MetLife Logo
star star star star star_border
67 User Reviews

7.0

Overall Score

LAST UPDATED: November 23rd, 2021

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.

Top Ranked Companies

Cigna Logo
#2 Cigna chevron_right
6.7 Overall Score
3.9
star star star star star_border
(78)
UnitedHealthcare Logo
#3 UnitedHealthcare chevron_right
6.7 Overall Score
4.2
star star star star star_border
(57)
Delta Dental Logo
#4 Delta Dental chevron_right
5.7 Overall Score
4.0
star star star star star_border
(186)
thumb_up

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
thumb_down

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 DentalSM. 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 DentalSM 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 DentalSM options come with a six month waiting period for basic services and a year waiting period of major and orthodontic services.

gavel

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

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

4.2

star star star star star_border

67 Reviews

Review Breakdown

5 grade

54%

4 grade

27%

3 grade

10%

2 grade

4%

1 grade

4%

Sentiment Criteria

Value

star star star star star_border

Quality

star star star star star_border

Service

star star star star star_border

Trustworthiness

star star star star star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star_border star_border star_border star_border

Martha Woodward Charlotte, NC

HORRIBLE!!!!The dentists that are on their preferred dentists list are awful! If you go outside of these doctors they barely pay anything. They tried telling me that a deep cleaning that costs $267 should only cost $80 something and they only will pay 50% of that. They also also give your dental office a price when they call to get a pre authorization then lie and cover way less. STAY CLEAR OF THIS SHADY COMPANY!!!

6 days ago

star star_border star_border star_border star_border

Preetha Arun Henderson, NV

you guyz deserve no star... They Can't even confirm one single page information for claim properly... & keep dragging forever... & will never help you in finding the solution.. the customer service people knows nothing.. worst customer service ever anybody can have in the world.... HORRIBLE PEOPLE

2 weeks ago

check_circle

Review Source

star star_border star_border star_border star_border

Avidflyfisher16 Longmont, CO

I have had MetLife for a number of years for my dental insurance. Not only do they drag their feet in reimbursing claims, they typically deny claims although all the paperwork has been submitted, just to buy time and avoid paying claims on time. I had MetLife insurance through my employer, but would never choose this insurance company if I had to pay for the insurance myself.

1 year ago