Metlife Dental Insurance Review


Rating: 8.8 / 10 (Very good)
14 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from some partners. Learn more.
How is Metlife rated?
9/10
Coverage
10/10
Benefit Limits
10/10
Plan Options
10/10
Customer Service
7/10
Cost
6/10
Reviews
7/10
In-Network Dentists

Metlife Dental Review

Metlife Dental specializes in providing dental insurance for groups and is currently one of the top providers of dental insurance in the country. Included in their Dental PPO plan is full service coverage for retirees, a big plus when enhancing retirement benefits.

What's included with Metlife Dental?

Negotiated network dental fees are typically 15-45% below community-average charges

More than 400 covered procedures, includes co-pays for services such as implants, veneers, white fillings, IV sedation, general anesthesia and nitrous oxide

Expanded preventative and diagnostic benefits — providing co-pays for procedures such as brush biopsies and additional cleanings when appropriate

Defined fees for materials and procedures requiring multiple services (e.g., root canals, crowns and bridges) – minimizing fee confusion

Plan Reviewed

Metlife 2-9 Dental

How much does it save you?

Preventive/ Basic/ Major

100/ 80/ 50 percent with $50 deductible

Annual Maxium

$1000 - $1500

Treatments Covered and Reimbursement

Preventive/ Basic and Major services covered. 

 

Fine Print

Savings from enrolling in the MetLife PDP will depend on various factors, including how often participants visit the dentist and the cost for services rendered.

Plan provisions regarding eligibility and late entrants apply.

MetLife VisionAccess is a discount program and not an insured benefit. It is provided through Vision Service Plan (VSP), Rancho Cordova, CA. VSP is not affiliated with Metropolitan Life Insurance Company or its affiliates.

Deductible waived for diagnostic and preventive services for plans 1 and 2. Plan number 2 is not available in Mississippi and Texas.

Groups with no prior dental coverage, or without acceptable evidence of prior dental coverage can only choose plan 3.

Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonable & Customary charge is based on whatever is lowest among (1) the dentist's actual charge, (2) the dentist's usual charge for the same or similar service or (3) the charge of similar dentists in the area for a similar service or services.

Summary

Metlife Dental provides decent savings on group plans and is especially useful for small businesses looking for dental coverage. However, this is subject to the availability of network and participating dentists in the area. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Start your review for Metlife Dental Insurance

Latest Reviews

Loading Reviews ...
J
jene
Washington, District of Columbia
12/8/2016
Terrible company, it takes 24 to 48 hours to speak to a supervisor, if you call up again and request to speak to a supervisor the clock starts all over again for an additional 24-48 hrs. They do not ensure your cost is sent to your FSA account you have to do that yourself. No one tells you that there is a problem with your claim you have to find that out yourself when you log in to the account, It take 10 to 15 days to process a claim, even after they have had the claim for a month already because of some SNAFU on there end. you would think that they would try and expedite the claim for you. Just trying to get through on the phone to speak to someone is a nightmare. They have to hire more... Read More

J
JR
Greenville, South Carolina
11/17/2016
Shady despicable insurance company with no soul.

C
Charles Canon
Dallas, Texas
11/9/2016
This company can not get the statements mailed out in a timely manner, if you get a invoice at all. Also the worst customer service I have seen.

Madeleine Monat
,
11/3/2016
I have Met Life thru the Commonwealth of MA. I pay $360 per yr for the plan. My max is ~1200 per yr coverage. About 5 weeks ago I had an abscessed tooth. Met Life paid ~$50 and I paid $190. Today I received a statement from them telling me I owe my dentist $40. They don't cover more that 2 oral exams per yr even if you have an emergency. I used up the 2 at the first cleaning and when I had the abscessed tooth. It did not cover the exam I had during the second cleaning. I did not have my bridge replaced beoause they would cover only $900 and I would pay the~3500+. MY DOG"S HEALTH INSURANCE COVERS HER AT 90%. This is NUTS! I am going in search of another dental plan. I am... Read More

L
Lyn N
Great Falls, Montana
9/2/2016
Metlife is the worst. They are terrible at claims. They deny them every single time. They get kicked back with completely irrelevant reasons. I have to call every. sinle. time. It's so annoying. I may as well not have insurance. Don't ever use them.

L
lata
Houston, Texas
7/14/2016
I have MetLife Dental coverage since more than 4 years now. I got 2 wisdom tooth extractions in 2013 with patient's responsibility $97 and today (in 2016), I want to extract other two and patient responsibility is $327 which is more than 200% increase. MetLife has decreased their share from 80% to 60% and with increased cost, patient responsibility has increased multifold leaving patients with no choice.

I
InsurancerI sc
Rockmart, Georgia
6/14/2016
They have a lot of black holes they jump from and declare they do not cover. I went for an extraction at an in network dentist provider. The total service was $161.00 and they said the insurance would cover all but $58.00. When I checked out it cost me $128.00. According to the insurance the office was an in network provider but the dentist himself was not in network. And since I had my initial full exam in April and this being June, they would not cover the exam cost. Because it had not been six months and did not matter that my tooth had shattered and hurt and required immediate attention. This insurance provider will squirrel around every obstacle and create and excuse to not pay. I... Read More

S
Sean M
Philadelphia, Pennsylvania
1/27/2016
Horrible Expierence !! So my company decided to leave our previous Dental providr and go with metlife.Let me warn you, if you plan to use a dentist in which you submit your own claims your going to regret it. 3 weeks into having this company and I need to submit a claim. It's 2016 and they only offer Fax or Courier mail. No portal option is available for the consumer to submit their claims. Of the two choices I have I decide to go with Fax. I faxed my claim form on 1/8, not once, not twice, but three times. I called to see if they recieved it just to make sure and I was told I need to wait 24-48 hours. I waited 48 hours did not see a status online so I called again and was advised to wait... Read More

S
Shar SS.
, Louisiana
9/15/2015
They approved my dentist work planed then denied paying Saying the tooth "may " have been filled not capped I would have to pay an attorney plus have an independent dentist review case to sue for claim amount Wow if I had those funds I would be self insured Stressed, feeling ripped off and helpless Met life dental is a "dog"

M
Michael S
Villa Park, Illinois
8/11/2015
This insurance plan is awful. It pays for virtually nothing.

Start your review for Metlife Dental Insurance