MetLife
MetLife is an established and trusted insurance company. It was founded in 1863 in New York City as National Union Life and Limb Insurance Company. Over the years, MetLife has grown to offer various kinds of insurance internationally. In the United States, MetLife offers life insurance, dental insurance, vision insurance, auto insurance, and more.
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The Good
- Two Kinds of Employer-Provided Dental Plans
- Additional Insurance Available
Two Kinds of Employer-Provided Dental Plans
MetLife offers two kinds of plans to businesses: a Dental PPO Plan and a Dental HMO/Managed Care Plan.
The Dental HMO/Managed Care plans are available in California, Florida, New Jersey, New York, and Texas. HMO stands for Health Maintenance Organization. With these plans, members do not have deductibles or claims forms. Members must choose a network-participating dentist when they enroll.
The PPO (Preferred Provider Organization) plans allow members more freedom when choosing a dental care provider. They can see an in- or out-of-network dentist, though great discounts are available with in-network providers.
Additional Insurance Available
MetLife offers other kinds of insurance coverage and services that employers can include in their benefits package:
- Group Accident and Health Insurance
- Group Disability Insurance
- Group Vision Insurance
- Group Life Insurance
- Auto and Home Group Insurance Program
- Group Legal Services
Independent buyers can also purchase the following from MetLife:
- Homeowners Insurance
- Condo Insurance
- Renters Insurance
- Insurance for Landlords
- Vision Insurance
- Auto Insurance
The Bad
- One Kind of Dental Plan for Independent Buyers
- Waiting Periods
One Kind of Dental Plan for Independent Buyers
MetLife only offers one kind of dental plan for independent buyers called MetLife TakeAlong Dental (SM). This offering is a PPO and comes with three options:
- High Option Benefit
- Medium Option Benefit
- Low Option Benefit
In addition to dental discounts, the MetLife TakeAlong Dental (SM) plan includes cost-sharing.
The Low Option Benefit offers 100 percent of treatment costs for preventive care, like cleanings and dental checkups, in- and out-of-network, 70 percent coverage for basic restorative care in- and out-of-network, and 50 percent of major restorative care in- and out-of-network. The maximum benefit for this plan is $1000 per person and has a $75 (individual) or $225 (family) deductible.
The Medium Option Benefit has the same covered services as the Low Option Benefit. The maximum benefit is $1500 per person. The deductible is $50 (individual) and $150 (family).
The High Option Benefit has the same benefit as the Medium Option Benefit, except basic restorative services are covered at 80 percent in- and out-of-network. The High Option Benefit also includes 50 percent coverage for child orthodontia with a lifetime maximum benefit of $1000 per person. The maximum benefit for the year is $2000 per person. The deductible is $25 (individual) and $75 family.
Interested customers should contact MetLife directly for premium cost information to get a better sense of how much they will pay for a dental insurance policy.
Waiting Periods
All MetLife TakeAlong Dental (SM) options come with a six month waiting period for basic services and a year waiting period of major and orthodontic services.
The Bottom Line
MetLife is a reliable insurance provider. It is an especially great option for employers seeking to offer their employees benefits. Interested employers should contact MetLife directly to learn more about their dental insurance policy options. In addition to dental insurance, MetLife offers life insurance, accident and health insurance, and more. Employers can provide a comprehensive benefits package to their employees through MetLife.
MetLife’s options are fewer for independent buyers, which can make it trickier to find the right coverage and budget fit. Other dental insurance companies offer more plan options to independent buyers. Consumers need to contact MetLife directly to learn more about availability and premium rates.
If you’re an employer providing benefits, MetLife is a solid choice.
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User Reviews
Star Rating
42 Reviews
Review Breakdown
Sentiment Criteria
Bryan Jensen
MetLife pays its claims fast, and is easy to work with. Great website and customer service.
Jennifer Wilson
All of our dental needs have been well taken care of. I love the assurance of 6 month check ups for everyone. The consistency of the coverage has been good.
Toni Hasson
I recently went to the dentist and only paid my co-pay - they commented how impressed they were with the coverage I had
cb
Great coverage! Very trustable when I need something done to my teeth and by far the friendliest customer service to deal with!
Sandi Burkinshaw
Great dental coverage. Covered some of the cost of orthodontics. My favorite part, they cover sealants for my kids teeth 100%
Club rush
The coverage is great for me, but I hate that the coverage attached when on Medicare is so lousy and not the same.
Eddie Rios
Metlife is our trusted dental insurance carrier currently. I feel there is great coverage, great customer service, handling any issues at all, and super follow up by their staff. I feel well supported with their dental coverage at a good price.
Tedi
Have had metlife forever. They are taken everywhere. Never have any claim issues.
Mike Ika
I had MetLife Dental for many years. My biggest complaint with them was the Max limits per year. Unlike medical where there is a max out of pocket, MetLife dental has a maximum limit to the procedures they’ll perform in a year. One year I needed two crowns and had 5 or 6 cavities. Unfortunately due to the max limit, I had to space these procedure over the course of 2 years in order for insurance to cover everything. Had I not spaced it out that way, I would have had to cover all the cavities on my own.
JR Suguturaga
This company provided good coverage in the past and the pricing was good as well.
Kaitlyn Rios
Metlife dental insurance was great coverage for me and my family, low deductibles, low fees, and fast coverage for services. All around it was superb.
Hallieford
Met life has been great. They pay claims quick and I have never had any problems.
Roche
I would highly recommend MetLife dental coverage, the insurance is amazing. I have found that most dentist take MetLife.
Leslie Comstock
MetLife has a great system to check on coverage & any outstanding claims. I like how I can request fax backs when needed.
Angelina Hamilton
Have had this coverage for six years now. They cover about the same as others. Two cleanings a year and 1 X-ray a year. Rates are affordable!
Mikayla Ralston
My company recently switched to Metlife for dental insurance. So far, the service has been good and I know what I'm paying for all the dental issues we have.
Danielle Powell
Coverage was good for the cost. Dealing with customer service was not the easiest especially when you had a secondary insurance
Nancy Paugh
Pays for routine cleaning and x-rays. Premiums are very low and compared to other companies. Most dentist accept this insurance.
Robyn
THIS INSURANCE COMPANY IS VERY RELIABLE. I ALWAYS FEEL LIKE IM SAFE IF ANYTHING WAS TO EVER GO WRONG.
Roman Christiansen
MetLife dental insurance is a very reliable insurance company. The service is great and the staff is very helpful.
Lily
MetLife is a wonderful insurance company. MetLife covers almost everything. It’s a great company.
Nathan D.
I have MetLife dental insurance through my employer - they cover some things but not a lot of things, i.e. I decided to get Invisalign braces at the age of 33 to help correct my bit and they stop helping to cover this at age 26.
Amanda Rosen
Metlife dental copay is reasonable and affordable. I've never had a problem with this company
Lesa Stewart
MetLife is a reliable dental insurance company. I can keep all my families teeth In good shape at an affordable cost.
Beckie Frame
Great customer service and have always been able to assist me whenever needed. Have never had any issues with coverage.
Jaime
MetLife is what our family's current dental insurance is through. I haven't had any problems, and our claims through our dentist seem to go through pretty easily. I get the explanation of benefits, and I like how they're laid out so I can see what's covered and what our portion is.
Miles Strother
MetLife is my current Dental Insurance provider. They provide plenty of online resources to view benefits and keep track of expenses. The process for signing up for online access was very simple.
Jon Scoresby
It was fine. They did what was expected. I don't remember it being the best price but everything else was good.
Carl
We have a family of six all covered with MetLife. No problems, just a little vague on out of pocket expences.
Susan
They pay quickly, but their network is limited. I need to drive 35 miles for a network periodontist.
Alicia
Excellent! They need to process claims quicker!
Ruth Ann Ciarlo
They are pretty good for dental insurance. Premiums are low.
Carmelo
My wife has been using Metlife for her dental needs for at least 2 years and she has no complaints. She receives updates on billing which helps check and validate the work. Her dentist has been outstanding.
Terra Stanko
My only experience so far was that MetLife Dental covered nearly 75% of the cost for my daughter to have her bottom teeth fixed when she fell and landed on her face, which was very helpful!
Diana Anastasi
Very good- coverage is very good too although I would like to see more of caps/crowns and bone graft covered more
Ashby Cockrell
Wonderful products that meet the actual real world dental issues
Anonymous
No problems; billing is handled in a very timely manner;never had to contact company over charges.
Odessa Prater
They pay most of Bill, just one or five for me to pay
Hannah Francis
I love MetLife! I just went to the dentist and did not have to pay a single thing. Granted that is because of the certain policy that I have but still. Very impressive.
Dale L Farmer
I feel that their fees are way under what they should be and as a result dentist do not do their best because they need to do the work so quickly.
Elisa Vakapuna
MetLife we have for dental and it’s a good service. We switched to MetLife and enjoy the service
Calista Huber
I used to have MetLife dental and thought it was alright. I was glad to know how much regular cleanings cost but I never felt like my benefits went much farther than that. Maybe we had the lowest plan though.
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