Metlife Dental Insurance

Metlife Dental Insurance Reviews

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Overall Rating
2.0 out of 5
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About Metlife Dental Insurance

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Metlife Dental Insurance Reviews

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Page 1 Reviews 0 - 10
Customer ServiceClaims HandlingCoverage

Reviewed Nov. 30, 2023

I have to say that I am very disappointed with this company. I understand that MetLife is a company with a large volume of claims that need to be processed. Unfortunately, I am stuck doing the paperwork myself because my dentist is out of the network (like many others around my area) and refuses to take the insurance. Recently I had a surgery/ procedure done that multiple representatives had assured me that it would be partially covered. I had called on multiple occasions, gone over dental codes with the money amounts and precent for coverage. After sending in a lot of paperwork I followed up with a phone call. I was told only a small percentage for one out of the four of these services would be covered. I was shocked and asked what else, to send it and that was a conflicting information as to what I was told previously.

I have resent all other paperwork that the company needed and I’m still waiting. I have made several follow up phone calls to no avail. It seems that my paperwork keeps getting not received or lost. Several times I had to resend faxes that went through on my end, mail gets lost also. I have asked for an email as that would be easier but MetLife told me they don’t have an email. What insurance company doesn’t have that these days with the technology?! I just feel like I’m going around in circles…

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Customer ServiceCoverage

Reviewed Nov. 29, 2023

I went into see my dentist on Sep 21, 2023. My Dentist submitted my Pretreatment Plan that day. Approx 1 week later, I followed up for status because I needed to schedule major dental procedures. Well Metlife could not find my Pretreatment Plan. I merged phone calls of my Dentist and Metlife to get to the bottom of what may have caused this. Well my dentist had to resubmit the Plan. Well later after the conference call, I received a call from Metlife informing me that yes, they had my Pre-treatment plan. Metlife said that they had 30 days to process my Pretreatment Plan. Well as of today November 28, 2023, I have yet to receive my completed Pretreatment Plan.

I could not wait any longer for Metlife to approve my Pretreatment Plan; therefore, I went ahead and scheduled my dental procedure. I went in for X-rays/scans/impressions, etc. My dentist called me back to have another scan because they missed some things. I asked if I would be charged and they said no. Friday, Nov 17th before my Nov 20th scheduled surgery, my dentist calls to inform me of a change in the pretreatment plan. 3 of the procedures needed to be changed from codes that were going to be covered by Metlife at 50% to D7950 a code that is not covered by Metlife. I was not going to leave with my provisional. I would need to go toothless for 2 weeks, and while the procedure was being performed the dentist had to postpone performing the D7950 service in one area.

I smelled the rat! I believe that is why I have yet to receive my Pretreatment Plan approval. Insurance companies are in business to take our money. I am so disappointed in Metlife Dental Insurance. As soon as Open Seasons comes, I am moving on to a different Dental Insurance company. Can anyone share a good experience with any other Dental Insurance Companies? If so, could you please let me know.

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    Claims Handling

    Reviewed Nov. 4, 2023

    STAY AWAY FROM METLIFE. Before having some major dental work done I checked the Metlife's website to make sure my dentist was in network and she did show up. After getting 2 crowns, cleaning and x-rays, and 3 fillings I ended up owning thousands of dollars due to them billing as out of network. All of that was getting billed at top dollar rates, not contracted rates, including the cleaning, x-ray, and exam which is usually included. The dentist refiled the claim with them as in network and they denied it. ** Metlife is all I have to say and STAY AWAY from them. Aetna is the best dental insurance and now we have Delta, which is also very good. Both billed the same dentist as in network correctly.

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    Customer ServiceCoverage

    Reviewed Nov. 3, 2023

    No company should use MetLife dental in its benefits package. Besides the pain of dealing with unhelpful customer service, they are unclear on what is covered and somehow weasel out of paying for something every visit. They classify certain teeth as orthodontia based on an arbitrary chart they made up. So if the tooth is extracted, it's covered at a lower percentage than other extractions. First, they approve to the dentist, then they later decline and you owe a balance. Hate them and customer service might as well be poorly programmed robots.

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    Customer ServiceClaims HandlingCoverageStaff

    Reviewed Nov. 2, 2023

    I truly believe MetLife should be shut down as a company, because they are borderline fraudulent. I had 1500$ for lifetime orthodontic worth through Metlife. I got Byte, which are teeth aligners. Byte said they took my plan for Metlife all the time, it was covered up to the 1500$. That was in January. I filed my claim, MetLife denied it because they didn't have the correct address. Okay, stuff happens. I get Byte and Metlife on the phone and have Byte send over the info. Denied again. Conference call number 2. Byte sends info again. Claim denied, say they don't have the info. Conference call number 3. Byte is getting annoyed at this point. Byte rep says they can see in their records that they have mailed the info. Metlife says okay yeah we got it this time. I call Metlife, they say the claim has gone through and they will be sending me a check in the mail for the money (I got a loan to pay back Byte, so Byte has been paid but I still need to pay loan.)

    Two months pass, no check. I call Metlife. They say they sent the check (for 800$, not 1500$) to Byte. Great, wrong person and wrong amount. And they never notified me, a single time, on any issue, ever. Not on the wrong address, other "missing info", bounced check, denied claim. They say part of my orthodontic money has been spent and I only have 500$. I don't think I ordered braces in my sleep, I tell them that I in fact did not spend any of my orthodonic money. They check and tell me I'm right. Okay? We get on the phone with Byte, (this one was actually Byte's fault) turns out byte sent them the wrong address this time. The office we call in in CO (I got the work done and my insurance and the previous byte location were all based in TX), they have no record of me, they don't even do mail order aligners. I will be calling Metlife and Byte back tomorrow. So glad I pay these people bi monthly to absolutely waste my time.

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    Reviewed Oct. 17, 2023

    Metlife stated that my teeth clean is a special maintenance in order to applied for deductible. I did the same teeth clean with other insurance with 100% coverage. MetLife is one of the worst dental insurance providers.

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    Reviewed Oct. 17, 2023

    As a newly retired federal employee I chose the Metlife Dental Insurance plan for a $40 a month premium. All I've had is a cleaning and that cost me over $100 out of pocket. And to add insult to injury I have to pay their premium for the whole year before I can quit their insurance...that's $480 out of pocket. It was the most expensive dental cleaning I've ever had. Wish I had read these reviews before I bought it.

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    Reviewed Oct. 16, 2023

    Metlife wont cover my dentures, I have the PDP+ plan allowance of $2250. No limits and they won't cover my upper denture. I have never use my dental ins. Now I need it and metlife won't help me. My dentist has to ask permission before he can do any work on me. Metlife replied they won't cover what I need, an upper denture. Why am I paying for dental insurance.

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    Customer ServiceClaims Handling

    Reviewed Oct. 11, 2023

    With digital technology's widespread use, The Metlife Dental insurance company only accepts Fax to file the claim by members. Filed the same claim twice (paid money to sent the fax). No follow up or email notification acknowledging the claim. Called multiple times and customer service not aware and keep apologizing but did not fix the issue to provide an update when the claim will be entered in their system to process. Terrible experience and tired of following up. Will ask the HR of my company to replace them.

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    Claims Handling

    Reviewed Oct. 3, 2023

    I had a crown that broke off below the gum line. My only option was an extraction and an implant. Everything that is submitted is denied. I have paid $4000.00 out of pocket and had to stop treatment because of the cost left to finish the implant. I filed an appeal which "they never received". I faxed it again and they acknowledged receiving it but I cannot get any update only instructions on how to file a claim. I pay my premium each month and the implant is listed they do not want to pay. My dentist is not in any network but I have been with her for over 10 years and have been hesitant to change dentists because of her knowing my history. Not being in the network should not be a problem. The bottom line is MetLife does not want to pay you for what you pay them for. Recommend that anyone shop around before choosing this company.

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    Metlife Dental Insurance author 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.

    by Cyril Tuohy Insurance Advisor

    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