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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Carmelo Panama City, FL

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.

2 years ago

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Jaime American Fork, UT

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.

2 years ago

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Chelsea Bishop Las Vegas, NV

MetLife has been great for our dental insurance. I like that we get our invoices very quickly after a service-- fastest ever for an insurance company! Easy to understand.

11 months ago

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Miles Strother American Fork, UT

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.

2 years ago

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Aleah Gree

I like metlife dental insurance, good service, insurance very easy to work with, provide good dentist within your budget

1 year ago

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Jennifer Wilson Pleasant Grove, UT

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.

1 year ago

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Kaitlyn Rios Ogden, UT

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.

1 year ago

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Mikayla Ralston Pensacola, FL

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.

1 year ago

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Hannah Francis 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.

2 years ago

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Sheri Wiggins Upper Marlboro, MD

Love MetLife, my husband and I have great dental coverage. The customer service is amazing!

8 months ago

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Emily Grossman Corpus Christi, TX

Used MetLife dental for years. The claims are always paid in a timely manner. Would recommend them.

10 months ago

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Della R.Quinn Coleman Plainfield, IL

Been with MetLife for over 19 yrs. I really appreciate the service I have received from the company.. My teeth are more healthy with their help.

1 year ago

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Tina Igo Avonmore, PA

MetLife is the easiest dental insurance to work with. Our coverage is extensive and widely accepted anywhere we go. We really like it!

1 year ago

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cb Thibodaux, LA

Great coverage! Very trustable when I need something done to my teeth and by far the friendliest customer service to deal with!

1 year ago

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Roche American Fork, UT

I would highly recommend MetLife dental coverage, the insurance is amazing. I have found that most dentist take MetLife.

1 year ago

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Leslie Comstock Orem, UT

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

1 year ago

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Varduhi Rockville, MD

efficient, have never had problems or need to call.

5 months ago

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Anonymous Huntersville, NC

No problems; billing is handled in a very timely manner;never had to contact company over charges.

2 years ago

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Cdavid , MO

MetLife has been great insurance for my family. They have paid without any issues.

11 months ago

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Toni Hasson Salem, UT

I recently went to the dentist and only paid my co-pay - they commented how impressed they were with the coverage I had

1 year ago

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Club rush West Valley City, UT

The coverage is great for me, but I hate that the coverage attached when on Medicare is so lousy and not the same.

1 year ago

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Robyn Tallahassee, FL

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

1 year ago

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Roman Christiansen Pleasant Grove, UT

MetLife dental insurance is a very reliable insurance company. The service is great and the staff is very helpful.

1 year ago

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Stephanie Brown

If I have question the are therie to help and always come thru with an answer.

1 year ago

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Gloria Bishop La Vergne, TN

The coverage is very good and they pay the provider in a timely fashion.

1 year ago

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Ruth Ann Ciarlo

They are pretty good for dental insurance. Premiums are low.

2 years ago

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Ashby Cockrell Apopka, FL

Wonderful products that meet the actual real world dental issues

2 years ago

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Marlon Florissant, MO

Great customer service and very friendly and professional and very knowledgeable

1 year ago

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McMorgan Thomptos Kailua, HI

It was very easy to find providers for the first time. The website was easy to navigate.

1 year ago

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Amir Hussain New Castle, DE

Great option for dental insurance. Covers a lot of services without killing your pockets

1 year ago

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Tedi South Jordan, UT

Have had metlife forever. They are taken everywhere. Never have any claim issues.

1 year ago

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Hallieford Arlington, TX

Met life has been great. They pay claims quick and I have never had any problems.

1 year ago

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Lily South Jordan, UT

MetLife is a wonderful insurance company. MetLife covers almost everything. It’s a great company.

1 year ago

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Amanda Warrendale, PA

Metlife dental copay is reasonable and affordable. I've never had a problem with this company

1 year ago

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Elisa Vakapuna Salt Lake City, UT

MetLife we have for dental and it’s a good service. We switched to MetLife and enjoy the service

2 years ago

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Alicia I. Huff

Excellent! They need to process claims quicker!

2 years ago

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