't know it. I was told "No one would tell you that you didn't have coverage."

After going back and forth, I was told that only the last 15 months of bills would be considered and that no exceptions could be made. The next time I called to check on progress of the few bills that were submitted, I was told there was no record of our coverage... which couldn't happen of course. Called back, this time insisting that we had coverage, the person finally found us. Each time, I gave all of the numbers on our enrollment cards. We are on a fixed income and my husband had a total of about $7000 of dental work done in the last 3 or 4 years. Would have been great to know we had insurance.

It is obvious that we didn't know that we had coverage. Over the years we have had numerous large expenses for dental work. It would have been great to get even a small portion paid. Since discovering out situation, I would think that Metlife would at least extend the qualifying period. Doesn't seem that's possible. What a great way to MAKE money off the patients - Just deny they have coverage.

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34 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: June 30, 2018

They don't seem to pay too much toward any type of Dental work... to me that just doesn't warrant even having dental insurance and paying a monthly premium if they don't hardly pay for anything. I could just save the monthly premium and just pay the dentist myself. I've had Metlife Dental for 3.5 years, and this year is the first time I've used the insurance for dental work I needed... this is includes cleaning, xray, 3 fillings, and a partial. Out of my total bills from the Dentist for everything I think Metlife paid about 20%. That is not acceptable at all. I feel completely ripped off. Needless to say, I'll be canceling my dental insurance with Metlife.

30 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 24, 2018

I have been in a very high depressed time with MetLife Customer Service. Every time I call them is always different person or agent and they provide a very unprofessional information and help. I have a problem with a dentist who reported a job he never did. MetLife sent me a letter to fill it out. I spent lot of time and effort but I finally did it. Months after they said they have not get anything from me and I have to do all over again. Also they accused me to sign some paper agreeing the bad dentist did a good job, I told me that is a LIE.

They promised they were going to fix that problem, but they do the opposite, they always say they understand my stressful situation and they feel sorry for that. But that's it. I feel this humiliated and also bullied. All dental insurance are like MetLife? I hope I can find another one which really do their job and do not cheat customers. Yes, I am very angry and disappointed with this horrible MetLife.

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22 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 17, 2018

The only reason I went with MetLife in the first place was because it was offered through an employee plan. What a disaster it's been ever since. MetLife is one of the most fraudulent insurance companies I've ever had the displeasure of having to deal with. They constantly found every loophole in the book to deny every large claim I ever made. When I tried to get implants, they denied my claim because they said the extractions had not been done while I was a MetLife customers. It was a lie. Then I was forced to have to prove the extractions were done by the previous dentist who only promised they would provide proof that the extractions were done under MetLife coverage. But they lied too, and I never was given the proof I needed to get MetLife to pay for the work I had done.

When I informed MetLife what the dentist was doing and that they had ignored letters from my attorney to provide proof of services rendered, I reported the problem to MetLife who said they'd look into the matter. Did they do anything to fix the problem? Afraid NOT! Even the Better Business Bureau and the California Dental Board failed to help after a year and a half. Bottom line: MetLife, the BBB, the Dental Board, and the dentists all turned out to be crooks of the highest order, particularly considering they all claim to be public servants. And I'm out over $5,000 in insurance claim money over more than three years, not to mention all the premium payments made to these lying MetLife crooks over a ten-year period.

Sad to say, at least criminals know what they're doing is wrong, but these scumbags all think of themselves as doing good. But what a surprise they'll have someday when they expect to be rewarded for their service to their fellow human beings and find out there'll be Hell to pay instead. In the end, it's better to find a dentist who admits all these companies affiliated with. This monster of an insurance game are crooks in cahoots with one another and will work with you to pay for their services without giving another dime to these rip-off artists.

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29 people found this review helpful
Rated with 1 star
Verified Reviewer Verified Buyer
Original review: April 16, 2018

I had the surgeon to remove a broken tooth and do gum surgery, implants for the broken bridge and they did not pay. The rules say if it is a replacement prosthesis. It replaced a broken bridge. I have yet to hear of the claims after the denial to the dentist and surgeon. My benefits sites says processed and denied. I am taking small claims court. Please someone tell me the name of the insurance representative for the North Carolina Charlotte area so I can complete the court forms. It will give me justice to do it if I don't get a dime.

37 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 29, 2018

October of this past year, I had MetLife Dental insurance through my temp agency. I started my permanent position Oct. 2nd. I needed a root canal badly. I called the benefits department of my temp agency who told me I was covered until the Friday after I started permanent, which would be Oct. 6th. All went well at my appointment Oct. 5th until January, when all of a sudden MetLife or my temp agency, whichever one, decided to backdate my coverage until 09/30/2017, making me non-covered on my DOS. 3 months later! I feel completely lied to, and not only that, I now have to pay for it. MetLife even told my dentist that I was covered on that DOS. Seriously, 3 months after the fact you just magically changed your mind and got stingy over paying $330 dollars for my root canal? I feel so lied to. And financially, this hit me really hard. HORRIBLE!!!

31 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 19, 2018

Wanted dental implants. Surgeon sent pretreatment request and it was approved that they would pay the 50%. They would cover $1893.00. Had the treatment a week later and they denied it leaving me to pay the additional $1893.00. Called right away and was told they didn't know why it was denied and would resubmit right away. Not taken care of and had to call again. It was explained to me that because I had dentures 9 years ago that they would not cover implants. It is only covered every 10 years. I ask, "Why didn't you state that on pretreatment request". "Oh, we don't check the frequency of items on pretreatment requests". "Why would you not do that. If it determines your coverage, why don't you check it. It makes the pretreatment quote totally useless". Their answer, protocol.

What genius makes that protocol, making it useless and putting their clients in a terrible position like that. Do they enjoy screwing people over and making them pay more. I COULD HAVE WAITED THE YEAR TO HAVE THE PROCEDURE DONE IF THEY HAD PROVIDED ME CORRECT INFORMATION. No help at all. You can file a dispute. That does nothing. That will take forever and they will just deny it anyway because their ridiculous protocol was followed. Now I have to pay another $2000.00 to the surgeon who has already sent a new bill. Thanks MetLife. No common sense, complete incompetence. Will contact a health advocate and my employer to put in a formal complaint against your company. Maybe if you lose my company's business if more of us complain. You'll think twice.

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37 people found this review helpful
Rated with 1 star
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Verified Reviewer Verified Buyer
Original review: March 15, 2018

I have had MetLife Dental Insurance for the last 3 yrs. They say that they pay a certain percentage, but then they take the bill, cut the amount in half and pay whatever the percentage is on the half. So basically they pay almost nothing, if they decide to pay anything at all. I have had the majority of my claims denied because they don't have enough info, (dates that the original work was done, which was like 20 yrs ago). Who can list the dates that they have had each filling put in, really. This insurance is a joke! And I am sorry that I spent money on it instead of just giving it directly to the dentist, which would have been cheaper in the long run.

25 people found this review helpful
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Metlife Dental Insurance expert review by Cyril Tuohy

MetLife is one of the largest global providers of insurance products, employee benefit programs and annuities. Based in New York,  the company provides dental coverage to over 20 million people.

  • A global brand: MetLife is one of the most recognized and long-lasting names in the insurance industry.

  • Great employee plans: MetLife is focused on providing group dental insurance to companies with thousands of employees in the U.S. or abroad.

  • TRICARE Dental Program: MetLife manages this program for members of active duty uniformed personnel and members of the National Guard, the U.S. Army Reserves and their families.

  • FEDVIP: MetLife manages the federal employees dental and vision insurance program.

  • Plenty of information: To keep clients informed, MetLife offers educational resources like the MetLife Oral Health Library on its website.

  • Best for: Any individual or family working for a large or midsize public or private employer with a group dental plan insured through MetLife.

Profile picture of Cyril Tuohy
Cyril Tuohy Insurance Contributing Editor

Cyril Tuohy, has covered the insurance industry for more than 15 years. He is an expert at writing about personal and commercial property-casualty insurance and covers life, annuities and retirement as a staff writer for a top insurance trade magazine aimed at insurance agents and financial advisors.

Metlife Dental Insurance Company Information

Company Name:
Metlife Dental Insurance
Website:
www.metlife.com
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