Metlife Dental Insurance Review

Rating: 8.8 / 10 (Excellent)
26 Customer Comments & Reviews - see all comments
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MetLife is currently one of the largest insurance, annuities, and employee benefit providers around the world. Founded in New York in 1868, the company services 100 million customers in over 50 countries, providing them with a wide array of products and services such as life, accident, health, critical illness, and property and casualty insurance.

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.


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. 
















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26 Customer Comments & Reviews

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John D
Chicago, Illinois
8.8 out of 10 with all these BAD reviews? I paid Metlife Dental for 20 years until I retired. Then I went with Metlife Take Along Dental. I started a dental implant the month before the Take Along Dental started... that included removing the tooth. Guess what, Metlife pulled the "missing tooth" clause to deny the continued implant work. Two times I tried to get someone reasonable and high enough in the company to realize this is just not right. I had continuous coverage with METLIFE for over 20 years and now they will not cover my tooth.

Kent S
Newark, New Jersey
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,... Read More

Chicago, Illinois
Don't get Met Life, I have had the coverage for over 2 years because it is backed by the Veterans Affairs. I recently had to have a crown which they were to pay half, needless to say they didn't they only paid $220 leaving me with over a $1000. And only paid $3 on cleaning.

Land O' Lakes, Florida
They do not pay for much outside of a cleaning. They wont even pay for a fluoride treatment. The worst part is that they bully the costumer for renewal. I called on Dec 2017 to notify MetLife that I was not renewing my policy. I was lecture by the customer service rep who threatened me that if I cancel I could never come back. I cleared told the rep that I wanted to cancel, she acknowledged the policy was cancelled and that I was going to receive a letter confirming the cancellation. On January 2018 I received renewal documents and a bill. I sent the bill back with no payment and a note reminding them that I cancelled my policy on Dec 2017 when the last policy ended. I received... Read More

Christopher Q
Oceanside, California
Who's the EFF is rating these incompetent MORONS "8.8/10"?????????? THIS HAS TO BE A PAID BULLSHIT REVIEW SITE! MET LIFE IS HORRIBLE! I had to write the Inspector General from the Veteran's Administration about it, and obviously I wasn't the ONLY one complaining! THEY FUCKED UP A GOVERNMENT CONTRACT! Trying to communicate with ANYONE at MetLife is impossible. They're SO fucking inflexible and just IDIOTS!!!!!!!!!!!!!!!!!!!!!!!!!!

Folsom, California
I am a service connected disabled veteran on fixed income. My wife and I signed up for metlife dental through the VA. We signed up for the best plan they had and were paying $116 a month for 3 years. Apparently the contract between VA and Metlife was in the process of being renewed during which time Metlife started deigning our dental claims they had previously pre approved. When we contacted them for an explanation on why they deigned claims for implant crowns that they paid for three years earlier they responded with a letter from "overpayment collections dept". Metlife left us on the hook for $8000 AND collections for another $2000 they had paid for three years prior. They... Read More

Richard S
Oceanside, California
I'm a federal employee I have had MetLife for 7 years as a secondary insurance without any real concerns, last year MetLife became my primary insurance since I terminated coverage with my primary insurance. I even uprated my coverage through MetLife to make sure I would be adequately covered up to $25,000/year limit including coverage for dental implants at a cost of $91/month. For the past six years I have been paying premiums while MetLife payout was minimal. Turns out that Even though MetLife advertises benefits for any customary procedure. YOU WILL NEVER BE COVERED OR RECEIVE THE BENEFIT BECAUSE THEIR INDEPENDENT DENTAL CONSULTANTS WILL ALWAYS FIND A LESSER COSTLY PROCEDURE... Read More

Jaynee N
McHenry, Illinois
The worst phone/customer service I have ever dealt with. Can't tech a live person when I did it disconnected every time. CAnt get an answer in coverage absolutely ridiculous. If I could choose another company I would.

Spring, Texas
I can basically reiterate the poor ratings listed previously. My latest experience involved a fractured tooth. Three options available. Put on a crown, extract, or live with the pain. I chose the crown. MetLife denied any payment stating that x Rays were not definitive enough to indicate crown was required, but if extracted most likely would paid the claim??? They handle claims like the infamous home warranty companies. They will find something in the fine print to deney claim. Save your $$ and don't sign up for this expensive plan

Neptune Beach, Florida
I have had bad experiences with metlife, from company delaying approval for dental treatment to horrible customer service. Number provided in their card for costumer service is only for an automated service, had to call other dept to finally be transferred to a customer representative who was unhelpful in assisting me with explanation of my claim and or benefits.

Top Rated
Our Partner
9.8 / 10
  • Unlimited Use
  • Pre-Existing Conditions Included in Plan Savings
  • Plans Start at $99/Year for Discounted Rates on Dental Procedures
  • 100,000+ Dental Access Points Nationwide
  • A+ Grade with the BBB
  • Voted #1 in Ethics by Dallas Morning News
  • Discount Dental Plan (Not Insurance)