Metlife Dental Insurance Reviews

I decided to visit the most "popular" office, recommended by MetLife in my area. What I expected to be a smooth experience turned out to be a waste of time and huge disappointment. Not only they insisted of doing their own full X-rays exam, even though I had it done around a year ago (Metlife covers 1 exam in every 3 years), but they recommended I need a deep cleaning and root scaling (with a hygienist exam results 2-3 for most of the teeth) with some laser cleaning that resulted in the price over $800, what a joke. Plus two teeth removal and two implants placed. Can you work with more serious dental offices, not with an obvious scam?

I have MetLife Dental through OPERS. Last year I waited 6 months for preapproval on a procedure for a fixed bridge. Finally had the work done and then they denied it, based on info they had from the start. This year Ive been waiting about 4 months for preapproval on another procedure. Initially they deny all claims saying they didn't receive X-Rays. When you talk to the dental office they insist they were sent. So, they get a good 30 days from that part of the scam. When you call, they say they have 10-15 days, that passes and you call and they have 30 days, that passes and they escalate it for another 10-15 days, that passes and so does the ultimate 45 business days. So now they are escalating it again for 3-5 business days. Their time frames mean nothing. I think this is a scam for large claims, especially for retirees.

It took me 3 months, involving my HR, Benefits Rep., and filing a compliant with the Texas Department of insurance to get my claim paid. Then after the TDI complaint was closed MetLife sent me a demand letter for what they paid me. I have 133 pages of documentation for this claim and I am still dealing with this company because of the demand letter from them. They are absolutely the worst. I will not renew with them after this. I will just have to pay out of pocket or find a different company.

Spent hours on the phone, calling their list of 'approved dentists' for my children, but none actually accepted the insurance. Customer service unable to resolve the issue. Largely feels like a scam.

Dental benefits faxes are not accurate. When a patient’s plan information is not available online and you can’t get a representative on the phone your only option is to request a fax. These faxes will only pull history for the subscriber, even though it has the dependent clearly listed as the patient. This incorrect information has lead to services being completed that the patient is not eligible for. Then MetLife doesn’t pay and the patient has to pay out of pocket because MetLife is not providing correct information.

I have been going back and forth with MetLife since April to fix an $82 overpayment they are trying to recoup. In the end my daughter’s orthodontist office reimbursed me to resolve the issue. But this was after the office tried contacting MetLife on my behalf twice, the first time being on hold for more than an hour. When I finally talked to someone, it was an hour of getting bounced around only to be told to email the department that handles complaints.

I had a very disappointing experience with Metlife Dental Insurance and transfer Brentwood Smile Dentistry. What initially appeared to be a straightforward agreement for teeth cleaning and dental services turned into a much more expensive experience than I expected. I was given an initial understanding of the services and costs, but the final billing did not match what I originally understood and agreed to. I also felt significant pressure to proceed with additional dental services and to sign up for their financing/financial services. The process was confusing, and I did not feel that the costs and financial obligations were explained clearly enough before I agreed to proceed. After reviewing the billing, I realized that I had incurred a tremendous financial loss compared with what I initially expected to pay.

Turned 65 and needed to go to new dental insurance. Nine months later needed a crown for a cracked tooth. They wouldn't pay since it was not 12 months. When I asked, they said this counts toward a crown even though they didn't pay, and I cannot claim another crown for the next 10 years! Total BS! Dropping them as soon as I can. Better to say $50/month and go without insurance.

If I can give a 0 or negative, I would. They waste your time to file online claims, only to not follow-up at all. Then request you to resubmit the claim, again not following up. Next option is for you to mail it in or fax it with your personal info on display... no thank you. Complete frauds!

Horrible company, do not use this insurance. There is no way to file an appeal besides by fax. This company is a joke and does not pay on their claims. Use somebody else more reputable.

MetLife is horrendous. They are a scam. Do not select them as a dental insurance coverage provider. You will be paying for everything out of pocket. I can't believe they are allowed to do the stuff they are doing to paying customers.

OMG - on hold for almost 2 hours AFTER I asked for a call-back. MetLife returns my call and put me in a queue for 2 hours!!

Although MetLife Dental states "no waiting period", that is absolute BS. Signed up with them as retired federal employee, needed 3 implants, they denied twice and had to resort to binding arbitration 6 months later. I was going to keep them for several years so they could make their money back, but dumping them at next open season. They deny and say "you can just do dentures" and of course they don't cover dentures. They call it "alternative procedures" claim denial. They might as well say "you can just put in wooden teeth" and of course we don't cover wooden teeth because they are temporary. See their methods. If they want to wait a few years before covering 50% of implants costs, then just say that in your advertising. I would sign up and wait, but MetLife Dental is a SCAM!

Absolutely do not buy this insurance if you are not going to use a provider in their network. They do not properly warn you of the absurdly low benefits for out of network procedures. My wife found an in network provider, and her benefits are decent. I use an out of network provider, and it is terrible. I recently had a $550 non-optional procedure. They paid $52. I had already satisfied the annual deductible. MetLife needs to do a better job in their marketing pieces to clarify how little they pay out of network.

Crooks. They swear up and down they will cover services and then when you have to use such services there's suddenly these new policies they forgot to tell you about. Put your money into a HSA, you're gonna be paying for it yourself anyway. You ain't covers for crap.

If you think about what makes an insurance company user friendly, you think about a welcome email, info to get started on the app, an ID card in the mail…etc. MetLife has been around for long enough to know what it takes to be user friendly and has seemingly decided to do the opposite. If it is difficult as it is to access your policy, I can’t imagine what claims are like. I speak on behalf of many when I say that I would pay double just to have a dental policy that doesn’t feel like a scam.

Metlife has been a mix of good and bad for our office. They have been fighting every single SRP claim and stating other things such as us not submitting a primary EOB when we have and even have the NEA # to track it. On a recorded line we have had reps tell us they do not even look at attachments. They will do anything to keep their money rather than pay on claims. They expect our patients to pay premiums on time but do not like to pay claims much less on time.

This company is so corrupt. I don’t understand how they are still in business. They pay nothing, and do not honor what is stated on their benefits pages. Do not be fooled.

I went to the dentist for a cleaning and ended up needing a procedure done. Before committing to it, the dentist had the front desk check how much of the cost would be covered by insurance. MetLife sent over documentation stating the procedure was covered in full. So I go through with getting the procedure done based on that. Afterwards, Metlife sends documentation to the dentist stating that actually that procedure is NOT covered at all, and I was stuck with the $700 bill. Well then what was the purpose of that first document that said it was covered!!

I am so frustrated with Metlife dental. They simply ignore claims and do not want to pay our claim and gives runarounds. Did not pay even now after 7 months.

Metlife is horrible. They violate the terms of contract by paying less than contracting. Their checks bounce. Disgusting and shameful. Their reps are clowns.

Wish I could give zero to negative number review to MetLife customer and provider service line because they suck so terribly. They seem not care about their patient and in network providers. They never pick up their calls.

The worst service ever. They don’t care. Looking for others to consider a class action suit.

We sent a claim for a routine dental cleaning, had to sent the claim multiple times (3-5) because every time we need to confirm with the customer service their system keeps saying they don't receive the claim. No dedicated email for customer service, either you send your file thru fax (obsolete technology) or thru regular mail. Can't believe a big company like this don't have an email for customers. Better fix their processing and customer service.

They are horrible. I’ve submitted 2 claims both times they said they didn’t receive to claim and then 2 more times responding to questions.

Metlife dental HMO is one of the worst insurance companies to deal with. Outsourced customer service (witch you can't understand) poor communications skills, long wait times, and getting transferred all the time. Their member service portal doesn't have the right information and you can't look up the schedule of benefits, it shows not available. You talk to the web tech and they can't fix it. Has to be mailed within 10 to 14 days. Just frustrating!

Metlife Dental is the absolute worst Insurance I have ever had. They repeatedly do not cover my claims even though I have followed all of their procedures. They are claiming that they don't receive the X-rays needed even though these have been sent numerous times by Dentists that were involved. Therefore, they refuse to pay their portion of the claim. It is ludicrous as these have been sent registered mail and was signed for. Also, I was told by there CSR that the X-rays were received. Then when you don't hear anything and call back they tell you they haven't received them. It's horrible how they operate.

Poor customer service means I call the answering machine, get asked the same questions, and end up staying on the phone for long periods, often talking to a machine. After 30 minutes, someone finally answered, and I asked for a list of providers in my area. He said it would arrive in my email within 15 minutes of my request. Do you really think it takes 15 minutes to send an email? I never received anything. I have been with this company for over four years. Last year, they denied the claims, so I had to pay for the lack of service.

They will now cover anything because they base what they will cover off of you previous dental history from your past insurance. Terrible insurance. Do not recommend them. I'm stuck paying for it for the next year for terrible coverage!!!!

As a provider, I have been on hold for 2 hours. I have been transferred 2 times. I selected "claims" on the automated line, it sent me to the wrong person. That person said they are overwhelmed with phone calls that they have people handling multiple lines, some of those are not technically suppose to go to them. He then promised he would directly connect me to the person that can help me and that I would not have to provide all of the patient's information or my information again. He sent me to another person that said she was unable to help me and had to transfer me. This is for services already provided to the patient. The way they treat providers is shameful.

As a provider, I have been on hold for 1 hour, 23 minutes and 47 seconds. I have been transferred 3 times. I selected "claims" on the automated line, it sent me to the wrong person. That person said they are overwhelmed with phone calls that they have people handling multiple lines, some of those are not technically suppose to go to them. He then promised he would directly connect me to the person that can help me and that I would not have to provide all of the patient's information or my information again. He sent me to another person that said she was unable to help me and had to transfer me.

If you are considering MetLife Dental, be prepared for a "coverage" experience that exists only on paper. My recent experience—which mirrors thousands of other 1-star reviews in 2026—has been a nightmare of systemic lowballing and administrative stonewalling. The most infuriating part is their "Paperwork Fatigue" tactic. Their member portal, mobile app, and dial-in systems are perpetually "broken" or "under maintenance" the moment you need support. I have spent hours on hold with offshore support teams who lack the authority to help and provide a different excuse for their system failures every time I call. It is a deliberate loop of misinformation designed to exhaust the policyholder.

I am writing to express my concern regarding MetLife Dental Insurance’s continued use of Social Security Numbers (SSNs) as a form of identification. Using SSNs as an ID number is outdated and raises serious privacy and security concerns. A Social Security Number is highly sensitive personal information that should be strictly protected under privacy standards, including those aligned with HIPAA principles. Requiring or routinely using SSNs increases the risk of identity theft and unauthorized access to personal data.

MetLife NCD Dental was recommended by an insurance broker due to the high max payout. We are in our second year and it is the worst dental insurance I’ve ever had, highest monthly premiums, lowest coverage for preventative as well as major items. They want to cover $500 of my husband’s $10,000 dental surgery based on their elusive maximum allowable charges. Their marketing materials are false advertising and I hope others aren’t misled into buying this coverage.

Metlife dental is the absolute WORST! They have denied every claim I have submitted for periodontal work, stating they need additional information. When I pointed out that I had just had a procedure in December 2025 and asked why they didn't reference that as prior history. The rep I spoke with was nearly impossible to understand due to a heavy accent. I don't understand why 10 prior years of periodontal history isn't enough to pay a claim. They even denied covering a night guard because I grind my teeth, which is what is causing my periodontal issues. I think their employees must get bonuses based on how may claims they deny. If you have Metlife good luck! Bring your checkbook and plan on paying everything yourself, even if you stay in their network.

I have to deal with this through UHG at my job. We had a very difficult time getting my newborn daughter covered. They required an original copy of the birth certificate mailed to them and now won't mail it back, They keep threatening to drop her coverage and making us jump through hoops just to keep us covered. Now they threatened to remove her just because they don't have the ssn. This place has piss poor service and I wish companies nationwide would stop using this service all together.

Finally had enough of rising premiums and low coverage after many years with this company. Cancelled my policy. The straw that broke me was paying a small fraction of the cost of a cleaning and only covering $22 on a filling. They would only partially cover the cost and that was for a silver filling. You have got to be kidding, silver fillings. Stay away from this company as you will save money paying out of pocket for services instead of supporting MetLife's insulting dental coverage.

Don't waste your time or money on MetLife dental insurance!!! They didn't even pay 18% of a filling I had!!! I would have given a no-star review but I had to pick one so I could submit my review!!!!

MetLife insurance canceled my husband's insurance and mine without notice. My husband passed away 12/21/25. Metlife canceled his insurance on November 31. I had thousands of dollars work done in December that they did not cover. If you call them, they give you no answers, they put you on hold, then come back and say their system is down. I wish I checked the reviews before getting MetLife. It's truly a horrible insurance.

The most terrible company I've ever dealt with. They are in the business of denying claims. There is no policy of how long it takes to review claims. I'm waiting already for 2 months (3 months from date of service) for 2nd (!) review of the claim. Calling 4 times and and with each call I'm getting a different timing: 1 week, 2 weeks, 30 days, 45 days... Beware and stay away from them as far as you can.