Metlife Dental Insurance Reviews

This dental insurance is a joke, and they only paid $305 for a root canal that ended up costing me $1400 out of pocket. Please avoid this company at all cost, because when I called they said they would pay for 80 percent out of network.

Metlife Dental Insurance is the worst dental insurance company. I have been told 8 times that the check is in the mail. This must be their standard comment when calling on a reimbursement. I have given up on receiving any reimbursement. I would never recommend Metlife Dental Insurance to anyone.

I have not had a deep cleaning in over 2 years. My dentist put in for the approval of coverage and it was denied, saying I don't "need it". And I got the PPO thinking it was going to be better than my last insurance. These people suck. Only out for whatever money they can make for themselves. Greedy as usual. Forget it. I don't need their lame stupid insurance. Ugh!

I can't even get on their app. I keep trying to reset my information but it gives me absolutely no help. I just want my medical records and I can't even get them. This company also pays the bare minimum.... needing dentures is not always cosmetics but more so we can eat and live. Shame on them.

I have filed the same two claims with MetLife Dental 3 times with absolutely no response. What does it take to get their attention? I see all the bad reviews - it’s shocking to say the least. Do not use this insurance company as they are known for delay tactics and refusal to pay legitimate claims.

First time in my life that a dental claim for a crown has been denied. My tooth and filling were broken, the tooth had other cracks in it. My dentist recommended a crown and submitted all the photos and documentation, still denied twice. They said I can go to appeal, which would involve me filing paperwork and taking off work so they can deny it for the 3rd time. I will be dropping this dental insurance.

The worst dental insurance coverage and customer service staff on planet earth. We have been fighting a dental claim for oral surgery out of pocket since January 2025. There is no communication. The reps aren't doing their jobs. Every month we call and speak to a different rep who says the rep before hand didn't do something. Or the claims is being denied with no reason why. I am writing this while being on hold for over 20 minutes waiting for the rep to get a supervisor on the line for me to speak to. This has been very poorly handled. It doesn't appear that this will be solved, and I am out thousands of dollars. Why are we paying for insurance that doesn't provide accurate coverage. Shame on you, MetLife. Now I understand why medical providers want their money up front because you aren't paying them either!

6 month waiting period, and the plan won't cover dental cleaning 4911 or 4910. Expensive coverage, over $761.00/year with very limited claim acceptance and very difficult appeal process. Not worth the money.

I had NCD MetLife for about four years. I heard at my last dental visit that none of my claims were even paid. When I went to cancel, they didn't seem to like it. They even kept trying to bill me for several more months. They are still trying to bill me and ruin my credit. I would not recommend them to anyone!

Two years ago, I switched to an out of network (biological) dentist that requires payment at the time of service, then they provide me with the paperwork to submit to Metlife Dental for reimbursement. My experience working with Metlife Dental has been absolutely terrible. They only accept claims via fax or mail. Not accepting any form of digital claim is ridiculous in the year 2025. Initially, I mailed my claims, but they stated that they never received them. Then, I faxed the claims and they sometimes received them and sometimes not. I finally submitted complaints to my state insurance regulator who was able to help me get the claims processed. In my opinion, Metlife Dental purposely does not accept digital claims because it gives them an easy way to avoid processing claims. They can just say that they did not receive mail or fax claims.

Be VERY careful-if the dentist at the big box dental clinic is "out of network" the entire visit is out of network! You will get stuck with a big bill. All providers working in the building should be in network. Even if clinic tells you ALL providers are in network, don't believe them. You will get stuck with a big bill. In fact, don't use MetLife dental if you have a choice; really don't use any MetLife products: vision insurance, health insurance or investment services!

Do not use MetLife for your dental insurance. They deny every claim. They refused to pay anything towards my bridge and partial because the teeth had previously been removed. My bridge of 20 years ago fell out and I had to have the teeth removed last year because of infection. I replaced it with a partial and they refused to cover any of the cost. Also, I have a Maryland bridge to replace my baby teeth that were extracted 20 years ago. They also refused to cover the bridge because the teeth had previously been removed. Their insurance is completely useless. You pay them and they refuse every claim. Now I owe my dentist $2,900.

My experience with MetLife's customer service was incredibly frustrating! Their automated phone system is confusing, time-consuming and makes it almost impossible to reach a real person. After being bounced around menus and waiting on hold, I was left feeling ignored and dissatisfied. Metlife seriously needs to improve its customer support process. Lastly, I canceled my dental policy!

My experience was good until I had to get my braces off. There was a mixup with the orthodontist office with the cost and so when it was time for me to get the braces off I could not get them off due to lack of payment from Metlife. I called and spoke to at least 6 different agents who were all going to take care of the issue and submit a rush order. I actually had the the insurance agent from the ortho office and the Metlife agent (Sharon from th escalation department) on the phone together speaking about what the issue was regarding the lack of payment and what needed to be done. The date was August 19, 2025, the actual date that my braces was due to be removed. As of today, September 8, 2025 the corrected dental form is finally being submitted for payment (at least that's what I've been told).

MetLife takes your premiums and finds ways to not pay claims. They constantly ask for additional information that has been sent numerous times. It is a stall tactic to wear you down. My dentist sent the entire file, but MetLife keeps saying information not received. How do they continue to get away with this! Clearly, their upper management doesn’t read reviews because there are thousands, yet nothing changes. I’ve been dealing with MetLife for 6 months, trying to get a resolution. Most of their representatives are in another country and regurgitate what you say to them. STEER CLEAR OF THIS COMPANY IF YOU VALUE YOUR SANITY.

This insurance deserves a class action lawsuit. They will keep asking stupid questions just to hold payments for as long as they can. I am 65 years old, and they have all my information to process the payment for my crown. Today I noticed that they need to know if I am a full-time student or disabled. When I asked why they need this info, a lady said that sometimes there is an age limit. When I told her that they have my birthdate, she said that she does not see these questions on my website. This is like some kind of scam.

Metlife has been one disappointment after another. Their job is to hold onto their money for as long as they can. They keep denying my dental claims giving excuse after excuse despite my dental office providing gobs and gobs of information they need for a simple perio maintenance. Absolute crappy customer service and why have dental insurance when they do not pay anyway?

I found that MetLife Dental Insurance is a very difficult company to deal with when it comes to claims. They kept denying parts of my claims and I had to call them over and over again. Every time I called (multiple times over 2 claims in two years) about my claims I always got someone who was not even in the United States. I had to ask to speak to someone in the United States. When I finally got to speak to someone in the United States they would explain they were working on it and then nothing happened, I would call again and told the person I spoke to before made a mistake and they would take care of it. This continued to happen multiple times.

My wife recently had dental work for which the coverage was denied, based on needing additional information. I have tried numerous times to contact MetLife Dental on the listed phone number and get an automated system with no option to speak with a representative. HORRIBLE CUSTOMER SERVICE! Too bad I can't give them 0 Stars.

MetLife went rapidly downhill in 2024 after I retired. They denied valid claims by not honoring by new retirement policy start date. When I paid extra to 'backdate' the start date of my policy (which actually started on that date), they still refuse to honor my dental claim. This is after multiple (more than 20) calls back and forth. You think you are finally getting somewhere with someone who tells you she 'cannot understand why this valid claim is not paid yet and will take it up with her manager' and then that person is replaced with someone new, to start the process over again! No accountability. Worst dental insurance ever. Do yourself a favor and skip MetLife - it will save you a lot of hassle later.

My tooth had FOUR cracks, and I am being denied coverage that is included in my policy because their dentist can't understand why I needed it. Now I have to call my dentist for the 2nd time to request more information to send to Metlife. Apparently, Metlife's dentist can't understand the problem with a tooth that has FOUR cracks.

Waited over a year to get dental insurance, then when I try to use it they just flatly refuse the claim and still want you to pay for the deductible. What's the point??? I will be cancelling my coverage as soon as possible. I would rather smash all of my fingers with a hammer and my toes with a steamroller than deal with MetLife Dental and their associated companies again.

Dishonest company, looking for every possible excuse not to pay a claim. It is almost impossible to come out ahead dealing with them. The cost of the insurance virtually always exceed the total amount they will pay annually. Stay clear of Met Life.

I’ve been with them for almost 6 years, their coverage is a joke. Their in network providers are your corner store old dentists, none of the reputable advanced clinics accept their charity like coverage. Most of the places I call are out of network due to their low coverage. I’ve been trying to get implants pretreatments estimate but keeps getting denied. The first time was based on alternate treatment, and they still refused to cover for the alternative options, so payed out of pocket twice.

Shady business practices. I reviewed Metlife Veterans Dental coverage and decided to go with the higher plan over the standard. In bold print, it looks great. It shows 40% for out of network and 50% for in network on a root canal. What they don't go over with you when you sign up is that the dentist submits their charges and Metlife has a max allowable cost that they pay. In this case, I was charged roughly $3400 on a root canal. Metlife had a max allowable of $1100 and some change. That is the price that they provide a payout based on the in/out of network. So, after the total cost and insurance payout, I was only provided 19% coverage ($647), $2700+ out of pocket. I would look elsewhere for dental insurance if I were anyone. Unfortunately, I am stuck with this company for a bit longer. I will not be staying with them when the contract is up.

They won't cover a dental implant or a bridge because I had the teeth pulled out before we had the Metlife Dental insurance. We are wasting $38 a month premium until we can cancel it. All I want is to be able to eat easier. I would never recommend.

Worst dental insurance. Worthless. If I can give zero stars I would. If I had another option to use for dental insurance company I would. They will approve a claim then reject it after you get dental work done and stick you with a hefty bill.

They delayed for 10 months before denying claim. Procedure was in July 2024 and they finally denied the claim in May 2025. Never received a call back from anyone at MetLife. Nobody can answer any questions when you call and all their call centers are outsourced outside the USA. Not having insurance is better than having MetLife Dental insurance.

MetLife is not consumer con-centric. I was on their dental plan for 9 1/2 years and it was a constant struggle, from honoring claims, to getting through to the write person and understanding foreign dialects. Agents are not empowered to make any decisions and reaching a supervisor is not easy. They are trained to deny restorative dental work in the hopes that most consumers will "give up" due to long hours on the phone. Eventually, they will honor it if you don't give up. It's a racket and for such a large company, it should be embarrassing. Look into a good dental savings plan instead or go with Aetna if you need dental insurance. Avoid MetLife.

I did a dispute, had to contact the several months later for not answering that. The customer service informed me that the dispute would be expedited. Three weeks later, contacted them again because they didn't keep their promise. The lady actually told me that it wasn't 10 - 14 days, rather 10 - 14 business day... which was a lie. They didn't keep that promise either. Worst customer service I've ever dealt with. How does this company stay in buisness.