Metlife Dental Insurance Reviews

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 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.

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.

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.

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.)

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.

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.

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.

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.

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.