Delta Dental vs MetLife
Both MetLife and Delta Dental are trusted insurers, which makes them good choices for buying dental insurance, whether you are an employer creating a benefits package or buying dental insurance for yourself or your family. MetLife stands out for its focus on group plans and offerings for veterans and retired military and federal employees. Delta Dental stands out because it offers more distinct plan options for individuals and families.
Overview
Delta Dental
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MetLife
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Ratings
Delta Dental
MetLife
Reviews
Delta Dental
Reviews
MetLife
Reviews for Delta Dental
Helpful Favorable Review
Jasmin Mena
February 14th, 2023
Used Delta once in a different state through my husband's insurance for a basic check-up. Was able to find a very nice dentist and they went through everything carefully and explained my situation with patience. Everything was straight-forward.
Helpful Critical Review
Leo Russ
February 23rd, 2023
Post Falls, ID
DETAILS
Refused to cover an implant on the grounds that they "do not have a record of extraction and, therefore, it's a defect the patient was born with." They even supplied a conclusion from a "doctor", someone who doesn't know that if the tooth has never existed, the adjacent teeth would move/expand, and the gap would close which would not allow to install an implant. Crooks.
Reviews for MetLife
Helpful Favorable Review
jamee emens
August 1st, 2022
Scottsdale, AZ
DETAILS
We have never experienced one problem. Our family has had ortho work, crowns, bridges, wisdom teeth extractions, etc. The claims are paid quickly, and I never speak to one person. The dentist's office handles it all.
Helpful Critical Review
judJ Roller
April 25th, 2023
Redgranite, WI
DETAILS
You cannot rely on their dental plan to meet its obligations. For example, they say they cover crowns 50%. They don't. They cover SOME crowns. If you get a cavity under a crown or it has broken and replacing it is a medical necessity, they won't cover any of it unless the original crown is more than TEN YEARS old--the customary requirement is FIVE years. Dropping this coverage like a hot rock as soon as I can and replacing it with a dental savings plan.
The Final Word
Delta Dental offers four plan options that individuals and families can buy. Since each plan is different, you can choose the plan that best meets your coverage needs. In addition to more typical insurance plans, Delta Dental offers fee-for-service and dental discount plans.
MetLife only offers one dental plan for individuals and families buying their own insurance. However, this plan comes with three options that offer different levels of coverage.
MetLife also offers dental plans specifically for veterans. If you're a veteran, you can purchase this plan for yourself and your dependents. MetLife offers a Federal Dental plan to federal employees and military retirees. This plan is also a great option if you've retired from the military.
Delta Dental and MetLife both offer group dental plans. Delta Dental's group plans vary by state, so you'll have to research further to learn more about what's available to you and cost. MetLife offers managed care dental plans and Preferred Provider Organization (PPO) plans. Managed care dental plans only offer in-network coverage. PPO plans offer in-and out-of-network plans.
While both companies offer great options for individuals and families, Delta Dental has more options. This selection makes it easier to find a plan that fits your budget and meets your coverage needs. MetLife is a good option for veterans and military retirees for its plans designed specifically for veterans and retired military.
While both companies offer group dental insurance, MetLife specializes in group plans. This specialization makes it a great choice for employers.
