Metlife Dental Insurance

Complaint ID: **. I was told I would be paying 3750.00. I was never advised or signed a good faith estimate before being charged 7000.00. My dentist got a pretreatment approval then purposely added a code that made an error so it was denied. He corrected the Dental code 2 weeks later and billed it separately so that it was paid. That's Bundling and Unbundling and it's illegal. He also violated the no Surprise billing law. He told me the pretreat was approved and my share would be 3750.00. Never showed me that it was possible. I would have to pay 4000.00 more. Never had me sign as required, a Good faith estimate.

My husband's employer switched to MetLife Dental for 2023. NOTHING but problems. They don’t process claims stating they didn’t get them. Took having to send certified mail to get them to process. Then they denied every single claim. Saying MetLife doesn’t feel medically necessary. First off, when two surgeons called it medically necessary, who are they to decide. A very rare infection in tooth into gums. They pay nothing. Don’t process anything. And when you call their system is always down. My husband is contacting his employer to have them switch dental companies or we will not pay for dental w them. Worse company ever!!! Thieves!!!!

I have had many dental insurers over my career and Metlife Dental is the worst and pure evil. Demand your employer choose another option! I had some extensive dental work done. I went through the normal process and did a pre-approval pretreatment estimate before doing any work. It was extensive and required a lot of back and forth with the company. Finally, it was approved and I moved forward with the treatment. Now I find out that they deny the claim and say the pretreatment approval is not guaranteed and they have the right to change their minds. This is ridiculous and completely unethical. Terrible people who should be ashamed of themselves.

We were covered as a family for two years (2021 and 2022). 2021 coverage was almost perfect, reimbursements on time, etc. In 2022, without any notice, they decided to change the "maximum allowed" for each visit or procedure. In essence, they were paying, as max allowed, a visit to a dentist pretty much what one would spend at a barbershop. With all due respect to barbershop professionals, dentistry is still a branch of medical care and allowing a maximum that is humiliating to the profession is just a way to retain reimbursement from insured patients. In the end, in 2022 we spent more in insurance than we got back from Metlife. We felt in the backseat, speechless and impotent before such greed and careless practice. We changed insurer.

I've been with MetLife TakeAlong Dental for 2 years. I got Covid last month so called to let them know and the lady said I could make both February and March's payment the end of March. Within a 2 week period - knowing I couldn't pay til March 24th - they attempted to charge me four separate times with four different amounts causing me $140.00 in returned payment fees with my bank. Granted they made my account -140.00. My bank verified this. Which leaves me paying 140.00 extra to my bank for their mistakes.

AWFUL - zero stars if it was a choice! This company is terrible. MetLife might as well just extort a monthly fee from our paychecks. They denied 100% of my $5,200.00 periodontal surgery, which was STRONGLY recommended by a dentist and a doctor. They paid a whopping 15 dollars on a 96 dollar cleaning maintenance checkup. This is NOT insurance - it is mass fraud. One has to be foolish to maintain such a terrible policy. This sort of scam is why the days of privatized medicine are, and should be, numbered. Unfortunately too many misinformed people my age (~60) are still brainwashed by the propaganda machine funded by the "Health Care" system. You would be FAR better off to mail them a monthly "corporate welfare" check. The days of being "patients" are over. We are viewed as objects from which these institutions must maximize wealth transfer. Finally, does it really do any good to point out what we already know?

They have a list of dentists in your network, but it is not updated, over half of them are no longer operating, and the ones that are, are all specialists. Called in to get some assistance, who is actually still operating, can a specialist see regular patients for check ups, etc. Just flatly told me she couldn't help in any way, but mailing me the same list. Most companies follow up and verify that you go in for yearly checkups, this place can't even keep an active valid list of potential dentists, and expects their customers to do 100% of the work for something they are paying for. Absolute garbage, would not recommend.

Contacted MetLife dental to see if a service was covered and I was told yes, provided specific instructions to submit a claim and received an emailed form. Rejected twice. A customer advocate got involved after the 1st submission. Found out he knew all along the outcome and shared when an appeal was submitted. Not only did customer service give me the incorrect information but the advocate withheld information that could have saved me time. Along the way found out their recorded disclosure is to cover customer service in case they make errors. Would avoid!

I had a serious infection in a tooth that caused bone loss. The tooth was extracted and because of the infection a bone graft was necessary and biological material was needed for the graft. Met Life could not tell me what was to be covered until the procedure was done. I go to the dentist every 6 months and the dentist missed the infection that the periodontist said it was going on for some time. I asked Met Life to send me exact terminology of what is covered and what is not in my policy. A supervisor said the policy does not go into details and you only find out what is covered when you actually have a procedure done. This is not the type of insurance I thought I was getting. I would not recommend this company to anyone and in my opinion no one should buy this insurance!

Dealing with their customer service is an absolute nightmare. I had to call several times about a simple problem of not having received an enrollment package and a month later I'm still at the same point. It's very difficult to get a hold of a representative, and when you do, they promise to help you and then nothing happens. Incredibly frustrating.