Metlife Dental Insurance Reviews

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.

Have been trying to get a claim processed for over 8 months. I submitted via mail (their required method) twice. First time they said they never received. Second time they said they couldn't read and asked me to have provider submit, which I did. Provider submitted and MetLife said they didn't receive. They submitted again. Now they are saying they need more info. Provider has submitted multiple times. I've had to contact CS each time to check and it takes forever. Been told twice they would have supervisor call me back and they never did. I have the electronic copy of info sent that I can email them to make sure they have while I'm on phone but they won't do that. It's a $2,000 claim that I'm hoping to get some coverage on but it seems like they try to wear you don't so you give up. They absolutely SUCK!

Basic coverage is a scam. I paid more in premiums and % not covered than I would have by not having it. Yes I dropped it. Still getting bills from cleanings that I thought were %100 covered. Not the case, even said I still had benefit available?

I wasn't told there was a waiting period and had to pay over 500 dollars for a simple exam that was in network. Apparently there is a 6 month waiting period for any dental service and a year for major dental work. I hate this policy because I now need wisdom teeth extracted and now I have to wait another 6 months. I wish I could give this company 5 negative stars. It's awful.

The manner in which MetLife Dental Insurance (MLDI) handled my simple claim makes me think MLDI is a scam, and should be subject to some kind of review from whatever legal authority handles insurance companies. When my dentist filed a claim, MetLife claimed I was not in its system. My husband paid premiums for MLDI. The policy was simple and clear – I was entitled to two dental cleanings a year. I was astounded at the extent to which MLDI went to avoid paying for a standard dental cleaning. I had to

I wish I could give them a negative star. They are unprofessional and need better training. They are paying a portion of my son's braces and the Orthodontics has not received a payment for my son yet. I have to been on the phone with them since Dec 2024. First the check got lost and 2nd excuse the check never got sent out and now the tax id was wrong. I tried to speak to a manger 2 times and both times no one was there but might call me back this week. I never had a issue with a dental insurance company before. Don't use them.

I am a dentist who has been in network with MetLife Dental for over 27 years. As of late December 2024 they stopped paying out on all my patients’ dental claims. They cannot provide a plausible reason for denying every claim. Meanwhile, they make it impossible to resolve the situation. All contact with them has been fruitless. It has been brought to my attention that MetLife Dental has been recently sold to a company that is allegedly struggling financially. My advice is to avoid MetLife Dental unless you wish to pay your dentist completely out of your own pocket and pay premiums for nothing.

If I could give zero stars, I would! Once again, MetLife has failed to pay on a claim per their pre-cert provided to the dentist. I have called numerous times, filed 2 claim reviews and cannot get even a response from MetLife claims. They are a joke. Today, one of their associates hung up on me when I asked to speak with a claims supervisor. I guess they win again. Instead of them paying only $75 instead of the $598 they said they would, I will have to pay the difference out of pocket. We are canceling our policy but spreading the word. MetLife dental is the WORST dental insurance company ever! You’ve been warned!

Retired from military 2015. Chose Met Life Dental based on their name and popularity. Biggest mistake I could have made. Stuck with them for 10 years but no more. Every claim was a hassle. They pay next to nothing. Network is almost non-existent. Wanted me to drive 6 hours 1 way to get root canal..ended up paying all out of pocket. Customer service is a joke. If looking for dental insurance chose ANYONE but them.

I have MetLife dental insurance through my employer. In March of 2024, I had an implant started. A year later, Metlife denied the claim stating that a partial denture would be cheaper. Nowhere in the Insurance SPD was it stated that they offer coverage unless they determine a cheaper option exists.

Metlife is trying to recoup a claim from 2018 and it is 2025. They are withholding all other benefits until it has been paid and after speaking to a "supervisor" 5 TIMES they still have not been able to figure out why the claim is being recouped however will not release benefits until claim has been recouped.

Very difficult to process a claim that after sending snail mail and fax they claim they haven't received a third fax being sent again today. Their service is horrible and I believe they intend to get you to give up. Still no verification of receipt of 3rd fax sent directly from dentist. Reconsidering weather my life policy thru Met stays or goes. Is this what my family can expect after I'm gone??? Their claims dept is horrible.

They referred me to a monster of a dentist. Every person in my family had to have their work redone. Every single bit of it. I sent them all the proof as they would not let us have another legitimate dentist do the work within a year of the other dentist traumatizing all of us. Who would go back to someone who did all of our work wrong. I had to pay another dentist thousands to redo our work. They told me to send them all the information and I did; see the photo and receipts from the United States Postal Service. They never even responded. I have been with them for many years and I can't stand them. Hopefully American Airlines offers us another dental insurance. I have formally complained about them to AA. Never go by who they refer. They like playing chicken with your oral health.

It’s hard to believe this is a legitimate company. My employer chose them, not me. I have not yet been able to register online because the information they sent me (months after I started with them) was incorrect, and the operator they said to call said she wasn’t the right one, then redirected me to another line, but I sat on hold so long I gave up. When I tried another way online, they were “experiencing technical difficulties”, so far 3 days in a row. And I’m paying $500 a month for dental insurance that I cannot access.

MetLife is the worst insurance company I have ever dealt with. I was told they would cover 2 veneers because my front teeth were crumbling away. After the procedure was done, they covered nothing. After calling numerous times and being put on hold for 30-45 minutes each time and being asked the same verifying information over and over, no one could give me any information at all.

Beware of MetLife Dental Insurance scam! I have a Print-out of MetLife Dental approved pretreatment plan in Dec 2024. After the procedure was done in Jan 2025, claims were denied. When I called to appeal, the records as well as the reference number were erased from my file. All 50% approved pretreatment claims prior to the procedure were all erased/deleted from my file. Luckily, I have a print-out of this pretreatment approval of 50% as a proof for my appeal. Attached is a copy of my pretreatment claim that has been deleted/erased from my file. I have already paid in full for my responsibility prior to the procedure. The dental office has printed that copy of the pretreatment plan which was denied by MetLife once the procedure was completed.

This insurance is horrible! Claim denied on the first visit of 2025 because there were 2 previous visits in 2024 that met their "2 in 12 months" policy! How ridiculous is that!! Every other dental insurance I've had based this service on the plan year, meaning the 2 visits allowed restarts in the new year. Crooks that's what they are! I will be definitely dumping this plan and NOT recommending it to anyone I know!

I've been trying to find a high-quality, in-network dental provider off and on for a few months now because MetLife will only contribute $13 dollars to my trusted dentist of 25 years for a normal visit. I called and they emailed me a list of providers. I went through the list and I quickly discovered that most of the "providers" they sent me don't exist.

From the very first point they have proven to be useless. I cannot register because they somehow have some record of me from some past life. When I put in forgot username I don’t get an email to any of my emails. When I call them they hang up saying heavy call volumes. What a piece of incompetent morons. This is gonna be one long year.

If I could give a “0”, I would. I had a dental bridge fail. They refused the claim stating there was a cheaper way to replace the bridge with a partial plate. I asked for a review, stating the 2 teeth that held the old bridge were ground down and would have had to be crowned before they would hold a partial. Additionally, 1 of those 2 teeth had a root canal, which would require a crown either way. 2 crowns and a partial (which made no sense) was MORE expensive than replacing the existing bridge. They once again denied the claim without providing any additional information, using the same “reason”. Their reason: “there was a cheaper way, ie. a partial plate”. Also, they waited until I changed companies during open season before denying a 2nd time. IF POSSIBLE, MY RECOMMENDATION, DON’T ELECT TO USE METLIFE AS YOUR CHOICE OF COMPANIES.

Using the Dental Cobra benefit and now need to move to another insurance. The new insurance needs a Letter Of Credible Coverage. In other words, proof that you have been insurance and taking care of yourself. Made the request to MetLife over 2 weeks ago. Nothing received. Called and was told the letter was just mailed yesterday. And it would probably take 2 weeks to receive it. Welll, that does not work to fit into open enrollment that is set to expire. They also can't email it to me. In this day, we all have electronic processes and this is a simple letter. I asked to talk to a manager and was placed on hold for over half an hour and I finally had to hang up as I could not tie up my phone for that long. I tried to generate the letter via the MetLife portal and that is not an option either. I feel so frustrated with processes these days.

According to Metlife they overpaid for a dental service and now won’t make any future payments even though I have to continue to pay their monthly charge. Why should I have to be punished for their mistake? I have spent many phone calls and hours trying to get them to resolve their error only to have my calls lost after being told to wait on hold with no call back. Good luck dealing with their customer service.

I'm still on hold after talking to a bunch of "specialists" that handle my type of account. So far nobody has been able to assist just trying to get me logged in. Meaning, nobody has actually tried to help me log on, the only thing they have been doing is putting me on hold repeatedly. I have been paying these people to put me on hold and transfer me to other people just to be put on hold.

While MetLife has decent or even good coverage, their business practices are evil. They kept denying my dental claim because the dentist submitted me as "Tom" instead of "Thomas". This has taken over 17 months to finally figure out. Who does that other than some greedy blood-suckers who do not want to pay what they owe. Truly disgusted with them.

Routine dental work denied claim because it's a "pre existing condition". It's illegal in health insurance, why do they get away with it in dental? Trash. Hope the company goes down the drain, the world would be a better place without the cancer that is MetLife.

Metlife Dental customer service is awful!!!! First of all to reach a live person is close to impossible and when you finally do and you explaining that automatic system can't help you with your question they transfer you right back to it. I was on hold for an agent I don't know for how long and then they hung up on me!! It's absolutely rude and inappropriate!

Wife has a simple filling in June. I have spent 5 months trying to get them to pay their portion of the bill. Customer service line is awful. 12 denial statements, 12 phone calls. Calls to my dentist business office. They promise to fix it but they don't. I chose them because they were cheap. Switching next year and canceling all the other Medigap insurance I had with them. Worst customer service ever.

Metlife refuses to pay for anything. My wife went through cancer treatments causing the need for major dental treatments. Metlife has denied her claim, I even sent a letter from her oncologist and dentist. I have appealed their decision and it took less than a week for the appeal to be denied. They are a joke. My dentist told me that Metlife refuses to pay about anything besides an exam and cleaning. I can't wait for open season so I can change dental insurance companies.

They cover basically nothing but an exam and xrays. Unbelievable. And, when you call for a claims rep, they are rude and disrespectful on top of it. Good luck trying to find a supervisor for issues the claims reps can solve. A company you don't want to do business with.

Buyer beware. Read all of the fine print and exclusions. They have almost a page and a half of exclusions in their summary. Pretty much anything pre existing is not covered, even with a pretreatment estimate. They're worthless if you want something other than a cleaning covered. Need an implant? Not covered if you lost the tooth before you had MetLife. Have accidental damaged to your teeth and need dental services? Not covered. Need any major dental work for something that happened before you had metlife? Not covered. You're on your own.

Have been with Metlife Dental for years (and the same dentist for 20 years), and they were great until recently. Started in Feb. 2024 with them not paying for some of my fillings and has just gotten worse. Explanation, "need more information to determine if needed". Dentist filled some more teeth a couple months ago and they denied some even though they had never been filled before: "too many times filled"... Weeks ago, I had a crown pre-approved, and my dentist decided to touch up some old fillings as well since I am moving out of state... They were denied. And now, my crown that was approved has not been paid and the claim is closed. The reasoning, "not enough information to determine a benefit". It was already approved, and they denied it! And good luck speaking to a person in the US when you call. I am so done with this company and will be looking for new insurance!

I have been having issues with MetLife. My dentist has sent over an appeal for me several times since February of 2024 for preauthorization for a needed crown. Each time given different directions for the appeal. I have made at least 3 phone calls myself, and 2 or 3 emails to get this appeal resolved. I am so frustrated that I am changing dental insurance this open season. I have been with Metlife since 2007, and have never had to file any appeals during that time, but they are definitely not customer friendly, or flexible.

**This is the worst company I have ever dealt with and strongly urge anyone interested to consider a different company. The reps start very nice, and in no time are disrespectful by interrupting you after explaining your call. They operate as if they are not accountable for the way they interact with the company. Regarding claims, they intentionally will claim their specific codes are not covered, or replaced with different one, so that a claim will be filed for appeal. The wait time for an appeal is longer than the standard 30 days. After supporting your claim with information from the ADA (American dental association) they will then accept the claim, not apologize for their denials, instruct the claim needs to be re-filed again, and the process starts all over again.

I would recommend that you chose another dental insurance other than MetLife Dental. The MetLife Dental office in El Paso will either find a minor reason why to deny a legitimate payment, or they are slow in paying the dentist causing problems for customers. The MetLife Dental billing office is incompetent and walks a fine line bordering on zero ethics.

Worst insurance I've ever had. There's a reason for them to not pay for every bill we have because for some reason it's always something not covered even though it's basic dental work. Would not purchase again or recommend purchasing to anyone. Gave 1 star because 0 stars isn't an option.

Despite my unwavering patience, the way my insurance claim has been processed (still waiting by the way) has been extremely frustrating. They received a claim that was lacking a couple of pieces of information, which I had to wait over 20 days to find out. Once the information was provided, they informed that I needed to wait another 10-15 business days even though it had already been processed before. When I asked to speak to a manager, the customer service representative, Crystal, just simply hung up. Just look at the 1.2 star review. I wish I could just let them go but stuck with them through my employer. Way to take advantage of people!!!

Everything is a business in this country, including healthcare. Because I went over my dental limit recently, I had to pay more than was expected for my root canal/crown. Not only that, although I two dental cleanings are covered per year, I had to pay in full for my latest dental cleaning. It never ends. No more dental work for me this year.

I am a relatively new customer with MetLife Dental. I completed the necessary form to show I had consecutive/no lapse in coverage of dental and thought all was well with my being able to be covered for services such as root canal, effective 1/1/2024. Never a word from them! As it turns out, I had to have a root canal 6 1/2 months into the policy and it has been flatly denied because they claim they never received the form or it was not processed. It cost me over $1700 and I’m not getting a penny! The appeal process was totally bogus. They claimed they needed more time to properly investigate. A letter dated 5 days later denied the appeal without any apparent investigation of material I had provided. I am angry and will shout from the mountaintop about this lack of consideration for retirees seeking to navigate without good dental coverage options!!! I worked 40 years as an educator. Too bad for me, right?!

Not covering much. It is like not having insurance at all. It is something forced by your employer, which unfortunately means that you need to wait for a few month for a simple appointment or pay out of pocket for a proper place.

I would give 0 stars if that were an option. The only thing this company does is stand in the way of getting dental work, or delay dental work. I pay for coverage every month, my company pays for coverage every month and all this company wants to do is delay paying or deny paying for services that are included.

Hirable Insurance. For same amount of premiums with MetLife. You can get more coverage from covered CA. Don’t fall for it. They start your coverage full and then they lowers it without any notice! SCAM

There is no way to answer the questions online and when I called the "customer service" number to try to get these questions answered, I was disconnected THREE TIMES.

I wouldn't even give a 1 one star of this company. They do not cover much and I have to pay out of pocket first. Spent $3,000 for 2 teeth and received $900 back. Now I've been fighting a $173 for an appointment and limited x-ray. I had to pay out of pocket. This isn't health care. The worst insurance I've ever dealt with. Dental and Health insurance should be covered together.

I have been waiting nearly four months for a claim to be resolved. Calling does no good because each call results in being told the claim has been escalated and that means 10-15 business days for any answer. The answer is always the same; need more information from the dentist office or MetLife's consulting dentist has not reviewed the claim. Today, I was told MetLife would be calling me with an outcome. I asked to verify my phone number on file, and they did not even have a correct phone number for me. In fact, I have never had that phone number. I will be filing a complaint with my state's insurance commission!!!

Very large employer provides their dental insurance. They issue eobs promptly. Lots of disclaimers about what they won't pay, but the big problem is that my primary dentist and now my oral surgeon have dropped them. We would joke about the Delta Dental crowd. Now I'm one of them. Note on the eob says network savings provided by relationship with MAVEREST DWP.

I logged on to my account tonight and found out that they cancelled my plan FOUR months ago. I never received any notice and they still are billing me each month. I wish I had read these reviews last year.

I am deeply disappointed with MetLife Dental. Despite paying $100 a month, I find myself questioning what exactly I'm getting in return. Over the past month, I've had several claims, and MetLife covered only about 24% of each one. When I tried to appeal, they gave me numerous reasons why my claims weren't covered more, primarily blaming an HR issue at my job. Their solution was to suggest I talk to someone at my workplace to get better coverage. Isn't the point of paying for dental insurance to actually get coverage for dental work? Right now, it feels like I'm throwing money away. Insurance shouldn't be this frustrating.

Desperately need a root canal. Been in a lot of pain for awhile. Saw a specialist, per my dentist's recommendation. Had a really hard time finding a specialist that is in network with Metlife, I assume it's because no one wants to work with Metlife because they are awful. Finally found a specialist and they submitted the necessary pre estimate for benefits to Metlife. Metlife denied the pre estimate claim. I called Metlife and they said it was missing a “clinical narrative” from the doctor stating the root canal is necessary. Who gets an unnecessary root canal just for fun?!? I then had to call the specialist to explain this to them. The specialist said they already submitted the clinical narrative along with the CT xray clearly showing a big crack through my tooth.

Terrible company, I'm in need of dental work, I'm in incredible pain. Can't eat. Can barely drink and they slow walk everything, their agents are useless and you can't understand a damn thing they say. This is thru my husband's employer. Thought it was good but it's not! I will be canceling.

Do not waste your time and money with Metlife Dental. They are slow to pay when they do and are always asking the dentist office for information after all information has been supplied two or three times. They say they answer claims within ten days. That's a lie. It's been months and they have not paid after numerous requests. It's a fraud. Find a reputable company. This one will disappoint you.

Metlife is one of the worst Insurance Provider in United States. There was a claim for my Dental maintenance and the claim is rejected multiple times since June 2023. Doctors office has shared all the required information to the Metlife Insurance. When I talk Doctor's office talk to them they do not have a reason for rejecting the claim - they simply say need additional information. I have all the documents and the information submitted to the Metlife from Doctor's office but still they are not approving the claim. As per my plan this treatment is covered and Metlife does not want to approve the claim.

Literally the worst insurance possible. They don’t care about veterans or family members to be able to renew policy. They make you have a 12 month “powwow” is what they said to be able to renew your insurance. Highly would never recommend them. Don’t even waste your time on trying to contact them, they will send you to the wrong places for connections!

I had a crown done that was an identical procedure that I had done on another bad tooth. MetLife paid their share on the first tooth but not the second one. I appealed it. Their claim came back with a different dentist listed and said that he was out of network LOL. Then further down on the claim it stated that the claim was over the amount of my coverage. These people are totally incompetent. Avoid at all costs.

DO NOT WASTE YOUR MONEY. I had them for a year. They cancelled my policy without notifying me. They said they cancelled because they weren’t receiving payment even though it was automatic withdrawal on their end. I got slapped with a $500 bill by the dentist because I didn’t know they cancelled my plan. Called to resolve the issue and they said there was nothing they could do about it. Just a money hungry corporation that has poor customer care. I highly advise against buying any plan with them.

MetLife Dental is by far one of the worst insurance companies for dental services. Case in point; after I received dental services by my periodontist, the claim was submitted to both MetLife Dental (primary coverage) and another big dental carrier (secondary plan from my husband). MetLife paid $0 and my husband's plan paid 30% of total billed charges. MetLife said I had other cheaper options, and should have gone with those options (which they would have paid). To insinuate that I should NOT follow my dentist's recommendation but do something different is outrageous and out of scope for an INSURANCE COMPANY. I have appealed MetLife's denial so many times, I've lost count but I will continue.

Useless even for dental cleaning, that is covered. Dentist sent in invoice twice..nothing. Then they asked for SS number, never before have they done that. Call back a second time and they said they were running about two weeks behind on payments. I would never recommend anybody buying insurance from these people.

I used to be in love with METLIFE Dental Insurance until I had to file a significant claim! They are great when it comes to paying for cleanings, but try and get a legitimate implant claim through their system...good luck. For over 4 months I have been contacting them with no resolution. They keep kicking it down the road. Their foreign customer service is hard to deal with and can only read back the notes on the EOB. When I asked to speak to a Dentist, I got nowhere. I submitted x-rays over and over, my dentist wrote letters and I filed written appeals (via fax no less) and received nothing, nada, zip. Totally awful customer service if you have a significant claim. It is all about the $$$$ with MET Life. Stay away if you can. Contact your HR representative and tell them to stay away!

I am almost done with Invisalign. I get a new job so I switch to Delta Dental. I paid 3,000, the total amount, upfront. MetLife only has to pay quarterly.. and if you leave, they don’t have to finish paying for it. It’s a scam, they spread out the payments and hope you leave before they have to finish paying.

This is the worst insurance on planet earth. They should be ashamed of themselves. Not paying for my dental when they are expensive to have! Stay away if possible. I’ve never had so many issues with an insurance ever!

This place is not only very bureaucratic, but it does not provide good coverage. They are currently denying me a benefit, and I am having a very hard time getting someone competent on the phone. Currently on hold.

The most useless dental plan out there. I have the top tier ppo through my employer. Between me and my employer they get $5000yr in premiums. I need a bridge with crowns, they send back the pretreatment estimate saying they will cover $2117.50 (barely a drop towards the full $10,840) but you think it is better than nothing. Then I open the estimate and they actually will not cover anything my dentist submitted. They will cover a partial denture metal cast. PRISON INMATES get better options! A METAL DENTURE?! This is not the 1940s! So I pay 100% out of pocket and they make $5000 a year. You are better off not having insurance at all.

I'd quite literally rather deal with ISIS than Metlife Dental. Every time you call, you get some ditzy Asian who has no information whatsoever to provide. They cap your claim(s) based on an "allowed amount" which Metlife cannot provide any information as to how they calculate this percentage. Avoid at all costs.

Three years in a row I have asked to pay in full while at the dentist. Every time they said this will cover what insurance won't. Once again I will be fighting collections because MetLife refuses to do their part. Why are we paying for insurance, if they are not doing their part? This company needs to be shut down, as they continue to steal money, and lie to their consumer!! It's embarrassing to me, my family, the small dentist businesses in these small towns that have to force their hand on single families, because they can't hold their end of the business. I will be talking to corporate about our company keeping them. I'm sure they make millions considering we are owned by a huge businessman and company. Very, very disappointed.

I’m getting the run-around on the phone —- for over 3 hours simply trying to find out what my benefits WILL be after my 1 year waiting period (during which I’ve been paying almost 40 bucks/ month). I have 2 crowns that fell out and I’m willing to complete the waiting period…. But I do want the benefit information. Can’t get it!!?!

I originally submitted my claim Dec, 2023. It's now March 19th, 2024. Still nothing. I had major dental surgery which isn't covered but the 18 extractions are. I submitted my claim and call every week for an update. Every week, I'm told it's still being reviewed. Today, I escalated the call and waiting for 20 minutes before being disconnected. The worst part is: I'm fully expecting them to deny my claim. So all of this time will be wasted. Please urge your HR reps to use a different dental insurance company.

It took 6 months to get a preauthorization for treatment on 2 crowns. Back and forth conversations with Metlife, the dentist and myself. Many hours of phone calls were expended as they change the rules on what is needed and how to send it. However, once they receive materials such as xrays, nothing is done until you call them and nudge them. Finally got a Preauth and they denied one of the two recommended crowns. OK so then... We got the one approved crown work completed and submitted a claim. Metlife starts asking for the xrays again! The same xrays sent for the Preauth. Many phone calls later, and they tell me there is no connection between a Preauth claim and an Actual claim! The actual claim starts the process all over again as if no Preauth was ever done! At this point, I paid the Dentist and will painfully keep calling them until they pay up. Can't wait to cancel this policy.

Updated on 06/13/2024: After I sent the repeated requests for "paperwork" (handwritten by me saying it was a replacement orthotic) they paid the maximum allowed. I think they wanted to delay or deny my claim unless I provided the unnecessary "document".

Every single time a claim is submitted it gets denied. You have to call and talk to one of their terribly uninformed call center reps who are never helpful. They always need some obscure piece of documentation even though it was provided on a previous claim. I am looking for new insurance.

My dentist makes patients pay upfront then the claim gets submitted to Met Life and the patient gets a check from insurance. Sounds easy enough, right? Nope. I have been waiting since August 2023 to get my reimbursement. I have been on the phone with them 3 times, each time well over an hour. Every single time they tell me that the claim cannot be processed because provider information needs to be updated. So every time, they put me on hold, contacted my dentist, get the information they need, then tell me it will be 10-15 business days before I get my check. Each time I waited for the 15th day before calling again. It's like that Bill Murray movie, Groundhog Day.

In January of 2023 I had a crown preapproved. In November had work done and claim was denied. Contacted Met Life in November, December, and January and was told it was a error and claim would be paid in 10 days. Now February 8th, contacted Met Life and was told it was "under review" and it might take up to 30 days to process. STAY AWAY FROM THEM. They take your money, approve procedures, deny claims and then drag you along.

When a claim was submitted they denied it. They said they needed more information so my dentist provided the info they requested. This kept repeating. After five times it was obvious they were not going to pay, I heard delta was a good choice.

DON'T BUY THIS INSURANCE. Member for 30 days and can't cancel. Passed around from number to number and worst organization ever. Then the alleged "cancelation procedure" doesn't connect. Alternative is cancel by snail mail.

MetLife Dental Insurance is not accepted by most of the dentists in my area. My family dentist, then my oral surgeon and then my endodontist stopped taking them because of the hassle of getting paid. As a retiree of Verizon, this is my only employer provided insurance. What recourse do consumers have to make this company accountable and transparent? Their MO seems to be to deny and delay and shortchange all claims. They are aggravating and frustrating and their policy seems to be to wear the patient down to the point of capitulation where we give up and pay out of pocket.

My husband & I are so frustrated with Metlife Dental insurance! They keep refusing to pay my claims. I decided to check if anyone else is having this difficulty. I have to admit I was amazed on how bad they are rated, 1 the worst. All for the same reason refusing to pay claims. I wouldn't recommend this company for anything!! I'm waiting to see if a class action suit is taken against them. I can't believe they are continuing to get away with this! Don't we have some kind of consumer protection?? Now I just received an increase in my premium. Go figure! Liz

I have been a MetLife Dental customer since 2020 through my work. On 6/28/2022 my son was visiting and had an emergency root canal while we were traveling in Birmingham. I went through the process of finding a dentist that was in-network. They sent me to a specialist that was also in-network to do the root canal. They ran it through MetLife and gave me what I would need to pay (which was just a co-pay) and what would be for insurance. Pre approved and we were set to go.

Hours & hours on phone over 2 months to settle PREAPPROVED claim! VERY TRICKY tactics to delay & resolve. Claims process supposed to take 10 business days. Gave them 28 (business days due to holidays)! Long call process to speak to a human. Given a "Ref #" with another 10 bus days to settle. Crickets. Another LONG call process to speak with someone. "Oh so sorry, claim was filed correctly." Given a NEW Ref #, this time with a 24-48 call back. More crickets. Called AGAIN & ANOTHER HOUR WASTED. Can only speak to senior rep not a super. Turns out the Ref #s are only for each call NOT settling claim & no paper trail between calls on same account or claim. Appears there is no internal process to flag overdue claims.... MetLife lets that fall on the customer who must use their time (=money) to resolve....Met's method to wiggle out of paying. INEXCUSABLE.

I tried to get reimbursed for dental work that had to be redone due to work failing two months later. I paid another dentist 100% out of pocket to another dentist to fix. First dentist refunded myself and MetLife for work completed. Now Metlife is giving me the runaround and doesn’t want to reimburse me their portion. Even though they confirmed receiving their portion back from the first dentist and receiving my receipts detailing paying in full. I feel that they are trying to “run out the clock” so they don’t have to pay. Needless to say, I won’t be renewing my insurance next year.

My employer upgraded my dental coverage on September 1, 2023. For the next four months, MetLife representative kept failing to update these changes despite my weekly calls to their customer service. My employer also notified Met Life about these changes three times, from October to December. MetLife representatives either claim that they have no updates or even assume that the extended coverage should be covered by the doctor's office. All of them cannot perform a simple clerical task of updating my file and seem to be clueless, inept, and disorganized. In my experience, MetLife dental is the worst insurance I have ever dealt with.

I have had a Dental policy for 13 years. My wife just turned 65 and now has a medicare advantage plan. She had two teeth extracted, cost $935. Medicare paid roughly $350 and she received a check from MetLife for $154 as they are the second insurance company. She then received a letter telling her to return the check as she was overpaid. We called them and were told that they would not pay ANY OF THE CLAIM as Medicare paid all of what they would have paid!! But you are the second payer! Sorry but we won't pay ANY of the claim as medicare paid what we would have paid! Dropped them that day, As should you!! This company will take your money and that is it!!!!

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.

They don't cover what they say they will and they your only choice is to write letters and wait for them to reply. It's appears that it is a game they intentionally play. You can spend significant effort on the phone just trying to talk to a human.

MetLife Dental has been covering me through my employer for 6+ months. I had an appointment coming up, needed my policy information (which they never sent). I tried to log on to their website to get the information, was told to register my account (fair enough). When I attempted to register, I was told I am unable to, and needed to call the company. When I did, and finally got through to their technical support service, I was informed the issue was with the phone number I am giving them.

My claim was sent in on July 12, 2023 for processing. I was under the impression based on the website that it would take 7 to 10 business days. Due to some minor issues I was then told that my claim would be processed within 30 days and that that was standard, not 7-10 days. After 30 days, I called several times, to check the status, and was told that my claim would be escalated because it was over 30 days. I was also told I would receive follow-up calls that never came. On August 16th I was told that my claim would be give it a reference number and escalated it due to being over 30 days.

I have Met290 plan. I know that HMO plan is not great. However, I received superb support from Megan and Sandra several times. Therefore, I would like to rate the customer service of Met290 is excellent.

I have spent over three hours on the phone with various MetLife customer service agents and supervisors trying to get a claim paid from last year. The claim was denied due to no coverage in effect even though I had paid through the end of that year. Then they determined system glitch had cancelled my policy retroactively to the beginning of 2012 even though I had paid for the entire year and had another claim processed that year. Eventually they agreed that the effective dates are wrong but don’t know how to fix and process and pay the claim. Totally incompetent and despite reference numbers need to have everything explained again yet again.

I had a tooth removed and just in case I wanted to put in an implant I had bone graph added. 3 years later I change jobs. New dentist says he wants my wisdom teeth out and now I need that tooth. They denied the claim as it was preexisting to another claim. I'll have a complaint with the Missouri insurance commission and a small claims suit filed by the end of the week.. Useless company.. I’d give them a zero if I could.

Metlife FedVip is absolutely horrible. They charge more in premiums and co-pays than they pay in claims. If I could give them zero stars I would. My previous dentist dropped Metlife in March after I scheduled to have some work done. In lieu of paying out of network cost, I found another dentist that required an exam before they would do the procedure. Metlife denied appeals and refused to pay for visit and only covered $285 of $1200 procedure while I had to come out of pocket over $550. Customer service was ** and not helpful in explaining appeals process and talked to me like I was an inconvenience in their day. Appeal letters had inaccurate information and dates. Unprofessional. Keep shopping around.

I asked for a quote to possibly add my dependents. Rep said they wouldn't know quote until I signed up (that was a red flag) I agreed to preliminary so I could receive quote. Later on once I received quote (monetary amount, through paperwork I called to cancel). I did not agree to that MONTHLY amount or policy (and why would I? I didn't know what it would be, until I received it). I spoke to, three reps-March, April, & May. Each rep claimed they CANCELED THE POLICY. Check their call logs! Yet, I was still being billed monthly! In addition, no one said my preliminary was a contract - I did not agree to a contract. Nor did anyone said I wouldn't be able to cancel.

If I could give MetLife Dental a zero-star rating, I would. My experience with them has been nothing short of a nightmare. Since my employer switched from Delta Dental to MetLife, I've been caught in a whirlwind of claim denials, lost paperwork, and alleged coding errors. The most egregious incident involved a medically necessary replacement crown. Despite the fact that the original procedure was covered by Delta Dental, not MetLife, my claim was denied based on MetLife's frequency limitation policy. This policy only allows for one crown replacement every five years, a rule applied even though MetLife had not covered the original procedure.

MetLife is one of the worst dental insurance providers I have ever had during my 30-year employment history. They continually refuse to pay for necessary cleanings that I need quarterly due to an infection in my jaw-bone. Their corporate policy states that you have to have at least 2 of 4 "quadrants" infected to qualify for quarterly cleanings and because I have only 1, they pay $0 and I'm left holding the bag.

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.

The Metlife claim process is a nightmare. I would give them zero stars if I could. I went to the dentist 6 months ago now. My dentist submitted a claim to MetLife and they say they didn't receive it. I mailed it to them again, and again they say they didn't receive it. I then faxed it to them (as they say they won't accept email if you can believe it) and they say they still haven't received it. I've called them and they won't help. Use any other dental insurance company as MetLife just wants to take your money and then must be disposing of claim forms or something.

When anyone signs up with MetLife dental, even at the most premium level, he/she will be showing something like “In-Network based on the Maximum Allowed Charge” or “Out-of - Network based on the Maximum Allowed Charges” are 100%, 80% or 50% covered. However, how much is the “Maximum Allowed Charge” information is shielded away from the contract signing person. After you notice the mission information and specifically ask for it, they will tell you it is case by case decided for a specific dentist at a specific procedure pre-estimate occurs after you sign-up with them. Therefore, the customers are asked to sign a contract without knowing how much MetLife will pay, how much the customer will pay. Here, the 100%, 80%, 50% coverage and year round $2000 maximum do not mean anything. Since MetLife could have a $10 dollar “Maximum Allowed Charge” limitation and you will never get to $2000 reimbursement.

Have been waiting almost 8 weeks for a pre-auth to remove and replace a badly infected front tooth. Calling goes to foreign country where agents are of no help. I pay monthly for this crap! Won't renew.

I have dental insurance through MetLife federal plan. My experience is similar to that posted by "Robert of Aurora, CO" on 18 Feb 22. We had to sign up for the insurance in Nov 2021; and did so based on the information that MetLife provided at the time. My first appointment after Nov 21 was July 22 because I was ill and had to cancel my scheduled appointment. By necessity, I have to go to an out-of-network dentist. While the MetLife information I received when I signed up for 2022 indicated that my benefits would be the same as for 2021, when I received my reimbursement, MetLife had significantly reduced the amount of the reimbursement. I appealed and asked for an explanation. One month later, I was notified that my appeal was denied without any explanation and I could submit a second appeal.

MetLife does not cover nitrous oxide for oral surgery, not even for a young child. What do they expect me to do, hold my child down so they do not move during delicate, and painful, oral surgery. I thought this might be an oversight, so I called. I was told I had to appeal in writing on paper. There was no email option. The only reason I can think of why MetLife is still in the 1970s is to make it as difficult as possible on its customers. I appealed twice and both times received an insultingly condescending letter that never explained why they thought it was wise to have a child endure oral surgery with nitrous oxide. And each time helpfully sent yet another copy of their original decision as if I wasn't aware. This is a very expensive insurance, and not worth the limited coverage it offers.

ALL DENTIST IN OUR AREA HAVE PULLED OUT SAYING METLIFE IS CHEAP AND NOT PAYING. WE ARE DRIVING OVER AN HOUR away with 3 months waiting list. Frustrating when one needs help with pain or having a tooth pulled. Metlife was good for years.

Worst dental insurance. They cover part of a deep cleaning procedure, while denying antibiotic, which is the whole point of doing the deep cleaning, because it goes inside the pocket. They would cover only if pockets 6-8 inches deep, gums bleeding, and this is full blown periodontal disease. Have to pay $120 for antibiotic, thank God it was only two teeth that were treated.

About a month ago I was researching dental plans and after repeated calls (like for hours) I finally managed to get some allowed fee caps that I needed to make a decision. Today I called Metlife to confirm the information I previously received from one of their supervisors, yet no one will confirm that the information that was given me is accurate. They just say "We don't have that information". This is a lie - because somehow - after many tries - I got someone to actually give me the important details about their plan - a month ago. They want you to sign up FIRST and then when you have a claim they will tell you their allowed fee caps. Which will be whatever they feel like. Good luck with that.

Worst insurance ever. If you want a lot of anguish and stress get this insurance. When you speak to the reps you have to keep repeating yourself. They are gonna give me a heart attack with all of this issue of my child being over 7 and not being able to seen by pediatric dentist. He is 10 for Christ sake still a child.

MetLife made a change to their High PPO dental plan as of 1-Jan-22. The change placed a ceiling-cap on the coverage for out-of-network dental care. Prior, the member paid 10% of the bill for Class A (preventative and diagnostic care) treatment. Now, the member pays 10% with an unknown cap that is discussed between the dental provider and MetLife only -- the member is left out of the loop. My wife and I both went to an out-of-network provider with the understanding we would pay only 10% of the bill with our $50 deductible. The bill came to ~$900 for the two of us. With a $50 deductible and 10% we would have paid $140.

They will only accept claims by fax. I sent in a request for a presurgery estimate 3x in one month- they lost it each time. Finally, the surgery had to happen so my phone calls were about the claim and reimbursement.. About 20 phone calls happened, and 3 months later, they are still finding ways to delay. Also, they demand the full social security number of member & claimant every time you call- DOB too- this is a security risk. The customer service people are mostly incompetent, every once in a while you get a sympathetic soul who tries to help. i am getting a long email ready to the HR dept so they can drop METLIFE.

I just started a new job, and the company I work for now is SO unprofessional. They didn't send my information to the dental insurance company and I have an emergency, and I have no insurance to cover it, even though I am registered with MetLife Dental, I can't get into the website because it says I have to call their customer service for some stupid reason.

I submitted a claim for reimbursement on 11 August 2021. I received response on 22Oct2021 requesting more information that was not requested on the 1st form. I completed the second questionnaire and mailed it on 23Oct2021. I received a 2nd response on 10Nov2021 that more information was needed. I called and spoke to several personnel at MetLife Dental (Joe & Katherine) who were particularly unhelpful. I finally spoke with Justin in El Salvador and he said he would reprocess the claim as they did not look at the information I provided in the 2nd response. I was told this would take 10-15 business days to process.

Failure to hold accountable crooked in network dental office that fraudulently overcharges patients. Provided MetLife a recording of the crooked dental office lying. MetLife expects me to bear the additional cost of visiting another in network dental office for consultation and X-rays after I refused to return to the crooked dental office. MetLife refuses to hold crooked dental office accountable and the office is still a contracted provider.

I am a federal employee in Texas. I had MetLife Dental for 3 years. I paid high premiums for High $25000 maximum dental coverage. This year they tried every tactic and runaround trick to keep from paying my claim for Smile Direct orthodontic retainers, EVEN THOUGH THEY PAID FOR THEM LAST YEAR! I submitted the claim in June 2021. It took me 3 months,20 repeat faxes, 15 phone calls, written appeal to their dental claims review in Kentucky, and complaints to State of Texas and federal government to get them to pay $99. I faxed them the correct information (you can’t upload) again and again and kept getting the same stupid questions I had already answered. They lied to me on the phone and told me my claim would be paid and then no check was issued. I think they don’t want to reimburse Smile Direct claims but that should be told to customers during Open Season.

Very difficult to work with. I pay $40. a month and this ins doesn't pay for much. My dentist had a very difficult time getting info from them regarding my policy. They refused to send ins cards or a handbook or list of providers. Complete waste of money and time.

I have used various dental insurers over the years through the FEDVIP program and I can honestly and sincerely say MetLife Dental is THE worst by far. I have paid more than $450 to this "Insurer" and received less than $85 in reimbursements. I only use the plan for periodic cleaning for my wife and myself and the coverage is atrocious!!!

THIS COMPANY IS A COMPLETE FRAUD!!! PLEASE, TAKE MY ADVICE AND RUN! My son had orthodontic work to the fine tune of $4K plus. They paid $390 of which they have repeatedly HARRASSED me asking for it BACK! I have called REPEATEDLY and spoken with Felix and then an Isaac and got NOWHERE! ISAAC REFUSED TO TRANSFER ME TO A SUPERVISOR! This has been going on now for OVER A YEAR! YOU WILL NEVER SEE ONE PENNY FROM ME YOU SCAM ARTISTS! READ THE HORRIBLE REVIEWS...THEY ARE ALL TRUE!

Both spouse and I recently had to have replacement crowns (older towns greater than 15 yrs old). Dental office submitted all docs/X-rays with claim forms as usual and both claims were denied 2-4 weeks later, no benefits paid on my claim, and on my spouse's claim. The denial codes were vague and untrue. Called the tangled customer service line several times for explanation and got nowhere other than them telling me an X-ray was dated after the procedure which doesn’t make any sense. This wasn’t even mentioned on the EOB. Called dentist and he filed an appeal with all pertinent docs 15 days ago. Called again and Per MetLife, they haven’t received the appeal yet and we should give them more time. What? Why? Do they not have employees at this office taking care of incoming docs!!!

I love the affordable rate plan as well as the coverage of procedures under this affordable plan. Also I like the fact that there are a wide range of dental practitioners on my area that accept my plan and I am able to choose one that suit my needs.

I have this Dental insurance through my job. This insurance has been great at being very timely with making payments to the Dentist firm that I use. From the beginning until now, I have never had a problem with this insurance. I use payroll deduction to insure their payment, which has made a great union. Way to go Met Life.

Really easy to work with them, they cover a lot more than other insurances, billing is super easy, any time we had questions they were there for me, a lot of dental offices take their insurance, copayment are really low compared to others, monthly cost for the insurance is super affordable for the whole family, I love that they cover check ups and cleanings at no cost to us, I would definitely recommend them to family and friends.

In my experience with MetLife Dental they have always provided good customer service and accurate information. They have guided me through asking the good questions of future providers and once I selected a provider I was able to ask the right questions. The amount I have been responsible for has always been correct. I wasn't surprised to learn there were any hidden charges. I saw a specialized dentist and was surprised they covered some of the services.

I have never dealt with an insurance company so incompetent. For routine cleanings no problem. Then I needed an implant. Took 3 months for them to get an approval letter, blamed the dentist for not sending x-ray. They had the information, just didn't want to commit. Then the implant is installed they deny claim. Forgot they had done a pre-approval. Then when they finally did send payment sent it to the wrong dentist. Took another month to get the payment to the correct dentist!! Have called at least 6 times on this one procedure and each time they promise to fix things but manage to screw something else up. I am convinced that because this is a large dollar amount they are purposely slowing down the approval and payment process. A lot of my time has been wasted on the phone for this one procedure and it's not even done yet, only the base is in. The implant is installed in Sept. We will see what they manage to screw up then.

I work as a teacher and selected the more expensive dental plan because their chart shows they pay 100% dental cleaning for BOTH out of network and network cleaning. They provide the consumer a MISLEADING CHART. They don't tell you the amount they allow is "negotiable" and I ended up paying $80 for the cleaning. This is a call for ALL AMERICANS TO STAND UP to these health companies and their lack of transparency and their 3pt type for disclaimers. Stand up, speak out. It is NOT OK.

Don't even think about getting the MetLife Dental. I claimed on January 15th, today is June 15th 2021 and the claim is still pending. I called each month and each time I had to speak to a different person. They all are liars, information is always different and varies from one supervisor to another. I just got off the phone with them and was informed they need another 15 days to process my claim. Yeah sure.... just 15 days??? Why this haven't been resolved 5 months ago?! ** company, honestly don't go for it.

FORCING you to give out your checking/savings account number and routing number. This is extremely dangerous to us the customer when it comes to identity protection. Being able to pay online via credit is so much safer. Quit disappointing...

MetLife for over 18 mos. NOT 1 DDS will accept a new patient in a wheelchair. Tried calling (never answer) & emailing MetLife to get help or cancel & get refunded. NOT one response. DISCRIMINATION 100%.

Claim submitted by dentist 60 days ago. Still not paid. Dentist submitted claims again. Still not paid. Never had this problem before. All claims were paid promptly in the past. Is Metlife Dental going out of business?

Look elsewhere if you're thinking about signing up for Metlife Dental. They are unbelievably good at stalling claims to avoid paying people what they are owed. Their representatives are only there to keep you calm and separated from the people actually working on the claims. You can't get angry at the customer representatives because they can't do much on their end, so you're stuck and can't do much to get something done about the claim. They keep telling you to wait until you give up on them and abandoned it altogether. They want you to the work for them in order to get the claim processed and they won't give a status update on the claim either. Customers are left in the dark about the status of their claim until they call to complain about it. Please make sure you find a company that's reliable and transparent. Metlife has so many claims, they couldn't care less about their customers getting screwed.

This insurance did not cover all necessary procedures and maintenance for dentures. Covered only the basics. Required additional fitting and relining. Ended up paying a lot more than anticipated. I would not recommend this insurance.

Try to file a claim is like getting a root canal. The dentist calls them to submit a claim, its denied because of a false reason. I call to find out why, and I get "no, I see it should be approved." "I don't know what the other agent said but maybe there was a misunderstanding". "Your claim has been submitted but it has been sent to another department to be reviewed for the last two weeks, maybe the decision will be made later this week." I call the number on my card but I get, "you've reached the wrong department, I will transfer you". I get zero answers. I get the run around. I get one answer but my dentist gets another answer - and no one knows why! This insurance's coverage is not great either.

I love their orthodontics coverage. 5k a year. I think the average cost of for braces is $4500. There’s also no waiting period for my kids’ braces. Lastly, my plan is the least expensive for the high policies and there’s no maximum.

So far my experiences have been pretty positive. The dental care and billing process have been great and I've had no issues as of yet. I had switched over from Delta Dental to Metlife so I thought there would be issues with billing, however, the transition was even smoother than I had expected.

My dental insurance provider handles my claims quickly and efficiently. My insurance also allows me two cleanings per year and really helped foot most of the Bill when I had my wisdom teeth removed. I’ve never had any issues or disputes and they are always helpful when I have questions regarding my coverage.

The claims department reduced the benefit under the alternative benefit clause. The problem is no dentist that practices in the 21st century uses metal for bridges. Zirconia is less expensive and stronger. MetLife saved themselves $160.00. Any company providing a dental plan that actually cares about their employees dental health should consider a different provider.

Typical story- insurance company tries to downgrade benefits under the "alternate benefit" clause when the downgraded benefits are not medically suitable in my specific situation. But every insurance pulls that stuff, what makes MetLife particularly terrible is:

I have Metlife through Benefed which is tied to Fed Government that docks my pay for premiums each mo. When my dentist submits claim for dental work Met Life pays what they term alternate benefit which is less than the fee they negotiated with the Dentist. Then they require me to pay my agreed to percentage and also the amount they did not pay. For some procedures, (i.e.) crowns they should pay 35% of cost but pay less under what they call an alternate benefit. Then they require me to pay my percentage 65% and also the part of their percentage they did not pay. Forget this company.

I am a dental professional, we can never get through to speak to someone. The automated system and options is the worst I have ever experienced. It gives you the runaround and will ultimately ask you to gather your information and disconnect. Today, I finally got to an option that said something like, "Do you want to speak with customer service for eligibility and benefits or speak to customer service about something else?" I said: "Something else." Then it went to options about eligibility and benefits asking for an ID number and told me to "Call back after I gather my information."

Good luck trying to get in contact with an actual human-being from this company. Claims are denied repeatedly, when it's very obvious that they are covered. I have tried for hours upon hours to get in touch with someone, and I waste my time going through automated recordings for an eternity, eventually getting disconnected. I have wasted thousands upon thousands of dollars on a company that won't cover simple fillings. This company needs to be investigated. Take a look at their website; try to find a contact number or email. Try calling it. You will see what I'm talking about. Please go elsewhere.

Metlife did not cover dental cleaning. If I have this much trouble with a basic service, fortunately, I will never use or recommend them to anyone. Filing a complaint with the State of FL. Repeated calls have not resolved this incredulous issue. I believe the term is "Elder Abuse". I call it theft.

Sent a complaint in for bad treatment from a dentist in their program and I am still waiting to hear back. They mailed me the paperwork. Now I can't get any answers. I have been waiting over a month. Why is it taking so long? It was sent to the Dental Grievance Department.

I signed up for this plan over a year ago and have been paying premiums every month. Used it once for a routine dental visit for cleaning and evaluation, then again a few months later to address a needed crown that the dentist recommended. That was in 2019. The major problem then was a poorly functioning website that was almost always inaccessible and no real customer service to correct it. Then the pandemic. I received an email telling me I would receive a credit of 25% for two months premiums in April and May. Didn't happen. My provider all but shut down his practice. Couldn't change providers because the website never works. Can't change by calling because you get automated systems that fail or cut you off.

I've been trying to get a claim approved for 3 months now. I confirmed detailed coverage prior to having the treatment. While I am assured every time I call that my procedure is covered the hoops I have to jump through in order to get the money paid out is absurd. I'm not giving up but I have never had to fight so hard. They hope I go away so they don't have to pay me but good luck with that.

MetLife dental is currently trying to deny my wife's claim to a simple (and allowed by policy) dental cleaning. Unbelievable. It took me over 20 minutes to finally get through to a human being on the phone to try to determine why. Well, somewhat human. Rude and ignorant would be more accurate. My company has decided to lock in a 5 year contract with these clowns, but not me. Having priced easily available coverage non-group coverage from Delta Dental my wife and I will be electing to NOT renew group coverage from MetLife in November.

MetLife overpaid my son's dentist, who is a different provider than mine, and then refused to pay my dental claim, even though my son's dentist never received the over-payment letter, which I failed to receive, as well. My son's dentist requested an invoice to confirm the over-payment and it took 4 weeks and 10 calls to MetLife to resolve the issue. They required me to do all the legwork to get the over-payment from the dentist, even though it was their error in paying too much to the dentist, and never sent the invoice that was requested; only a soft copy of the over-payment letter. Thankfully, my son's dentist did the right thing by sending the over-payment back, but I am still waiting for MetLife to process my dental claim from June 2020 because they still do not have the over-payment check entered into the system yet. Why was I penalized for MetLife's error and why was it up to me to resolve their claim issue with a dentist that it is in their network of providers?

If I had a choice, I would never choose MetLife! Every time I login to see my claims, there is a message saying I cannot access claims at this time. They do not have an email where customers can write to. All they ask is to call a number. It is very frustrating!! I can tell that if in this day and age, when the most important data on MetLife, which is claims, is not displayed, they are a very disorganized organization and have incompetent staff in IT and Management!!!

I submitted a preapproval request for dental work in May 2020. MetLife approved the claim, stating they would pay me $1400 for their portion toward the covered cost of my procedure. I made decisions based on that approved claim. They mailed me multiple claim letters in the mail, stating they approved the claim and will be sending me the funds. They originally attempted to send the funds to my dental provider, even though I had already paid them cash, in full. Fast forward about three months (May to Aug), and MetLife is now stating they were wrong to approve my claim. They will not be paying me any money for the service I moved forward with, based on the information I originally received from MetLife.

2 years ago, I opted to receive my EOBs online instead of paper mailing. BIG MISTAKE. Since that time the claims information link on the Metlife responds with no claims available. I receive emails that my claim is processed and available, but the online access is broken. I am very frustrated, my phone calls to report this are placed on hold for long times, and some times I'm disconnected while on hold. The worst customer service ever.

I had reached out to Metlife about 2 weeks ago regarding my visit at one of their providers regarding the charges from the Dental office. I had told them they were charging me an extra $10 per visit on top of the regular copay for something to do with covid. The insurance company told me they were not allowed to charge me those fees per their contract with them. I went ahead and did a 3 way phone call with the manager at the dental office and Metlife representative when she informed the manager that she said she couldn't remove those fees and Metlife would have to contact their corporate office to rectify this.

I recently had to have a crown. The policy supposedly pays 50%. However, when I got the claim benefit notice, they only allowed $700 out of $1200. Then they took 50% of the 700 less a 25 deductible. They had a note about not paying for certain types of crowns on molars. So I called and found out they only pay full for metal crowns on molars! I couldn't believe it. Also, that is not stated in the policy. I had Metlife under an employer and had no problems. But now that I'm on an individual policy, it's a whole other ballgame. I have never heard of limiting the type of material you can get for a crown based on where it is placed. This is totally ridiculous and I will begin looking for something better.

Metlife Dental will do everything in their power to make sure your claim is not covered. Would not recommend to my worst enemy. Submitted claims to them multiple times and each time they presented some legalese about why it's not covered under their policy.

This is the worst insurance company for reimbursement. I had services done 12/27/2019 and I have 2 different dental insurance plans. Today is May 19, 2020 and I have still not been reimbursed for charges that were put on my credit card in the amount of $1410.40. I have called the claims department every Monday for the past 5 months. I get a different person every time and the call center is in Central America! They promised to call me back every time I speak to a representative and they don't. They will leave you on hold for hours. Because they have not paid I have had to pay interest on the charges on my credit card this entire time. They lie and are the most awful insurance company that I have ever had in my life and I am 61 years old. I would never recommend this insurance to anyone. They take your premiums and they don't reimburse the charges.

I moved in 11/19 to a different state where Met Dental does not have coverage so I cancelled and joined a different Company. MET LIFE is STILL making AWD from checking account AFTER I CANCELLED! They have withdrawed $220.00.

I have had MetLife dental FEDVIP for almost 13 years. It has always been somewhat of a hassle having to resubmit claims and fight for coverage. But the last 2 years have been HORRIBLE! I live in a rural area and used to be what they consider an "underserviced" area. Without notifying me they increased the mile radius so the dentist my family and I had been going to the entire time was no longer covered.

I received confirmation of coverage for dental work, then they denied the claim. They are trying to make up excuses not to pay and putting me through the ringer, terrible, terrible, terrible. Most insurance companies do this to a degree, but MetLife FLAT OUT LIED! Should be a law against this sort of brutality.

Delay simple covered procedures by claiming insufficient information or nonsense excuses such as they first need to determine whether they believe the restoration or necessary work is "warranted" as in they do not want to pay for anything. Repeatedly promised to pay for covered procedures only to deny the claims after the work was done. Waste your time and the dentists time with going back and forth. Website is obstructive as the agents and the claims denials are extremely late in coming delaying the next steps. It is bad faith, and fraud and this company should be fined, and put out of business, and forced to make restitution to their victims. Stay away from this company!!!! Next step is a complaint to the insurance commissioner and everywhere else I can file one. I have never had this type of obstruction, abuse and fraud in submitting simple covered dental claims.

I wish I could give this company zero stars. The worst ever. And worst part is, I'm stuck with this crappy, useless insurance until "open season" opens again in November. Once November rolls around, I'm going to go without dental insurance at all and pay out of pocket for a couple annual cleanings, because this is such a scam. This endless nightmare of never getting claims answered (30 days to review a claim!!!), and then getting constantly denied for things that should be covered is totally not worth the $60 A MONTH (yes, $60, and that doesn't count employer contributions) that I pay for supposed "high" self coverage. I can't wait to get rid of them.

This is the worst dental insurance company around. They deny claims constantly. By continuing to ask for additional information from the dentist or the client. I am constantly on the phone with my dentist and/or MetLife trying to get them to pay the claims that I am entitled to. My next step is to contact the Attorney General's office to report them. Do not choose them as your dental insurance provider if you have other options.

This insurance company is HORRIBLE!! I would give a negative star rating if I could. I have been going around and around with this company since June of 2019 to have the claim for my daughter's orthodontic care paid. They continue to tell me they do not have all the information they need to process the claim, when the orthodontist calls they say they have everything they need. They deny my claim requesting more information that has been given to them multiple times by fax and mail. Everyone I talk to at MetLife has a different reason for denying the claim and say. I am beyond frustrated with them, do not use this insurance company. The level of disorganization is amazing!!

I am a Retiree and when the Delta Dental Retiree Program was discontinued I made the horrible choice to go with Metlife High PPO, knowing my dental history and thinking it would be my best option. I was badly mistaken. I have had to constantly fight with them to pay for an extraction back in September which required a bone graft and an implant. They consistently make excuses stating they need more documentation. First they didn't get the x-ray, then they didn't get a Tx Plan, now they need a narrative and I am sure it will not end here. You can't speak to a Supervisor because of high call volume. I wonder why....

I had Dental Implants done in Oct 2019. MetLife dental insurance company will not pay the claim. I was told they will not cover nothing, I expected they to pay for the extractions. Not the complete bill of $43000.00...I did not expect to get much but I do believe they should pay 1 or 2 K at the most. I will be filing complaints with everyone I can...This is totaling wrong. I have been paying for the coverage for 6 years at about $60.00 per month...thru the company I work for. I will be canceling my plan in April 2020.

Long story short: the treatment plan which supposed 4 implants was approved by honor Metlife Dental. When the dentist send the claim they declined to pay based on invented reasons: first they needed to know if are initial implants or not, then the dates when the tooth were extracted. After sending all documentation they still do not want to pay. Rather go without insurance than with this company.

Please don't get this policy. Read the experiences others have had. This policy doesn't cover seeing the dentist except for 2X per year and that includes when the dentist does an oral check-up after a cleaning. It excludes many common dental problems that other good dental plans cover. Please see the overall rating of just around one star. That's a failing grade for sure. When I asked the MetLife people who provided oversight on their failure to pay claims, they lied to me and told me that the State Dental Commission controlled what and how they handled their business affairs. They even gave me their address and phone number. This is totally incorrect since this is a federal plan (FEDVIP) and the Office of Personnel Management has NO direct role in any disputed claims. Save your money and don't get Dental Insurance with MetLife!

I have had Metlife for years. I had 4 different dentists submit plans for implants over the years. They approved every plan. But when I finally found the right dentist, who also submitted a plan, they denied it. It is the same thing they approved 4 different times. I now owe my dentist $35,000 because Met Life refuses to cover what they agreed to cover 4 previous times. When I talk to them on the phone I get conflicting answers. Some reps claim they agreed to pay (then they don't send me confirmation). Some reps say it has been denied. They claim they have no records from past years. They are also arguing over paying for a crown. They used to be great dental insurance, but now it is horrible.

Customer service seems to be bothered when calling in for questions about coverage. I am really disliking their customer service skills and wish my employer had a different company for dental coverage. Hopefully we can get it change in the years to come or I’ll just be finding a different coverage company.

I changed my dental plan from GEHA to Metlife dental plan in 2019 and regretted so much. Metlife does not pay anything as they said they will. During the re enrollment season, I talked to representative and assured that they will pay for implants. So I proceeded to change to MetLife dental plan knowing that I would have 2 implants for 2019. They did not. Please do not believe what they say. Go with GEHA who was willing to pay for my implants in 2018. The only thing is GEHA has smaller limit.

I had dental insurance through Delta but switched insurance (with no lapse in coverage) due to job change. I had already had my implant put in the year before but needed to get a crown installed once the implant was healed up (had a bone graft). Several months after I switched to Met Life I went to get a crown. They sent it in to get it pre approved, but they denied everything because the tooth was removed before I had coverage through them. Worthless.

They deserve zero Stars. Unfortunately, I selected MetLife for veteran's dental insurance. After 2 months they paid $4 dollars in claims. Pre-approval for additional work took 42 days, they promise 30 day to make a decision, and they denied almost everything. They failed to look at the reason for the claim, conveniently, thus causing the pre-approval process to start over. Customer service sends you around and around to talk to different people. It is a joke. Please avoid them.

Once my dentist left the HMO plan, I tried two other dentists who tried to convince me I needed $4000+ worth of work and they took 50 X-rays. I went back to my old dentist to find out that I didn't need any work. I then tried to change my plan to PPO so I could see the old dentist. Nobody at MetLife knew what they were doing and kept transferring me. Some of the operators were obviously high. I will be filing complaints with the Dept of Insurance and reporting the dentists to their licensing boards.

If I could give this company ZERO STARS I would. By the instruction of my Periodontist, I was told that because of the nature of my case, he couldn’t see any reason for my insurance company to deny reimbursement if I decided to pay out of pocket. He said that because this was a preventative measure, that the insurance would applaud this proactive decision and reimburse me, because it would save tons of money (and time) should the negative predictions come about what could happen as a result of negligence. So; I decide to do it, and paid a good bit of money out of pocket.

In my own personal experience, MetLife cannot compete with most dental insurance companies or their plans! They're not offering affordable pricing, quite the opposite, and I suppose you have to find a your own dentist with the MetLife plan. From my own personal experience, MetLife is on the low end, 30 to 40% higher! I would suggest a person find a reasonable dental insurance company, as many are offered by your local dentist and the majority are below what MetLife charges!! Let your brothers, VA, know about the program as well as the Veterans Administration...it's highway robbery!!

They said in the brochure that implant will be paid but they do not. GEHA was paying for my implant but I was told that Metlife has bigger allowance so I switched to Metlife. It turned out Metlife costs more but when it comes to implant they made all excuses not to pay for it even though I was in the middle of the procedure and GEHA already paid for half of it. Metlife made it so difficult to claim anything.

I am a Vietnam Era Veteran. MetLife Dental Program website for Veterans is misleading. I enrolled in MetLife Dental program for veterans because of my proximity to VA healthcare facilities. I strongly recommend any Veteran considering the purchase of dental insurance from MetLife under its VA dental group study its policy very closely. MetLife pays next to nothing for outside network claims. I found it to be very difficult to find a dentist within MetLife network. I believe this is due to MetLife’s substandard dental fees. If you are a veteran and qualify for healthcare stay with the VA.

I was enrolled with Metlife Dental through my employer last year. I left the company in January and took the Cobra option to keep it as my two children were just getting started with braces. I signed up to make my payments online and did so accordingly until June of this year. I was going on vacation the first week of June and wanted to go ahead and make my payment online early so as not to forget it later. I logged in and made my payment or so I thought. At the end of the month I received a letter of cancellation. I was stunned and so I called Metlife. The rep was very rude and told me that it was cancelled for non payment of my June premium. I advised her of the date and time that I had made the payment and she looked it up.