Metlife Dental Insurance Review

Rating: 8.8 / 10 (Excellent)
26 Customer 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. 
















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)

Latest Metlife Reviews

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.

Washington, District of Columbia

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

Lake Worth, Florida

metlife has been absolutely terrible. they have denied all claims and i have had to fight and submit appeals. i would never recommend metlife federal dental to anyone. they have not paid on any claims. a total ripoff

Greenville, South Carolina

Shady despicable insurance company with no soul.

Charles C
Dallas, Texas

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 M
Easthampton, Massachusetts

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

Crystal L
Brooklyn, New York

Worst insurance i ever had to deal with. When you call to speak to anyone in customer service they act like they do not want to help you when you have questions. Also the website is not updated. A lot of the doctors are in network or out of network so you end up getting confused more. You're better off calling them to make sure they will accept that doctor. Because now i owe tons of money and i cant wait to switch to get off

Lyn N
Great Falls, Montana

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.

Houston, Texas

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.

InsurancerI s
Valley, Alabama

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

Sean M
Philadelphia, Pennsylvania

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

Shar S
, Louisiana

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"

Michael S
Springfield, Illinois

This insurance plan is awful. It pays for virtually nothing.

Newington, Connecticut

Most dissatisfying experience. I had my dentist submit pre-determination estimate for approval by Metlife. They did not approve/reject or even respond to the case for 2 months. They don't agree to the assessment of dentist on whether or not I had periodontal disease. The most shocking part they wont respond to your emails in your inbox; they will post the reply in a separate "secure mail" portal which you can not archive. Frustrating.. in this technological advanced world, they are still in 1980s

Fremont, California

Our family subscribe to MetLife PDP Plus Dental Plan through my spouse’s employer. This company has poor customer service. My case in point: 1) It’s virtually impossible to talk to a life person through the company’s voice activation system (800-942-0854). Needless to say that its voice activation system is very user unfriendly. 2) Minimal coverage: The plan pays a low reimbursement to our dentists. For example, the allowed amount for a D0140, limited oral evaluation is $50. In addition, D0140, limited oral evaluation is only covered once every 6 months! I could not find this limitation written anywhere on its website ( Read More

Bowie, Maryland

I loved my old dentist and when I was switched by work coverage to MetLife, my dentist was no longer covered. I have submitted 5 claims to MetLife and 3 have been improperly processed even though I am using their forms properly. When calling to get claims straightened out, Customer Service has been rude and not helpful. The dentist office says they routinely have problems with MetLife. I have been waiting 2 months since my claim was submitted and after 3 calls I still don't have my money.