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.

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. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


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26 Customer Comments & Reviews

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S
Shar S
, 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
Springfield, Illinois
8/11/2015
This insurance plan is awful. It pays for virtually nothing.


D
DHM
Newington, Connecticut
6/11/2015
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


M
M C
Fremont, California
6/10/2015
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 (https://employeedental.metlife.com/dental/DPPOPlanCoverage.do#ded4).... Read More


T
T S
Bowie, Maryland
3/9/2015
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.


K
Katie H
Indian Rocks Beach, Florida
3/6/2015
What a nightmare I have had dealing with this company!!..Their customer support system is just the worse I have had to deal with. I have told my story to each and every person I have spoken with. Two of them started off being helpful and promised to see my problem thru to completion and I have not heard back from either of them. I have almost sorted it out but it has taken about 4 months of constant calling and I will not give up. I paid my premiums for 5 years and never claimed much in the past. Up until this episode I may have recommended them but NEVER will to my worse enemy. Some of them are just plain rude and run their mouths before they even let you finish your explanation of what... Read More



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)