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.

View Best Dental Insurance Companies

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User Reviews

Star Rating

4.4
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33 Reviews

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JR Suguturaga

February 21st, 2020 Orem, UT DETAILS arrow_drop_down
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This company provided good coverage in the past and the pricing was good as well.

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Kaitlyn Rios

February 20th, 2020 Ogden, UT DETAILS arrow_drop_down
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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.

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Hallieford

February 19th, 2020 Arlington, TX DETAILS arrow_drop_down
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Met life has been great. They pay claims quick and I have never had any problems.

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Roche

February 11th, 2020 American Fork, UT DETAILS arrow_drop_down
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I would highly recommend MetLife dental coverage, the insurance is amazing. I have found that most dentist take MetLife.

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Leslie Comstock

February 10th, 2020 Orem, UT

MetLife has a great system to check on coverage & any outstanding claims. I like how I can request fax backs when needed.

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Angelina Hamilton

February 7th, 2020 Jackson, MS DETAILS arrow_drop_down
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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!

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Mikayla Ralston

January 29th, 2020 Pensacola, FL DETAILS arrow_drop_down
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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.

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Danielle Powell

January 27th, 2020 Long Beach, MS DETAILS arrow_drop_down
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Coverage was good for the cost. Dealing with customer service was not the easiest especially when you had a secondary insurance

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Nancy Paugh

January 21st, 2020 Long Beach, MS

Pays for routine cleaning and x-rays. Premiums are very low and compared to other companies. Most dentist accept this insurance.

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Robyn

January 10th, 2020 Tallahassee, FL

THIS INSURANCE COMPANY IS VERY RELIABLE. I ALWAYS FEEL LIKE IM SAFE IF ANYTHING WAS TO EVER GO WRONG.

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Roman Christiansen

December 4th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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MetLife dental insurance is a very reliable insurance company. The service is great and the staff is very helpful.

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Lily

November 25th, 2019 South Jordan, UT DETAILS arrow_drop_down
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MetLife is a wonderful insurance company. MetLife covers almost everything. It’s a great company.

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Nathan D.

November 15th, 2019 Warrendale, PA DETAILS arrow_drop_down
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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.

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Amanda Rosen

November 15th, 2019 Warrendale, PA DETAILS arrow_drop_down
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Metlife dental copay is reasonable and affordable. I've never had a problem with this company

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Lesa Stewart

October 15th, 2019 Saint George, UT DETAILS arrow_drop_down
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MetLife is a reliable dental insurance company. I can keep all my families teeth In good shape at an affordable cost.

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Beckie Frame

October 11th, 2019 Saratoga Springs, UT DETAILS arrow_drop_down
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Great customer service and have always been able to assist me whenever needed. Have never had any issues with coverage.

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Jaime

October 1st, 2019 American Fork, UT DETAILS arrow_drop_down
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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.

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Miles Strother

September 30th, 2019 American Fork, UT DETAILS arrow_drop_down
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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.

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Jon Scoresby

September 30th, 2019 Saratoga Springs, UT DETAILS arrow_drop_down
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It was fine. They did what was expected. I don't remember it being the best price but everything else was good.

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Carl

August 2nd, 2019 Casa Grande, AZ DETAILS arrow_drop_down
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We have a family of six all covered with MetLife. No problems, just a little vague on out of pocket expences.

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Susan

August 2nd, 2019 DETAILS arrow_drop_down
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They pay quickly, but their network is limited. I need to drive 35 miles for a network periodontist.

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Alicia

August 2nd, 2019 DETAILS arrow_drop_down
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Excellent! They need to process claims quicker!

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Ruth Ann Ciarlo

July 15th, 2019 DETAILS arrow_drop_down
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They are pretty good for dental insurance. Premiums are low.

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Carmelo

July 8th, 2019 Panama City, FL DETAILS arrow_drop_down
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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.

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Terra Stanko

July 5th, 2019 Hyrum, UT

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!

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Diana Anastasi

June 27th, 2019 DETAILS arrow_drop_down
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Very good- coverage is very good too although I would like to see more of caps/crowns and bone graft covered more

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Ashby Cockrell

June 27th, 2019 Apopka, FL DETAILS arrow_drop_down
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Wonderful products that meet the actual real world dental issues

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Anonymous

June 27th, 2019 Huntersville, NC DETAILS arrow_drop_down
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No problems; billing is handled in a very timely manner;never had to contact company over charges.

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Odessa Prater

June 27th, 2019 Baltimore, MD DETAILS arrow_drop_down
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They pay most of Bill, just one or five for me to pay

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Hannah Francis

June 11th, 2019 Provo, UT

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.

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Dale L Farmer

May 30th, 2019 Littleton, CO

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.

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Elisa Vakapuna

May 21st, 2019 Salt Lake City, UT DETAILS arrow_drop_down
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MetLife we have for dental and it’s a good service. We switched to MetLife and enjoy the service

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Calista Huber

May 6th, 2019 Mesa, AZ DETAILS arrow_drop_down
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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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