Metlife Dental Insurance Reviews

Been trying to cancel since their coverage isn’t worth it. Filled out the form and still got charged. These people just can’t be bothered to answer calls or emails. They then referred me to their partner group America Association of Business. Also can’t be bothered to return calls or emails. Avoid this company at all costs.

Bottomline, if you read or hear about Metlife Dental Coverage, turn 180 degrees and don't walk, run the other way before you get sucked into their web of slight truths unless you're a stockholder of course. I will not make you sit and read through another story about how this company cheats their way out of taking care of the customer. Just be warned, they are NOT a trustworthy company and I definitely would not waste your time, effort and money on this place. They have no morals and blame their lack of fulfilling any obligations to the fact that the government wrote the contract that way, it is not their fault!

I have been contacting Metlife since March of 2017. I sent them a check for a over-payment of my services from October 2016 and was unaware I was not supposed to pay them but my dentist was. I have yet to receive my money and keep being told that the check is coming, the check is coming and here it is almost 3 years later I STILL HAVE NOT RECEIVED. Your customer service is horrible, no one there follows up like they say they will, but yet if the shoe was on the other the foot and I OWED YOU MONEY you would be harassing me for the money. You should have the same priority when it comes to paying customers their money back.

My dental coverage with Met Life was good but it was paid for by my employer. The coverage was discontinued in Dec. 2018 and I could not afford to pay for Met Life on my own. Good benefits but very high costs.

Zero stars, zero coverage. They cover nothing, their technology is decades behind, their website is always down, and all the customer service people do is say, "Yes, I know". I think their insurance is nothing but a money maker for their investments. I can't wait for open enrollment to get real insurance.

I got this insurance through the Veterans Affairs dental program and I have been paying 66$ a month for the higher coverage plan. They are supposed to cover 50% of my major and it's a LIE!!! LIES LIES LIES LIES! They only covered 35% because the tooth I got a root canal on was a molar and other people couldn't see it so it doesn't matter. Please tell me what logic is that. Why is a tooth in the back of my mouth any less important than a tooth in the front of my mouth! I wish I could cuss in this review because the words spewing from my mouth would show just how fed up I am with this. I have been paying 66$ a MONTH! And they aren't covering bull. They straight up LIE to you! DO NOT PURCHASE ANYTHING THROUGH THEM!!!

Several years ago our daughter had braces. MetLife paid the orthodontist too much. For years they've been working to get the $1,250 back from the doctor. We've gotten a couple letters through the years that say, "This notice is for your information only." It should be an issue between MetLife and the orthodontist. Today I get a call from my dentist saying that MetLife is denying my most recent dental cleaning because they aren't getting their money back from another provider. Not only are they making me pay out of pocket for service that is 100% covered under the policy we've been paying for since 2010, but they are also punishing my dentist for something another office is doing. Call MetLife, they admitted they paid out the wrong amount, but as the policyholder, I am on the hook to pay them back. They will do that by holding the insurance we pay for hostage until they get money back from THEIR mistake. Cannot wait for the end of the year to switch coverage.

This company did not pay one dime towards a bill for over $600 on four sealants and a specialized xray that my daughter needed for problems with her canine teeth. Ridiculous to pay the amount we have to pay for insurance and then say none of these services are covered. I would not recommend Metlife Dental coverage at all.

After reading all those complaints, has anyone done anything legally to hold them accountable? Same thing, had work done twice, Dentist sent forms, didn't get paid. He & I sent them again. ML claims they did not receive the claims and by the way the insurance you've been paying you don't have an account since 2016. I asked where's my money & acct? Who's sending me statements? I got my insurance through my job. A Surgical facility, so if they can cheat medical staff, they can & have cheated others. I have proof from 2 banks, Metlife received 7 checks from me, cashed them and said my acct is no longer there. The banks have also done a search on each check and I'm forwarding this to Metlife. I also wrote to the CEO of this department, don't really expect to hear from him, he's been discharged from his job.

Dentist said I need several crowns due to large fillings putting pressure on tooth structure and nerve. Probably will have to have root canal if I don't have the excessive loss of tooth structure replaced with crowns. Metlife will not cover so glad I dentist to send in x-rays and medical justification, but they denied. IBM should not use Metlife for their insurance options to retirees and eligible dependents since it is a waste of money.

This insurance is a scam. We bought it through FEDVIP for retired military members, and have been wasting money on it. First of all, they do not approve claims and constantly deny it saying the claim wasn't filed correctly. So far, we've been paying $50 a months, had cleanings, x ray and 1 crown placed, and the insurance only covered $34 out of $1600 of dental work! They keep saying that the claim is not filed correctly, but my dentist has been in business for decades and they file everything right. Metlife is a scam! You better off without dental insurance and simply pay out of pocket, it will be way cheaper. I can't wait till November to finally cancel this scam insurance!

Signed up -- autopay through a credit card. Thought all was good. A whole year without a claim. Moved to a new home, went to change my address. Couldn't log in -- so I called to see why. I was told my premium was canceled for non-payment. I said that made no sense. Guy told me that they were unable to charge my card so they canceled. I asked why I wasn't notified? He said they are under no obligation to do so. Really?

MetLife requests additional details from my dentist, then denies the claim. They regularly do this to avoid paying for your services. I will cancel this so called insurance at the end of the year and will simply pay out of pocket for dental service because it would be cheaper anyways than paying MetLife and then pray that they accept the claim!

I was off by 3 days for a cleaning - end of year. So when I was billed by my dentist I contacted MetLife and after explaining situation about date, and the fact that I moved halfway around the country they said they would pay it and I agreed that I’ll have one cleaning this year 2019. They turned around and lied to me and now won’t pay. I’ve been with MetLife for YEARS and this is how they treat their customers. Awful....lied to...terrible customer service.

I had a dispute with a preferred provider dentist. My EOB's gave me the total I was responsible for. The dentist disagreed. Their EOB is different. It doesn't include the patient responsibility. They just figure tack it on anyways. The dentist agreed I was paid up. 6 months later he now wants to renegotiate. Insurance company doesn't care.

Metlife Dental uses my SSN for doing business and refuses to provide an alternate ID number. Metlife claims in their website to use a unique ID # and not SSN but that is not true. I am initiating an investigation against Metlife for such practice.

As a World War II Veteran, I was pleased to learn that I could get dental coverage through VADIP. I am 93 years old, my dentures are almost 7 years old. They do not fit due to bone loss (because of age). Metlife requires 10 years before dentures can be replaced. In 10 years Metlife will receive $8,333 from one high end policy like mine ($833 annual premium). Just 2 years of premiums will recover their payout for my dental service. Isn't insurance supposed to pool the money from premiums to cover claims of the participants?

New to MetLife Dental, My wife and I submitted 4 claims so far, all rejected and requested additional details. Claim they sent checks, never received, requires to wait a month before they can reissue a new check then wait the 3 weeks for processing. 2 months 2 checks received. Additional information from my dentist sent, they claim never received and requested information again. This has to be a cash flow problem, hope they go out of business. Can't wait for my year to end.

They have no billing options except auto payments through a credit card. You can't even log onto your account online and make a payment. There is no paper mail bill, no email, and the only way you've notified a payment didn't process is their cancelation notice, which comes after the fact. What a garbage company!

The lengths MetLife goes through to deny claims are epic. I recently had bone graft surgery. The first time around, they refused to pay anything at all. I appealed, and the second time around MetLife covered everything EXCEPT THE ACTUAL BONE USED IN THE GRAFT. They are claiming the bone wasn't necessary. WTF??? They covered all other aspects of the surgery. Now they want ANOTHER appeal form detailing why bone was used in a bone graft. Incredible.

Once again, I am having problems with a claim from Metlife. I finally "wised up" and did not renew for the coming year. As I read another person's review, Metlife Dental Insurance is a scam. I could go into all the horror stories but just won't take the time. Metlife will pay for teeth cleaning - but that is about it. I had major gum surgery and they are disputing paying anything. My periodontist has sent in so much information... And yet they say they need more. Not worth the time and headaches.

When the dental office call them to confirm, they were told by MetLife that it was covered up to 50% of the cost. After the work was done, they denied the claim. Their excuse was that dentures was the alternative treatment and implants are not the recommended treatment. How will one tooth hold missing three teeth with dentures??? MetLife didn't pay a single penny toward the cost of the two implants and three implants were recommend. Resubmitted the claim again with the surgeon's recommendation that dentures is not the treatment and they denied the claim again. MetLife Dental Insurance is a scam and will not pay for anything except the basic cleaning.

Contacted Metlife Dental before procedure was performed to see if it was covered. Was told yes. Claim was denied. Contacted Customer Service. They claimed it would be resubmitted. Contacted them again, nothing was done. Customer rep was rude and condescending. Tried to avoid the runaround but it happened. Very frustrating. Now I know why some dental offices that take insurance do not accept Metlife.

My dentist said I needed a night guard due to my teeth grinding. If I didn’t get it, I would need painful and expensive surgery down the road. My dentist checked with MetLife for coverage, and they said it was coverage. I had the night guard made and all was fine... NOT!!! Once the bill was submitted, MetLife retracted their agreement to pay and declined. The dentist and myself both fought it, but MetLife would not budge! I had to pay it all out of pocket, over $500. Thanks MetLife, guess I won’t be eating much in the coming months. “DON’T GET MET, IT DOESN’T PAY!!!”

HORRIBLE! I was misled prior to signing up. I was told by its Representative that for major work there is a 12 month waiting period. I asked if a crown is considered major work. The answer was yes. My dentist was in the network. I waited the 12 month period for a crown. But when I submitted my claim for reimbursement. It was denied with the excuse that the extraction occurred prior to enrolling. During the question/answer with the Representative, I was NEVER told about that the EXCEPTION for major work coverage was a PRE-EXISTENT CLAUSE. Every time I called, every customer service gave me a different answer about the same question. I ended up paying every month Metlife Dental high premium and my crown.

Been covered under MetLife since 2016. The premium for me averages $300 a year. Finally needed some work done last summer. In as few words as possible: most of the work had to come out of my pocket for a filling, root canal, caps, X-rays etc. MetLife even sent a nasty letter saying that the remaining tooth structure did not qualify for treatment at this time. I suppose they wanted me to do nothing until the tooth needs to be replaced with an implant so that MetLife can send me another letter saying that my implant falls under a cosmetic category and will not be covered at all? Will be terminating this garbage insurance ASAP.

After hours of my dentist talking with 2 CSR back on 4/13/17 going over ALL MY PROCEDURES IN "ENGLISH" what would be covered & not. Now over a year later, Oh BOTH CSR gave us the SAME wrong information. Yah, we took your money for years but TOO BAD TOO SAD!!

We chose Metlife Dental Coverage (I do not call it Insurance) since she needed more than just preventive dental work. We have been paying monthly premiums for 18 months now. Her preventive checkup was covered. Her other dental work (that required a 12 month grace period to be covered) is turning into a giant project just to try and get her claims noticed. Although the claim info have been sent in multiple times, each time we call in to check on progress we get a new person, who tells us a different fax number to send the claim info to. I do not recommend Metlife as a Dental Prepayment Plan. I think it is a scam.

My husband retired over 25 years ago. Shortly after his retirement, I contacted Metlife to find out if his dental coverage would continue through retirement. I was told that coverage ended when he left his job. Never heard another word from Metlife. Last year we received enrollment cards with a letter saying some new thing was being started and here are our cards. I called Metlife and was told that we have had coverage all along and it was too bad that we didn't know it. I was told "No one would tell you that you didn't have coverage."

They don't seem to pay too much toward any type of Dental work... to me that just doesn't warrant even having dental insurance and paying a monthly premium if they don't hardly pay for anything. I could just save the monthly premium and just pay the dentist myself. I've had Metlife Dental for 3.5 years, and this year is the first time I've used the insurance for dental work I needed... this is includes cleaning, xray, 3 fillings, and a partial. Out of my total bills from the Dentist for everything I think Metlife paid about 20%. That is not acceptable at all. I feel completely ripped off. Needless to say, I'll be canceling my dental insurance with Metlife.

I have been in a very high depressed time with MetLife Customer Service. Every time I call them is always different person or agent and they provide a very unprofessional information and help. I have a problem with a dentist who reported a job he never did. MetLife sent me a letter to fill it out. I spent lot of time and effort but I finally did it. Months after they said they have not get anything from me and I have to do all over again. Also they accused me to sign some paper agreeing the bad dentist did a good job, I told me that is a LIE.

The only reason I went with MetLife in the first place was because it was offered through an employee plan. What a disaster it's been ever since. MetLife is one of the most fraudulent insurance companies I've ever had the displeasure of having to deal with. They constantly found every loophole in the book to deny every large claim I ever made. When I tried to get implants, they denied my claim because they said the extractions had not been done while I was a MetLife customers. It was a lie. Then I was forced to have to prove the extractions were done by the previous dentist who only promised they would provide proof that the extractions were done under MetLife coverage. But they lied too, and I never was given the proof I needed to get MetLife to pay for the work I had done.

I had the surgeon to remove a broken tooth and do gum surgery, implants for the broken bridge and they did not pay. The rules say if it is a replacement prosthesis. It replaced a broken bridge. I have yet to hear of the claims after the denial to the dentist and surgeon. My benefits sites says processed and denied. I am taking small claims court. Please someone tell me the name of the insurance representative for the North Carolina Charlotte area so I can complete the court forms. It will give me justice to do it if I don't get a dime.

October of this past year, I had MetLife Dental insurance through my temp agency. I started my permanent position Oct. 2nd. I needed a root canal badly. I called the benefits department of my temp agency who told me I was covered until the Friday after I started permanent, which would be Oct. 6th. All went well at my appointment Oct. 5th until January, when all of a sudden MetLife or my temp agency, whichever one, decided to backdate my coverage until 09/30/2017, making me non-covered on my DOS. 3 months later! I feel completely lied to, and not only that, I now have to pay for it. MetLife even told my dentist that I was covered on that DOS. Seriously, 3 months after the fact you just magically changed your mind and got stingy over paying $330 dollars for my root canal? I feel so lied to. And financially, this hit me really hard. HORRIBLE!!!

Wanted dental implants. Surgeon sent pretreatment request and it was approved that they would pay the 50%. They would cover $1893.00. Had the treatment a week later and they denied it leaving me to pay the additional $1893.00. Called right away and was told they didn't know why it was denied and would resubmit right away. Not taken care of and had to call again. It was explained to me that because I had dentures 9 years ago that they would not cover implants. It is only covered every 10 years. I ask, "Why didn't you state that on pretreatment request". "Oh, we don't check the frequency of items on pretreatment requests". "Why would you not do that. If it determines your coverage, why don't you check it. It makes the pretreatment quote totally useless". Their answer, protocol.

I have had MetLife Dental Insurance for the last 3 yrs. They say that they pay a certain percentage, but then they take the bill, cut the amount in half and pay whatever the percentage is on the half. So basically they pay almost nothing, if they decide to pay anything at all. I have had the majority of my claims denied because they don't have enough info, (dates that the original work was done, which was like 20 yrs ago). Who can list the dates that they have had each filling put in, really. This insurance is a joke! And I am sorry that I spent money on it instead of just giving it directly to the dentist, which would have been cheaper in the long run.

My Dentist’s office had submitted an approval for bridge work in first week of January 2018. As there has been no response in writing either to me or my Dentist for over 3 weeks my Dentist’s office has been calling MetLife for a resolution. On each occasion they have stated that the approval was pending. As my Dentist was not getting any positive responses they requested me to call MetLife directly. On calling MetLife, initially I was told by the agent that the case was pending, on questioning further she told me that the request was denied but refused to give me any details. I requested her that MetLife sends a written confirmation with reasons for denial and she could not confirm that.

I recently had my wisdom teeth taken out and MetLife was suppose to give me a claim check. Of course being the ** company that they are they have failed to do so after 4 months. I have consistently been on the phone with these people for 4 months now, they tell me they have the "incorrect address". I tell them to change it each time and every time I call again they say they have the wrong one. The company I work for faxes them the correct and still they have incorrect one on file. MetLife likes to play these games with their customers because they are too cheap to pay out. I will be getting an attorney and finding a new insurance company. If I could I would give them zero stars.

I went in for 6 month+ dental check up/cleaning/etc. Hygienist said I was due for certain type of x-rays, that it had been several years since the last set. I trust the hygienist (& my dentist) to know when I am due for particular procedures & when that is covered by my insurance. For instance, they do not schedule my 6 month cleanings/checkups unless they exceed the min. 6 months that Metlife requires.

If I could leave a 0 star rating I would. I have submitted 6 claims in 2017 for basic dental cleaning. MetLife Dental is 0:6 in processing the claims without running through hoops and waiting MONTHS for the refund. Every time we submitted a form we were denied and told we were not members, I would email them to straighten it out with the denial reference number they provided and every time their automatic response was, "Don't have a claim for that person." If they didn't have a claim, why are they sending me a denial?!

I went to the dentist who wanted to perform a panorama xray. I had them contact MetLife Dental before they did the xray as I could not recall how long it had been since I had had a panorama xray. They said I was eligible for one but when my dentist billed the xray MetLife dental refused to pay for it as it had been just 3.5 years since my last one. I had relocated and changed providers so I could not remember. I highly advise not selecting this dental insurance if you have other options. I have now changed insurance carriers and will advise all to not choose MetLife Dental.

After wasting an hour trying to get an answer to a very simple question, I found their website doesn't contain accurate information and they do not seem to care. It is January, I had a 2 dental claims in December but they do not show up on the website. Even though it allows you to search by claim number and time periods it will ONLY display claims from 1/1/18. That sucks! Not only because you cannot get the info you need, but they make it nearly impossible to speak to a human that can help. Then you have to wait at least 20 minutes and they refer you to another number. The only thing they could tell me is that the website doesn't work correctly. Duh! I know that. Why bother? I gave up, again they suck.

MetLife denied saying there wasn't enough decay to justify replacing the crown. I have about 16 crowns. I guess they want it decayed so bad, that you can't replace the crown. Usual insurance. Make up an excuse so they don't pay the claim. MetLife dental insurance is the worst I have ever had.

I saw my dentist in July, 2017. I needed some work on teeth that already had work on it, so my dentist recommended sending MetLife a preauthorization with X-rays to determine my exact out of pocket expenses. The preauthorization was sent to MetLife on August 1. MetLife claims it was never received. Sent a second time in September. Another call to MetLife, they said it did not receive the preauthorization or the X-rays. Sent again in October with a promise to have it reviewed within 30 days. Still no word. Phone call to MetLife following up and it has not been reviewed as of 11/27/2017.

Try calling them... No human, ever. Simple Question, "nope, we don't care." Tried to call today regarding a Dental question. No. 2 seconds yes/no. No. "We don't care about consumers, working for a small fruit company with a heck of a network and we chat... A LOT." Keep it up. 80,000 employees here and abroad. Let's unite and unemployed them. Hey United, you look great right now.

Met Life denies claims which are legitimate and have just been coded wrong by the dentist. My dentist files the claim with what we both thought was the correct code and it was denied again. I spent hours contesting this denial and got nowhere. I was told by a supervisor that if I were to contest the denial I would be wasting my time. Here is my beef with this company. Talking to their representatives or supervisors is a waste of time as they have NO authority to do anything but read off the computer screen what you already know. I have dealt with Met Life before when I was working and wasn't pleased with them then. They are just awful.

I am a disabled veteran, Metlife was/is offering a dental insurance program on behalf of the VA (Veterans Affairs). So I signed up for a 1 year contract or commitment that gave coverage to my wife. Come to find out, the insurance covered very little, and I would've saved money if I'd have just paid everything out of pocket, but that's besides the point. I agreed to a 1 year contract, so I fulfilled my end of the agreement.

Beware - Metlife claims that you can get two dental cleanings a year but they will look back at claims they refused to pay in 2016 and use that as a starting date for why they can not pay for the two cleanings in the current year. Certainly cheaper to just pay out of pocket and skip this type of coverage. Seems like they want to create rules to not pay out on claims they they should be covering.

My husband and I are double covered. My first is Delta Dental. Love them!!! Metlife is secondary. Delta Dental paid $700. Remains balance owed is $268. Drum roll please and Metlife paid a whopping $16. Ta da! So I owe $250. What in the hell is wrong with this picture??? Piece of crap company. I'll soon be shopping for some health coverage as I'm retiring. Guess who I won't be calling. Save your money folks. Get your company to go to Delta Dental.

MetLife loses Tricare dental contract, this Reservist rejoices. Before deploying, I get a postcard informing me our family dental insurance had changed. Curious, I call MetLife. Yep, that means you were canceled for non-payment. Why? Autopay wasn't working, money didn't come out, my fault, no insurance for you. Fair enough. I pay premiums through end of MetLife contract (Hooray, and many thanks to whoever pulled the plug on them!) and head off for deployment.

My husband has been carrying this insurance since January 1, 2017. Imagine our shock when our dentist called to state our claim was denied. Metlife apparently, after sending out ID cards, and having the monies deducted from his paychecks twice a month, is claiming he never enrolled! Multiple calls and supervisors later, the issue has still not been resolved, and we are no closer to a resolution than when this first began. No empathy, nothing but a curt "there is no coverage" has been uttered. I am half tempted to report them to the insurance board since this is absolutely ridiculous.

They count your cleanings as part of your deductible and don't give you much to claim. If you get 1 crown and 2 cleaning you are done and sometimes you have to pay extra!!!

Forced to Metlife by employer. AWFUL! In metro area as large as DFW, there were NO viable dentist to choose from are "in network". In 30 years of using dental insurance, have never had virtually ZERO choices and poor claims response.

Very good dental insurance and I wholeheartedly recommend. Pricey but not so bad really; I am on a fixed income so everything seems pricey to me these days. Customer service is great. Good benefits and truly affordable monthly rates for my plan.

I've had this insurance for over 10-years. The coverage has gotten progressively worst. Sometimes they pay for services and other times not so. I may switch plans.

I am retired and had Aetna Dental Care. I am out of town and need to see a dentist. I call ADC to see if anybody is in my network, and they told me that MetLife took over my dental care 2 years ago. I have received anything from my retired company or have I received any Dental Cards with ID Numbers or could I find a freaking phone # to contact anybody to get a card, so I can see right now that this company is going to be a Big POS, and I see how they save money, they don't give any phone numbers and when they do you have to have an ID number to enter to be able to talk to someone, and I don't have a freaking card.

My place of employment decided to use them. My Dentist who I confirmed are in their system, billed 100% to my credit card. After contacting my Employer, they contacted Brown and Brown who are the contact for Metlife. I have not received a response from my employer, Metlife, or the Dentist. I have a phone and email. In today's connected society how hard is it to send a text or email "we are reviewing your claim."

Metlife is such a terrible Company to deal with. They are so incompetent on every level. On hold forever, no Supervisors are ever working. They will have one call you back in 3 business days. They never want to pay for claims, my poor dentist faxed over the records they required 3 times and still no payment. Now they say they overpaid a claim from 2015 and deducted it from my claim and the dentist sent the funds back to them as a courtesy! If you can avoid them I cannot. My Company has them for the benefits. I would suggest you go somewhere else. They are the WORST!!!

My dental benefit (ha!) includes $1750.00 life benefit for orthodontal work. I paid my orthodontist, they filed the paperwork with MetLife. MetLife will now reimburse me the lifetime benefit of $1750.00 by $350.00 increments quarterly. It will take over a year for me to be reimbursed for a benefit I had to pay out of pocket. Nice way to get an interest free loan MetLife. And, as a bonus if I leave my company or end my policy or die, MetLife is off the hook. That's right, I never see my 'benefit'. Hope the fat cats of the insurance hustle choke on one of their expensive dinner pork chop bones and die an excruciating death in front of their loved ones and the loved one then never sees the fruition of their deceased's 'benefit'. Now that's anger and hate for the game and the player!

This company has the worst customer service of any company I have ever dealt with. The representatives are rude. The information that they give out is different from service rep to service rep. I will not use MetLife for any other insurance after all the problems I have had with MetLife Dental.

I had dental insurance through my employer. Metlife Dental. We had 2 claims that we submitted for services on 1/4/17 and 1/19/17 - faxed the information to them 1/26/17. They began processing my husband's and then stopped and never started on mine until 3/1/17. Each time you would speak to a representative you get a different story. Today I spoke with Grace who told me my date of service was 1/4/16 a year prior and that both of these claims were denied. She sent me to a new Escalation supervisor named Debbie who sent another request to have this dentist name added which can take another 30 days, but I spoke with Leslie on 3/21 and Jo/Jose on 3/1 and 3/14 that both did the same thing!

Cannot say how disappointing this coverage is. Got this when I retired and lost Delta Dental. Trying to get reimbursed since December on a tooth extraction. It's now mid-March. Back on the phone where we are told it's our dentist's fault, dentist is saying it's MetLifes fault. Then we're told it's taken care of (happened 3 times) then in a week we get a letter declining reimbursement. Good Luck.

I have regular dental checkups, one every six months. Metlife wouldn't cover the last two because of a wording technicality in their contract. Metlife is the worst insurance company I've ever seen!! Poor customer service and rigidly stingy. You can do better, much better.

I was able to get a better dental plan from my new employer so I called in August to cancel Metlife Dental. I asked for a confirmation number and they said they don't give confirmation numbers. Seemed odd to me that a business wouldn't give a confirmation number but I expected at least an email for confirmation but I received no follow-up. They said I'd still have to pay the next month's fees and I figured that was standard so I said alright and went on with my day.

This company is THE WORST!! I want my Delta Dental insurance back.:( These guys won't cover ANY PORTION of my dental implant, even though it is clearly stated in my benefits that they are covered. They are trying to say that they won't cover it because my tooth was congenitally missing, and that they need a record of an extraction. Ummm HELLO!!! I was born without the tooth!? How would anyone have a record of it being extracted!? These people will ** their way out of paying for anything. THE WORST!! They also will give you the run around over the phone (and email) and give you a lot of conflicting answers from person to person. I will be dropping this insurance like a hot potato.

I have been fighting with MetLife since 2012 for a small amount which has never been paid till date for my son's 1st phase of treatment. Now MetLife wants me to pay $900 more for the 2nd phase when initially they agreed to pay all charges.

I recently paid out of pocket an out of network periodontist for 2 visits. The office staff submitted my claims for reimbursement. I checked on the claim 30 days later to find neither had been paid. I called Metlife, (which was not easy, as it is almost impossible to reach a real person or one that speaks English). I was told by a representative that they needed charting before they would pay. I called the dental office to ask that they send the charting. They sent it that day. Neither the dental office nor I had been notified by Metlife the claim had been denied, it was just luck that I checked on it.

I never received a booklet that I was suppose to get when I got this coverage. That being said, I had no idea that there was a max amount of $1300 for a spouse. I went and got my wisdom teeth out (the estimate showed my insurance covering the majority of the procedure) because they were starting to bother me and was uninformed that I had NO COVERAGE left, so here I am paying out of pocket for all 4 of my wisdom teeth getting extracted.

I sent a claim for dental services totaling $1,880. I sent the X-rays with it. MetLife refused my claim because they wanted X-rays which I had already sent and my dentist had sent separately. I called MetLife today and told them to look through my filings. When they did, they confirmed I had sent everything and would now process the claim. This happens ever single time that I send a claim other than the normal dental cleaning and X-rays.

For the last 3 years we have had challenges with metLife. I had 2 crowns applied almost 3 years ago, discovering after the fact (even though MetLife initially approved the procedure) that I was no longer covered. So we ended up reimbursing our dentist in full just a few months after we were PCSd. So WE paid a few thousand for 2 crowns. Fast forward 2.5 years. The crown popped out during routine dental hygiene in our current dentist office. The dental office staff called the insurance company in advance who told them that "they had no record of having initially paid for the existing crown." This led the dental office to believe the replacement crown would be approved and they went ahead and provided me with a new crown. Fast forward 7 months - we get a bill from the dentist saying that MetLife DENIED the claim. Hmmm.

I never had any serious problems while I carried this policy. I was always treated in a courteous manner. My questions were always answered in a quick manner in which I easily understood. I found the claims process very simply to use and was happy with the way in which my claims were handled. So I was satisfied and stress-free anytime I had to get involved personally in this process. As far as I was concerned the value I received made me feel as though I was getting the return I expected for any and all situations. So for me it was a good experience. The network options that I personally had to deal with to me was an easy process to follow so I always had a positive experience when ever I had to get involved with these.

I used the coverage for free cleanings and also used them twice for extractions. The staff at the dental office took care of everything. There was never an issue with claims processing as far as I know. I only ever paid my copay at the time of service. The staff at the dental office never approached me for any reason so I can only assume the speed was okey. It was addon to my existing health insurance through my employer. The value was great. My premium was less than &15 and I had some dental work done at the time. I know that my preferred dentist was in the network and I had no other issues related to network coverage.

They were very nice and willing to answer any questions I had. I was nervous but after felt more educated and more confident. I appreciated that I could talk to a real person. I think that it is very valuable and that it was worth the price. I don't know all that much about network options because I haven't experienced all that many different network options.

They are very helpful with issues. Had MetLife dental insurance. They are a very good company, pay for a lot of services. Very happy with this company. Process claims in a timely manner, never have to pay out of pocket expenses, would recommend, never had any issues. Good premium and not a lot of out of pocket expenses paid for a lot of dental and all preventive services, x-ray, cleaning and various others. Had no trouble finding a dentist in network. Love this insurance. Would recommend to anyone if they need a good dental insurance, not a lot of expenses.

The customer service was so so, not horrible, but not outstanding. I feel it could have been better, but at the same time the people trying to help me were actually caring about me as a person. The claims processing time was a bit slow, but the outcome of the service I was given completely made up for it and I am happy I chose this company over others. The value was pretty good, not too costly, but a little more on the costly side. At the end of the day the service was really nicely explained to me and I am very happy with the outcome. The network options were pretty varied with a lot of interesting choices. I actually had a hard time choosing, but that isn't a bad thing. I am satisfied with the options I had and can't ask for more.

Easy to submit claims and to understand the coverage. Customer service was easy to reach and very courteous and helpful in explaining coverage amounts and procedures. Claims were handled in a fast, efficient manner and never delayed, and all claims were processed within the estimated time window. No claims were missing or delayed in any way. The value is great for regular checkups and cleaning and often require no additional payments. Payments for additional work such as crowns and fillings help offset to the total cost of the procedures. The network includes many local doctors and specialists that can provide service for all required dental procedures and the in-network benefits are worth the cost of the insurance.

My claims were handled well. Interactions over the phone were pleasant and professional. It wasn't stellar but it wasn't bad either. I ultimately didn't stay with them. The claim time was about one week, which was about average I suppose. I know that it takes time for things to process, but I feel that there could be some possible improvement to speed things up. I was able to reach my deductible relatively quickly, co-pays were reasonable and I was able to work within the network. It didn't cost me as much out of pocket as I expected. The network was very wide and I had many choices. My usual people were in network which made continuing to see my usual people possible.

They told me that the only thing that I could do was to file a formal complaint and include proof of pre-approval and request a review from their review board. It was very long. It took over two months for the initial response to the claim. And, it took slightly more than three months to get the results of the review board. The premium were relatively high. They were taken out of my pay automatically every two weeks. But, considering that they never paid for any claim, (even small ones) the value didn't even come close to the cost. The network provider options were very poor. When I signed up there were several dentists in my area. But, when I first went to use it none of them were in network. The closest in network provider was over 50 miles away, and it took over two hours to get to them.

Great customer service and very affordable plans. I was able to use it with my medical insurance which saved me even more money. Everything easily available online. Easy to add new spouse and new family members! I'm very satisfied with their service. Very satisfied with the processing time. Shortly after visit we would receive in the mail a letter stating everything that was covered for our visits. It made our visits pain free and worry free because we knew everything was covered. Very satisfied with the value of this insurance. They always kept their word and they absolutely value their customers and bend over backwards to help in assisting with their customer's complaints. Extremely happy with network options. All information is readily available online. The plans are very detailed explaining all that is covered and the cost for single or family. Many plans to choose from that fit you and your family.

GREEDY company that uses any opportunity to avoid paying. My daughter is in college overseas and can only come for cleaning during her breaks. MetLife of course has no coverage overseas. So we asked that instead of applying 6 months rule between cleaning they would authorize twice per year cleaning, so she could get one service slightly earlier during her Christmas break. But they refuse to budge. So this means that even though they collect premium payments for the service, we only are covered for one service per year, and have to pay additional $140 for the second service ourselves (although it means only one month difference in their calendar). They also don't cover tons of services needed for the kids. I would drop them at a heartbeat.

The negative reviews on MetLife dental are accurate. As a dental office, we have dealt with them for years. They seem to be getting worse. A predetermination was recently received. Clearly stating what they would pay for a procedure, the patient paid her share upfront. When the predetermined work was done, the claim submitted, and payment received, it was one half what they had said they would pay. No valid reason. Upon multiple calls to their representatives, the claim is always being "reprocessed". It has been 5 months now. No one can affect any change apparently. Even the supervisors only send it to be "reprocessed" over and over. No change. Obviously the patient does not want to pay either, as MetLife had promised a specified payment amount. Dental office caught in the middle. Union Pacific Railroad - Drop MetLife Dental for the good of your employees.

As you know, they delay until you die. On claim receipt, they do not post receipt for days, adding time, then tell you they have 30 days. Then they SIT, ask dentists to send more x-rays or whatever, SIT, then pay zip. Billing?? NOT even MetLife. It is a GREEDY inept co. named Mercer, IOWA, as part of Marsh financial. THEY are uncaring nitwits that mess up the already INCOMPETENT greedy MetLife morons. NO dental ins pays real cost, YOU DO!!! If your premium is $40 a month, 480 yearly, maximum coverage dollars to YOU annually = 1200, then you paid 480, for 720.00 more!!! What a DEAL, plus headaches and lies!!!

No payment received after performing surgery for their insured. After a year waiting for MetLife dental to pay a claim they denied payment. The reason is because they said that the pt is not longer eligible, and it's true. The problem is that he was at the moment that we perform the surgery, even showing that we have a copy of the breakdown that they send to us by fax. They just don't want to pay and this is not acceptable. We are in network with MetLife and THIS IS THE WAY THAT THEY TREAT US...

I have been fighting for about a year and a half with MetLife because they billed me twice in one month. I still have not received amount of the overpayment. This fight started around June of 15. Despite that, I have been paying my premiums on time. Today I received a letter from MetLife requesting I pay them because they paid my dentist too much. Confused I called to inquire. Calmly they explained that my coverage was cancelled around February of 15. Now I'm really confused and starting to get irritated.

I had prophylaxis and some other miscellaneous charges that MetLife picked up, but when it came to fillings they just didn't do squat. I had 3 fillings and an inlay and they only paid 45 bucks. Poor service at nearly $40/month!

My dentist told me I needed 2 crowns. I've spent the last 4 months trying to convince MetLife that yes, they need to cover the procedure that my dentist said I needed done. I can't figure out how a MetLife 'consulting dentist', who is thousands of miles away from me can make an informed decision on what procedure needs to be done. Now it's open enrollment. Goodbye, MetLife dental. You've lost another customer.

I am a billing specialist at a dental office. We are out of network providers but we still file claims for our Metlife patients. We have had so enough dealing with Metlife! It generally takes multiple phone calls, holding hours for their rep, several correspondences for Metlife to take care of one billing problem. Their representatives often give attitude (some of them are very rude), their supervisors aren't capable of making things better (some of them are the same rude). They often lie to us that "everything is all set", however, when we call back to follow up, will just find out NOTHING was done properly. They make billing errors, wrong payments, incorrect processing on a daily base. Terrible overall. We will stop filing for Metlife patients soon.

MetLife agreed to pay for a 40 year old dental bridge which needed to be replaced. When the bridge was removed they discovered the anchor teeth was decayed and needed a crown. This was done last October and I've had to appeal their denial of the bridge because of the additional tooth which needed a crown. I have two MetLife dental policies. I'm angry they are only paying 1/10th of what they agreed to pay. The next open season I will change from MetLife. The work done was over 4 months ago and we're still in limbo.

Back in Dec 2013, my 3 daughters were seen at by a dentist while we were stationed overseas and I paid out of pocket. Upon return to CONUS, I received reimbursement for one of my daughters but the check for the other two kept getting sent overseas despite my calling and correcting the address multiple times. Each time I called, there was a different excuse and sometimes, the check for one daughter was lost or processed in the wrong department. Finally in Dec 2014 (a year later), I asked to speak to a supervisor who promised that I would get the check in January. Yet, I just called today in mid-February and was told that the request only involved one daughter and was again sent to the wrong department. I asked for another supervisor who promised I would get an apology and my checks shortly. I'm not holding my breath!

My MetLife dental insurance ended 8/31/2014. However as of 2/9/15, MetLife has continued to bill my checking account each month. I have contacted them and they have assured me insurance was terminated on 8/31/14. I have made many calls and spent much time on the phone but they have not responded.

Terrible customer service in billing dept. Put on hold for over an hour and no one was able to be reached for a billing matter.

We compared all the payments made by MetLife with our orthodontist's record of payments received. Despite the fact that out EOB said the max had been paid, they were one payment short. I found the mistake. They changed the date they sent payments. On the month of the change, no payment was made. I have called them 5 or 6 times. After going through the complicated process of verifying each and every payment, they saw the mistake. They would then send it to their audit dept who would come back and say there is no mistake. Finally a supervisor saw the mistake, admitted it was a computer glitch and had been happening. My info would go to a claim advocate. Where it has sat for a month. It apparently took two weeks for the supervisor to even send it to this claim advocate. To, me, it's clear this is a game. It's 2014...a computer glitch, really? They make getting to a human in their phone menu, difficult. This seems to be on purpose.

I was told I could have a crown replaced at a certified dental school and then file a claim. I did so and immediately was denied saying they lacked a "treatment plan". The school complied on the same day. I was told to wait 30 days for a decision. Metlife never followed up and again denied my claim when I called them. They now said they didn't have x-rays. The school again complied immediately. I was again told to wait 30 days. When I followed up again, they now said they needed a letter from the dr. explaining the work done and why.

I had to have a crown on June 17, 2014. I submitted my claim, as my dentist is out of network. My claim was processed and rejected on June 25 because MetLife needed x-rays. My dentist sent x-rays on July 17. My claim was processed and rejected a second time on July 22 and I was informed that it was rejected because the crown was apparently replacing an existing crown.

About 10 months ago my dentist informed me that I needed a partial crown to repair a tooth with a previous filling that was deteriorating. Because my dentist office, which I have been going to for decades, is not in the MetLife preferred dentist network, I ended up having to put the entire balance due on a credit card (about $1500). I then submitted my claim and did not hear back from MetLife for a couple months. At 1st I figured that it may be taking them longer to review this claim since it was much larger than most of my typical claims for regular cleaning, etc. However, I finally called after a couple months and was told that they were waiting on additional information from my dentists. When I asked if they had contacted the dentist they said no that it wasn't there policy to do so, or something like that and that I needed to contact my dentist to get them to provide additional information.

I recently retired from the USAF on April 1, 2014 after 24 years of service. I received a billing stating for the month of April 2014. I contacted a Metlife representative and asked if I needed to mail the payment or was it still being withdrawn as a direct debit. She verified that it would be a direct debit and that my family would have coverage until April 31, 2014 for dental care. I scheduled my daughter an oral surgery appointment on 14 April to have her wisdom teeth removed.

I have had a number of negative experiences with MetLife Dental, many of them similar to what other reviewers have written. I went through two appeal processes because MetLife would not cover my husband's (very necessary) periodontal work; there was clear network insufficiency (no in-network periodontists within 300 miles) and though we had already met our deductible, we were then subject to an "out of network" deduction and paid nearly the entire periodontist bill. It would be less aggravating and cheaper to have no insurance and I look forward to the renewal date when I will be rid of MetLife forever.

I've worked for several companies in the last 3 decades who've offered dental insurance through MetLife and I've seen their service and their coverage deteriorate to the point that they're virtually worthless. After years of braces, my 22-year-old son was left with straight but, unfortunately, severely damaged gingiva which has required tissue transplants from a periodontist. It took MetLife 10 weeks to even acknowledge that they'd received the statements from the provider (the subscriber ID was missing a digit but MetLife said they couldn't find me even when they were given my social sec #). I complained on their website and finally received a call from their "customer advocate". She did work hard to get things resolved and I received about 23% of the total claim in March 2014...for treatment performed in early December 2013 and early January 2014.

I had MetLife insurance through my previous employer. When I left my employer in February of 2014 for a new position with another company, Metlife sent a letter to me and my dentist requesting a refund for services rendered in September of 2013 and stated we only had 45 days from the date of the letter to notify them if there was any discrepancy. Note that the letter was dated over one week earlier than the date I received the letter. When I called, they told me my benefits were terminated by my employer on September 1, 2013. This wasn't true.

Joined MetLife, mailed $135 check required for Option 2; however, they put me in Option 1. Dentist requested 2 times (in writing, I don't know how many times on the phone) for preapproval on a crown that was supposed to be covered in Option 2. 2 times myself and the dentist received denial notices saying that a crown was NOT covered in my policy. This went on for 3 weeks out of the $135 coverage time period and then dentist received a call (all of this is documented either in writing or recordings) that the crown was covered and they had corrected my Option 2 selection. Because of these delays the crown was installed after that month's coverage and I had canceled. Why pay for another month when MetLife had already made a free $135 off of me?

I am an Office Manager in a Prosthodontist office in Texas. We are not a Provider office with MetLife. Mind you, a Prosthodontist specializes in tooth replacement via crown/bridge/implants/dentures,etc... I have been in the dental office management field for 24 years. I have been having such a horrific problem this year with getting MetLife to cover implants and all related procedures for our MetLife patients, despite the fact that their plan coverage booklet states clearly that implants are covered. If it's stated that they are not covered, I call the ins. co to get clarification as to the benefits available for the restorations that would be placed on the implant and abutments. We then give the patient an estimate for the treatment and if the patient chooses to proceed, we start their treatment.

A cautionary tale about a root canal gone wrong and the time suck of dealing with MetLife dental insurance. My warning: get a second or third opinion for any dental or medical procedure! And make the dentist be very specific and clear how much it will cost. Because if there's any question as to the medical necessity of the procedure, MetLife will make your life hell when you're trying to get your money back!

My complaint is very similar to Fatima's of New York, NY on March 2, 2012. MetLife sends you a goose chase every step of the way. My dentist sent a narrative explaining why I needed general anesthesia for a tooth extraction more than two years ago. I've been told by MetLife that they still need this document. One time I was told by MetLife that they had the document but the claim for covering the GA was denied because it did not reference the tooth in question; it did! There are many more chapters to that part of the story.

I am so fed up with MetLife's antics. I had problem with one of my molars and needed an extraction, graft and implant. MetLife paid for the extraction, but denied the graft. Reason they gave was they need narrative explaining why the graft was needed. I called MetLife to clarify what they were looking for and they told me to write on the EOD that the graft was done in preparation for an implant. I had the dentist to do it. It got rejected as a duplicate. I sent it myself again, and it got reject as a duplicate again.

My name is Jenny, I am a dental office manager in Ohio. My provider recently decided to drop out of Metlife's PPO program (an organization which practically bankrupts dental offices all over the country). Directly following the dropping of the program (approximately a month ago), Metlife has started to deny claims for ridiculous reasons. I feel that this is retaliation against us for dropping out of their PPO program. Regardless of our choice to drop the PPO, our patients pay their premiums every month and this company continues to deny basic claims (cleanings/x-rays), things they claim to pay 100% on. They denied one of my patient's Periodontal Scaling due to age! Are you serious? Perio is linked to almost every serious condition including diabetes and heart disease, and you're going to refuse my patient (who's 80 years old) a $900 procedure which could help her to prevent these serious health conditions? Yeah, Metlife I'm on to you.