MetLife Logo
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65 User Reviews

7.0

Overall Score

LAST UPDATED: August 3rd, 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.

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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
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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.

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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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Star Rating

4.3

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65 Reviews

Review Breakdown

5 grade

55%

4 grade

28%

3 grade

11%

2 grade

5%

1 grade

2%

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Eddie Rios Ogden, UT

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.

1 year ago

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Bethany Rockville, MD

Our family dental company. For orthodontics, there is no waiting period, which I found attractive when I chose dental plans.

7 months ago

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Terra Stanko 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!

2 years ago

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Calista Huber Mesa, AZ

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.

2 years ago

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Samantha Grabert Salt Lake City, UT

Had for ten years and they were good about claims.

2 months ago

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Maverick Denhalter Salt Lake City, UT

MetLife has been great to work with through their dental insurance. I haven’t ever had to worry about anything, it’s just taken care of.

11 months ago

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Carl Casa Grande, AZ

We have a family of six all covered with MetLife. No problems, just a little vague on out of pocket expences.

2 years ago

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Diana Anastasi

Very good- coverage is very good too although I would like to see more of caps/crowns and bone graft covered more

2 years ago

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Dre35 West Valley City, UT

We love using MetLife for our dental services. Their app is user friendly, and it's nice to be able to go to it to see what my benefits are.

1 year ago

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Sandi Burkinshaw South Jordan, UT

Great dental coverage. Covered some of the cost of orthodontics. My favorite part, they cover sealants for my kids teeth 100%

1 year ago

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Angelina Hamilton Jackson, MS

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!

1 year ago

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Danielle Powell Long Beach, MS

Coverage was good for the cost. Dealing with customer service was not the easiest especially when you had a secondary insurance

1 year ago

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Nancy Paugh Long Beach, MS

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

1 year ago

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Lesa Stewart Saint George, UT

MetLife is a reliable dental insurance company. I can keep all my families teeth In good shape at an affordable cost.

2 years ago

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Beckie Frame Saratoga Springs, UT

Great customer service and have always been able to assist me whenever needed. Have never had any issues with coverage.

2 years ago

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Bryan Jensen South Jordan, UT

MetLife pays its claims fast, and is easy to work with. Great website and customer service.

1 year ago

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JR Suguturaga Orem, UT

This company provided good coverage in the past and the pricing was good as well.

1 year ago

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Odessa Prater Baltimore, MD

They pay most of Bill, just one or five for me to pay

2 years ago

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