MetLife Dental Insurance Review

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Contributor, Benzinga
March 11, 2022
MetLife Vision
Best For
  • Families with children
securely through MetLife Vision's website
1 Minute Review

MetLife has features that make your life easier, including an extensive network of over 146,000 providers. You can view claims and plan information online or with the MetLife app. 

 

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Best For
  • Employees who have access to MetLife
  • Families with children
Pros
  • Mobile app
  • Tracking claims online
Cons
  • Only available through employers
  • Dental HMO only available in California, Florida, Texas, New York and New Jersey

MetLife Vision Ratings at a Glance

MetLife Dental Insurance Coverage Options
MetLife Dental Insurance Claims Support
MetLife Dental Insurance Mobile App
MetLife Dental Insurance Pricing
MetLife Dental Insurance Customer Support
MetLife Dental Insurance Overall Rating

Oral health is an essential part of your overall health. Dental insurance can make that care more affordable. MetLife Dental Insurance offers a range of coverage to meet your needs and your budget. Learn more in this MetLife Dental Insurance review. 

MetLife Dental Insurance Coverage Options

In general, MetLife dental insurance coverage is comprehensive. The benefits MetLife offers ultimately depends on your employer — read your summary of benefits carefully so you know what is and isn’t covered. 

Types of Coverage

MetLife covers several types of dental services:

  • Basic services: This includes preventive and diagnostic services like cleaning, lab tests, diagnostic models, sealants, fluoride treatments, space maintainers and routine X-rays. 
  • Intermediate services: This includes restorative services like fillings and extractions. 
  • Major services: This includes more significant restorative services like bridges, crowns, root canals, as well as dentures and denture repairs. 
  • Orthodontic: This coverage includes braces, space maintainers and other options to align your teeth. 

You’ll typically pay a percentage of the cost of the service, with the plan paying the rest. 

How MetLife Dental Insurance Works

Exactly how your plan will work depends on which plans your employer chooses from MetLife. In general, this is how coverage works. 

You’ll pay a set amount out of each paycheck, called a premium. Premiums are deducted automatically. 

When you use your plan, you may have to pay a deductible. This is the amount you’re required to pay before MetLife begins covering your dental care. You’ll also have to pay coinsurance. Coinsurance is the percentage of a covered service you’re responsible for. 

Your coinsurance amount will vary depending on the type of service you receive. For example, you may not have to pay coinsurance for basic services you receive from an in-network provider. You might also pay:

  • 45% of intermediate services
  • 65% of major services
  • 50% of orthodontic services

If you have a PPO and see an out-of-network provider, you may pay more. Your coinsurance may be:

  • 40% of basic services
  • 60% of intermediate services
  • 80% of major services
  • 50% of orthodontic services 

Most dental plans also have annual maximums. This is the most your plan will pay for covered services. For example, you may have a $1,500 annual maximum for in-network benefits and a $1,000 benefit for out-of-network benefits. There may be a lifetime maximum benefit for orthodontic services. The maximum for orthodontic services may also vary depending on whether the person receiving the benefits is an adult or child. 

Some plans have a waiting period. This is the amount of time you have to wait after starting coverage to receive certain services. You might be able to receive basic services right away, but you may have to wait 6 months for intermediate, major and orthodontic services. 

What Isn’t Covered by MetLife Dental Insurance

MetLife, like all insurance companies, has exclusions to its benefits. That means that it will not pay for care in certain circumstances. Some exclusions include:

  • Services and treatment performed before your coverage starts
  • Services and treatments that aren’t considered necessary
  • Services and treatments that are experimental
  • Injuries related to employment (those may be covered under workers compensation)
  • Services related to diagnosing and treating TMD/TMJ
  • Self-inflicted injuries
  • Injuries resulting from committing a felony
  • Charges for copies of your records
  • Charges due to canceled appointments
  • Replacements of dentures that have been stolen or lost
  • Nitrous oxide
  • Oral sedation
  • Local anesthesia
  • Cosmetic treatments (like teeth whitening)
  • Duplicate devices
  • Injuries related to a vehicle accident if those injuries are covered by auto insurance

Implants are only covered if they’re medically necessary. MetLife reviews implant claims to determine whether they’re required or if another procedure can be used instead. 

MetLife Dental Insurance Claims Support

Dentists often submit the claims paperwork on your behalf. If they don’t you can download a claim form from the MetLife website and mail or fax it to MetLife. You can track the status of your claims online or by using the mobile app. 

Dentists handling claims is the simplest option, obviously, and mailing or faxing in claim forms is tedious, but at least you can easily see what’s going on with your claims regardless of how they’re submitted. 

MetLife Dental Insurance Mobile App

With the MetLife mobile app, you can find a dentist, view your ID card, switch dentists, view your plan information and review claim summaries. If you have other MetLife policies, you can manage them through the app as well. The app is available in the Apple App Store and in the Google Play store. 

MetLife Dental Insurance Pricing

MetLife Dental Insurance is offered exclusively through employers. Most employers cover some or all of the cost of benefits like dental insurance, which keeps your costs down. As with any insurance decision, review the dental insurance options your employer offers and compare them based on the premium (the amount you pay per paycheck), deductibles, coinsurance, copays and plan limits. 

MetLife Dental Insurance Customer Support

MetLife offers two options for customer service. You call them at 800-942-0854. You can also contact customer service by filling out a form on the MetLife website. MetLife doesn’t list its customer service hours on its website, and it doesn’t have options other insurance companies have such as live chat on its website or through its mobile app. 

MetLife Dental Insurance Overall Rating

Overall, MetLife offers extensive benefits to its members, making it one of the best dental insurance providers. It offers comprehensive dental services and PPO and HMO options. 

Keep in mind that each employer selects benefit plans from MetLife, so some services may not be available or may be covered with a different amount of coinsurance than the examples we used. MetLife’s dental HMOs are only available in California, Florida, Texas, New York and New Jersey. Its dental PPOs are more widely available. 

Your employer may exclusively offer MetLife for dental or it may allow you to choose from multiple insurance companies. If that’s the case, compare your options carefully, looking at the premium, deductible, coinsurance and maximum annual benefits. You should also compare the coverage. For example, if you have a child who needs orthodontic work, it’s best to choose a plan that covers that type of care. 

MetLife has an extensive network of dentists, and you can find a dentist near you using its website or mobile app. If you already have a dentist, check to see if that dentist is in MetLife’s network. If they’re not, you may pay more if you have a PPO or that dentist may not be covered at all. 

MetLife Dental Insurance vs Competitors

What if you don’t have access to dental coverage through an employer? In that case, you can purchase a separate dental insurance policy. Although you can’t purchase MetLife, many other insurance providers offer plans you can purchase directly. Get quotes from at least 2 or 3 companies and compare them to find affordable dental insurance that works for you. 

You may be able to find dental insurance plans through your state’s Health Insurance Marketplace. You can also visit websites that allow you to get quotes from multiple insurance companies. 

Another option is getting a dental discount plan rather than an insurance plan. With dental discount plans, you pay a low monthly or annual fee. You can go to any dentist who accepts the plan and the discount is taken upfront. You don’t have to file a claim.

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Q

How much does dental insurance cost?

A

Dental insurance premiums are determined by the carrier, your age and the sort of plan you’ve chosen.

Q

How often does dental insurance pay for cleanings?

A

Dental insurance pays for cleanings, generally, every 6 months.

User Reviews

Sarah Swank

How do you use this product to boost your finances?

We have Melife since 2019. We chose to go with PPO plan so we could go out of network which was wonderful until Jan 2022 where with NO NOTICE to METLIFE changed the allowable fee (Cut them in half) and now pay little to nothing. Horrible Insurance

Mike Matukonis

How do you use this product to boost your finances?

I liked it til MetLife covered me at my dentist but now it’s out of network and insurance doesn’t cover anything what’s u with that

Nilda Cantu

How do you use this product to boost your finances?

It is the worst dental insurance ever if you have HMO and a child over 7yrs old no one want to see the child. You are not allowed to see a pediatric dentist even after the regular dentist has tried to do the procedure and child did not allow the dr to che

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Dental Insurance Methodology

To determine the best dental insurance providers, we pored through all United States carriers. We winnowed the list by only including companies that have a wide coverage area and product offering. To further break down the list to the true best dental insurance providers, we gave weight to carriers that offer discounts, are available in all states and have multiple payment plan options.

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