This carrier was my primary and my spouse's secondary and claims were submitted for him and they refused to pay each time requesting more information from Dentist via a generic letter. They continued to deny payment until the carrier cut-off date was reached then stated they no longer needed to pay because they no longer cover the employer on the claim. So in the end, we are stuck paying a $1050 bill.

I manage a large dental practice in upstate NY and have two, possibly three doctors that are willing to become participating members for MetLife Dental. I have called MetLife atleast 15 times within the past 45 days attempting to obtain three provider contract to enroll my doctors. To this date, i have not received ONE. I have left messages, spoken to customer service and sent e-mails. I have asked that they fax, or e-mail me one provider contract and I will gladly make copies. To my amazement, I am told that they are unable to fax or e-mail me. Are you kidding me???? I am honestly questioning the decision to enroll my doctors. These are serious red flags. MetLife Dental gets a zero in my book... I am no longer recommending them.

I bought Metlife dental COBRA coverage for my daughter after losing job. MetLife keep on rejecting orthodontics claims saying employee not eligible for ortho. Of course, I am not eligible for ortho but my daughter is eligle under this plan. When I call customer service and explain this, they kept on resubmitting claims. These claim processors kept on rejecting it! This kept on going for seven months.

The whole purpose of COBRA coverage is to help out during no job. Here i was stuck with double payments - (1) payments to doctor and (2) COBRA payments. Not to mention frustrations and stress in dealing with MetLife.

Finally, they paid some but started doing the same thing for new claims. They decided to reject claims rather than fix their system. It is amazing they can get by doing dis-honest practices!

MetLife Dental is the worst dental insurance imaginable. I have worked for 25 years and have had several dental insurance plans; none have been as bad as MetLife - not even close.

MetLife maintains an endless list of denial reasons - the bulk of which are not provided in the Summary Plan Description. When one sends in a pre-authorization request, MetLife comes back several times with ridiculous questions as "stall tactics". If you get the service anyway (due to pain, potential loss of tooth, etc.) before the pre-autorization comes back, MetLife denies the claim. If you get back a pre-authorization, it states it is not a guarantee of payment; MetLife often refuses to pay anyway. It is a catch-22.

In my situation, I work for a self-insured company, so MetLife is just the administrator. All of the premiums I pay go for poor quality administrative practices, stall tactics, contradictory statements, mis-communication within their business, AND their lawyers. The actual payments for services come from the company I work for. If I cannot get assistance from my Human Resources department, I would have to sue my company through ERISA. I am paying for their lawyers and would then have to pay for my own. What a scam! What a great deal for MetLife - no accountability.

It is getting harder and harder to find reputable dentists under their plan. I wonder why. If they treat employees poorly, I'm sure they treat dentists as badly.

Please do everything you can to avoid MetLife and petition your company to drop them or not to use them. They are a highly unethical business. They operate under a "thug" business model.

MetLife Hater in Arizona

We were never given an information card regarding our id number nor a list of acceptable places to go to for cancer screening labs. We were not given payment for lab expenses incurred after using a qualified oral surgent on their list. They said it wasn't a lab on their "mysterious list".