MetLife Dental Insurance: Is It Worth It? Everything You Need to Know 🦷💡
MetLife Dental Insurance is one of the largest and most widely used providers in the U.S., but is it the best option for your dental needs?
From preventive care coverage to customer service concerns, many policyholders love the affordability and network size—but others face challenges with claims processing and plan restrictions.
Before you enroll, this guide breaks down everything you need to know—including costs, coverage, common pitfalls, and insider tips to maximize your benefits.
🔥 Key Takeaways: Quick Answers to Your MetLife Dental Questions
| Question ❓ | Quick Answer ✅ |
|---|---|
| Does MetLife have a large dental network? | Yes, with over 146,000 dentists nationwide. |
| Is preventive care covered? | Yes, typically 100% for cleanings, X-rays, and exams. |
| What’s covered for fillings and crowns? | 50-80% for fillings; 50% or less for crowns and major work. |
| Does MetLife cover orthodontics? | Yes, but with a lifetime max and often a waiting period. |
| Are there waiting periods for new enrollees? | Yes, for basic and major procedures in PPO plans. |
| How much does MetLife Dental cost? | Varies by plan, with premiums typically ranging from $15 to $50 per month. |
| Is MetLife good for families? | Yes, especially with employer-sponsored plans. |
| What are the biggest customer complaints? | Claims denials, slow reimbursements, and difficulty resolving issues. |
🏥 “What Types of Dental Plans Does MetLife Offer?”
MetLife offers multiple plan options, ranging from flexible PPOs to low-cost DHMOs.
| Plan Type 🏷️ | How It Works ✅ | Best For… 🏆 | Key Drawbacks ❌ |
|---|---|---|---|
| MetLife PPO (TakeAlong Dental) 🦷 | Visit any dentist; in-network providers offer lower rates. | Patients who want flexibility & don’t mind higher premiums. | Waiting periods for major services, potential out-of-pocket costs. |
| MetLife DHMO 📋 | Must select an in-network dentist, set copays. | Patients who want lower premiums & no waiting periods. | No out-of-network coverage, limited provider availability. |
| MetLife Dental Discount Plan 💳 | Not insurance—offers reduced rates at select providers. | Patients who want savings but don’t need full coverage. | No claims processing, limited to participating dentists. |
💡 Tip: If you frequently need major dental work, a PPO plan is often the better choice despite higher costs.
💰 “How Much Does MetLife Dental Insurance Cost?”
MetLife’s pricing depends on coverage level, location, and employer sponsorship.
| Cost Factor 💵 | Estimated Price 💰 | Notes 📌 |
|---|---|---|
| Monthly Premiums (Individual PPO) 💳 | $15 – $50+ | Higher for comprehensive plans with orthodontics. |
| Monthly Premiums (Family PPO) 👨👩👧 | $40 – $150+ | Varies based on the number of dependents. |
| Deductible (Per Year) 📅 | $50 – $100 | Applies to basic & major services, not preventive care. |
| Annual Maximum 🎯 | $750 – $10,000 | Employer plans often offer higher max limits. |
| Orthodontic Lifetime Maximum 😁 | $1,000 – $2,500 | Once this cap is reached, no further ortho coverage. |
💡 Tip: Some MetLife plans allow you to carry over unused benefits to the next year—check if your plan offers this feature.
🔄 “What Does MetLife Cover? (And What Doesn’t It Cover?)”
MetLife prioritizes preventive care, but coverage varies by plan.
| Procedure 🏗️ | Typical MetLife Coverage ✅ | What to Watch For ❌ |
|---|---|---|
| Cleanings, X-Rays, Exams 🦷 | 100% covered | May be limited to twice per year. |
| Fillings & Simple Extractions 🦠 | 50-80% covered | Composite fillings cost more than silver ones. |
| Root Canals, Crowns, Bridges 🏗️ | 50% covered | Waiting periods & deductibles may apply. |
| Dental Implants 🏥 | ❌ Rarely covered | Some employer plans partially cover implants. |
| Orthodontics (Braces & Invisalign) 😬 | 50% covered, lifetime max applies | Only for dependents under 19 in most plans. |
💡 Tip: If you need extensive dental work, confirm coverage BEFORE scheduling any procedures.
🚨 “What Are the Most Common Complaints About MetLife Dental?”
Despite strong coverage and affordability, some policyholders experience billing issues and claim denials.
| Common Issue ⚠️ | Why It Happens ❌ | How to Avoid It ✅ |
|---|---|---|
| Claims Denied for Major Procedures 📄 | MetLife strictly follows policy terms, and some procedures require pre-authorization. | Ask your dentist to submit a pre-treatment estimate before proceeding. |
| Long Reimbursement Wait Times ⏳ | Some claims take weeks or months to process. | Use the MetLife mobile app to track claims and follow up. |
| Confusion Over In-Network vs. Out-of-Network Coverage 🏥 | PPO members can visit any dentist, but out-of-network costs are higher. | Always verify if your provider is in-network before treatment. |
| Orthodontic Coverage Limitations 😬 | Many plans have a lifetime cap and strict age limits for dependents. | If you need braces, confirm coverage details upfront. |
💡 Tip: If a claim is denied, ask your provider to appeal—it often gets approved upon review.
📲 “Does MetLife Have a Good Mobile App?”
MetLife’s mobile app is well-rated for convenience, allowing you to manage claims, find dentists, and track coverage.
| Feature 📱 | How It Helps ✅ |
|---|---|
| View Digital ID Cards 🏷️ | No need to carry a physical card. |
| Find In-Network Dentists 🦷 | Filters by location, specialty, and plan type. |
| Track Claims & Payments 💳 | Helps avoid unexpected bills. |
| Estimate Out-of-Pocket Costs 💰 | Know your costs before treatment. |
💡 Tip: Download the app immediately after enrolling to easily access your benefits.
Final Verdict: Is MetLife Dental Worth It?
✔️ Great for:
- People who prioritize preventive care (cleanings, exams, and X-rays).
- Families with employer-sponsored plans (lower premiums, better coverage).
- Those needing orthodontic coverage (if included in their plan).
❌ Be cautious if:
- You need major dental work like implants (often not covered).
- You expect fast reimbursements (claims processing may be slow).
- You don’t want to deal with waiting periods (common for new enrollees).
💡 Final Tip: Always compare plan details, request pre-treatment estimates, and check reviews for in-network dentists to get the most out of your coverage.
🔥 Still have questions about MetLife Dental Insurance? Drop them below, and we’ll continue providing expert insights! ⬇️
FAQs
💬 Reader Question 1: “Why does MetLife Dental deny some claims?”
Claim denials are a major frustration for some MetLife policyholders, but they usually happen due to plan limitations, documentation issues, or miscommunication between the dentist and insurance provider.
| Reason for Denial 🚫 | Why It Happens ❌ | How to Fix It ✅ |
|---|---|---|
| Waiting Period Not Met ⏳ | Some procedures (crowns, implants, orthodontics) have a waiting period before coverage applies. | Check your plan’s waiting period before scheduling major treatments. |
| Pre-Authorization Not Submitted 📑 | Some treatments require MetLife’s approval before the procedure. | Ask your dentist to submit a pre-treatment estimate to confirm coverage. |
| Out-of-Network Provider 🏥 | PPO plans cover out-of-network dentists, but at higher costs. | Always verify if your dentist is in-network before treatment. |
| Annual Maximum Exceeded 💰 | Most plans cap coverage at $750 – $10,000 per year. | Plan expensive procedures across multiple benefit years to maximize coverage. |
| Incorrect Billing Codes 📄 | A simple coding error by the dentist’s office can cause denials. | Ask the provider to resubmit the claim with corrected codes. |
💡 Tip: If your claim is denied, request an Explanation of Benefits (EOB) and appeal if necessary—many denials get overturned with proper documentation.
💬 Reader Question 2: “How does MetLife Dental compare to other providers?”
MetLife is one of the top dental insurers, but how does it stack up against competitors like Delta Dental, Cigna, and Aetna?
| Feature ⚖️ | MetLife Dental 🦷 | Delta Dental 🌟 | Cigna Dental 🏥 | Aetna Dental 💰 |
|---|---|---|---|---|
| Network Size 📍 | 146,000+ providers nationwide | 155,000+ providers | 93,000+ dentists | 120,000+ providers |
| Preventive Care Coverage 🦷 | 100% for cleanings & X-rays | 100% for cleanings | 100% in-network | 100% for checkups |
| Basic Services Coverage ⚡ | 50-80% (fillings, simple extractions) | 50-80% | 60-85% | 60-80% |
| Major Services Coverage 🏗️ | 50% (crowns, bridges, dentures) | 50% | 50-70% | 50% |
| Orthodontic Coverage 😬 | Available, but with a lifetime max | Available with some plans | Some plans include adult ortho | More limited than competitors |
| Annual Maximum 💰 | $750 – $10,000 | $1,000 – $5,000 | $1,000 – $3,000 | $1,500 – $5,000 |
| Customer Reviews 🌟 | Mixed—good network, but claim denials reported | Similar—good coverage but complaints about high costs | More positive—strong customer service | Lower-cost plans but limited provider access |
💡 Tip: If having the largest network is a priority, MetLife and Delta Dental are strong choices. If you want higher reimbursement rates, Cigna and Aetna may be better.
💬 Reader Question 3: “Does MetLife Dental cover dental implants?”
MetLife rarely covers implants fully, but some plans offer partial coverage for the implant crown or abutment.
| Implant Component 🏗️ | MetLife PPO Coverage ✅ | MetLife DHMO Coverage ❌ |
|---|---|---|
| Surgical Implant Placement 🛠️ | ❌ Usually NOT covered (unless medically necessary). | ❌ Not covered. |
| Implant Abutment 🔩 | ✅ Sometimes covered at 50%. | ❌ Not covered. |
| Implant Crown 👑 | ✅ 50% covered (if included in plan). | ❌ Not covered. |
| Bone Grafting 🦴 | ❌ Rarely covered. | ❌ Not covered. |
💡 Tip: If implants aren’t covered, consider dental discount plans or an HSA/FSA to reduce costs.
💬 Reader Question 4: “What should I do if MetLife Dental denies my orthodontic claim?”
Orthodontic coverage varies widely by plan, and many denials occur due to waiting periods, age restrictions, or plan exclusions.
| Denial Reason 🚫 | Why It Happens ❌ | How to Fix It ✅ |
|---|---|---|
| Waiting Period Not Met ⏳ | Some MetLife plans require a 12-month wait before ortho coverage applies. | Check your policy’s waiting period before starting treatment. |
| Lifetime Maximum Reached 💰 | Orthodontic benefits cap at $1,000 – $2,500 per lifetime. | Pay out-of-pocket or use an FSA/HSA to offset costs. |
| Adult Braces Not Covered 🏥 | Many MetLife plans only cover ortho for dependents under 19. | Look for plans with adult ortho benefits before enrolling. |
| Missing Pre-Authorization 📑 | Some plans require approval before treatment begins. | Ask your orthodontist to submit a pre-treatment estimate first. |
💡 Tip: If your plan excludes adult braces, ask about Invisalign discounts or ortho-specific payment plans.
💬 Reader Question 5: “What are the best ways to maximize my MetLife Dental benefits?”
To get the most out of your plan, follow these expert strategies:
| Strategy 🎯 | How It Helps ✅ |
|---|---|
| Use Preventive Care First 🦷 | 100% coverage for cleanings, exams, X-rays prevents costly dental issues. |
| Time Major Procedures Strategically 📆 | If near your annual max, split treatments across two years. |
| Stay In-Network Whenever Possible 🏥 | PPOs allow out-of-network visits, but costs are higher. |
| Use an FSA or HSA for Out-of-Pocket Costs 💰 | Tax-free dollars reduce expenses on non-covered treatments. |
| Request a Pre-Treatment Estimate 📑 | Avoid surprise bills by confirming coverage before major work. |
💡 Tip: If you have extensive dental needs, look for MetLife plans with higher annual maximums to avoid hitting your limit.
💬 Reader Question 6: “What’s the easiest way to check my MetLife Dental benefits?”
MetLife makes it easy to check benefits online or through their mobile app.
| Method 📲 | What You Can Do ✅ |
|---|---|
| MetLife Mobile App 📱 | View benefits, track claims, access digital ID cards. |
| MetLife Website 🌍 | Find in-network dentists, compare plans, estimate costs. |
| Customer Service Hotline ☎️ | Speak with a representative about coverage details. |
| Employer Benefits Portal 🏢 | Check employer-sponsored plan specifics. |
💡 Tip: Set up your MetLife account as soon as you enroll to easily track your benefits.
💬 Reader Question 7: “Why does MetLife Dental have waiting periods?”
MetLife, like most dental insurers, enforces waiting periods to prevent people from enrolling just to get expensive procedures covered, then canceling their policy afterward.
| Service Type 🏥 | Typical Waiting Period (PPO Plans) ⏳ | Why It Exists ❌ | How to Avoid It ✅ |
|---|---|---|---|
| Preventive Care (Cleanings, Exams, X-rays) 🦷 | No waiting period | Encourages early dental visits. | Use your benefits immediately! |
| Basic Services (Fillings, Simple Extractions, Gum Treatments) 🦠 | 3-6 months | Prevents immediate high-cost claims. | Choose employer-sponsored plans—they often waive waiting periods. |
| Major Services (Crowns, Root Canals, Bridges, Dentures, Implants) 🏗️ | 6-12 months | Protects insurance from immediate large payouts. | Look for no-waiting-period dental plans. |
| Orthodontics (Braces, Invisalign) 😬 | 12+ months | Ensures policyholders commit to long-term coverage. | Start coverage at least a year before needing braces. |
💡 Tip: If you need immediate dental work, consider discount dental plans, FSAs, or an HSA to offset costs while waiting for coverage.
💬 Reader Question 8: “Why does MetLife only cover part of my dental costs?”
MetLife’s dental insurance works on a shared cost model—they pay a portion, and you cover the rest.
| Coverage Level 🏆 | What MetLife Pays 💳 | What You Pay 💰 |
|---|---|---|
| Preventive Care (Cleanings, Exams, X-rays) 🦷 | 100% | $0 (unless out-of-network) |
| Basic Services (Fillings, Simple Extractions) 🛠️ | 50-80% | 20-50% + deductible |
| Major Services (Crowns, Root Canals, Bridges, Dentures) 🏗️ | 50% or less | 50% + deductible |
| Orthodontics (Braces, Invisalign) 😬 | 50% (if covered) | 50% + any amount beyond the lifetime max |
💡 Tip: Check if your plan has a deductible—most require you to pay $50-$100 before coverage kicks in.
💬 Reader Question 9: “Does MetLife cover teeth whitening and veneers?”
Cosmetic dentistry is usually not covered, but some higher-tier MetLife plans include partial coverage.
| Cosmetic Treatment ✨ | MetLife Coverage? ✅❌ | Why or Why Not? 🤔 | Alternative Options 💡 |
|---|---|---|---|
| Teeth Whitening (In-Office or At-Home Kits) 😁 | ❌ Not covered | Considered cosmetic, not medically necessary. | Look for HSA-eligible whitening options. |
| Veneers (Porcelain or Composite) 👄 | ❌ Not covered | Considered elective and not essential for oral health. | Ask about discounted cash pricing at your dentist. |
| Dental Bonding (for Minor Chips & Gaps) 🦷 | ❓ Sometimes covered | If needed for structural repair, not just aesthetics. | Check if your plan includes limited cosmetic repairs. |
| Braces & Invisalign (Orthodontics) 😬 | ✅ Sometimes covered | Depends on your plan & age limits. | Look for MetLife plans with orthodontic riders. |
💡 Tip: If cosmetic procedures are a priority, consider a dental savings plan, which offers 15-50% off elective treatments.
💬 Reader Question 10: “Why are my out-of-network costs so high?”
MetLife PPO plans allow out-of-network visits, but cost-sharing increases significantly.
| Factor 💳 | In-Network Cost ✅ | Out-of-Network Cost ❌ |
|---|---|---|
| Preventive Care (Cleanings, Exams, X-rays) 🦷 | 100% covered | Only partially reimbursed—patient pays more. |
| Basic Services (Fillings, Simple Extractions) 🛠️ | 50-80% covered | Often only reimbursed at lower rates. |
| Major Services (Crowns, Bridges, Dentures) 🏗️ | 50% covered | Lower reimbursement, patient pays 50%+. |
| Orthodontics (Braces, Invisalign) 😬 | 50% up to lifetime max | Rarely covered out-of-network. |
💡 Tip: Always check MetLife’s provider directory to ensure your dentist is in-network before treatment.
💬 Reader Question 11: “How do I avoid hitting my annual maximum too fast?”
Most MetLife plans have annual caps ranging from $750 to $10,000, so spreading out treatments strategically helps maximize benefits.
| Strategy 🎯 | How It Helps ✅ |
|---|---|
| Schedule cleanings early in the year 🦷 | Prevents small issues from turning into costly procedures later. |
| Break major treatments across benefit years 📆 | Start crowns, root canals, or dentures in December & finish in January. |
| Use an HSA/FSA for uncovered costs 💰 | Tax-free funds help offset out-of-pocket expenses. |
| Confirm all procedures are in-network 🏥 | Out-of-network treatments drain your maximum faster. |
💡 Tip: If your dental needs exceed your annual max, ask if your provider offers in-house financing to spread payments over time.
💬 Reader Question 12: “Does MetLife cover dental emergencies?”
Yes, but coverage depends on the plan and whether the provider is in-network.
| Emergency Type 🚨 | Covered? ✅❌ | Notes 📌 |
|---|---|---|
| Toothache or Infection 🦠 | ✅ Yes, if it requires urgent care. | Antibiotics, pain relief, or extractions may be covered. |
| Broken Tooth (Non-Cosmetic) 🏗️ | ✅ Yes, if medically necessary. | Cosmetic repairs (veneers) may not be covered. |
| Knocked-Out Tooth (Trauma) 🏥 | ✅ Emergency procedures often covered. | Follow-up restorations may not be fully covered. |
| Emergency Room Visit for Dental Pain 🚑 | ❌ Rarely covered unless related to a broader medical emergency. | ER visits for dental pain are often out-of-pocket. |
💡 Tip: If you have a dental emergency, call MetLife’s customer service to confirm coverage before treatment.
💬 Reader Question 13: “How do I file a claim with MetLife?”
Most MetLife dental claims are handled by the dentist, but you may need to file manually if you go out-of-network.
| Step 📝 | What to Do ✅ |
|---|---|
| 1. Get an Itemized Receipt 🏥 | Ask your dentist for a detailed bill with procedure codes. |
| 2. Download the MetLife Claim Form 📄 | Available on MetLife’s website or mobile app. |
| 3. Fill Out Required Information ✍️ | Include policy details, procedure codes, and provider info. |
| 4. Submit via App, Mail, or Fax 📩 | Claims can be uploaded digitally for faster processing. |
| 5. Track Status Online or Call for Updates 📲 | Use MetLife’s portal to check claim progress. |
💡 Tip: Submit claims ASAP—MetLife typically processes claims within 2-4 weeks, but delays can happen.
💬 Reader Question 14: “Why does MetLife Dental have an annual maximum, and what happens when I reach it?”
MetLife, like most dental insurance providers, places a cap on the amount they will pay per year to control costs and prevent excessive claims. Once you hit the annual maximum, you are responsible for 100% of additional dental expenses for the rest of the year.
| Annual Maximum 🎯 | Typical Amount 💰 | What Happens When You Reach It? ❌ | How to Avoid Exceeding It ✅ |
|---|---|---|---|
| Low-tier Plans 🏥 | $750 – $1,500 | No further coverage for the year—out-of-pocket for all treatments. | Spread treatments across multiple years if possible. |
| Mid-tier Plans 💳 | $2,000 – $5,000 | Insurance stops covering procedures after max is reached. | Use an FSA/HSA to supplement uncovered costs. |
| High-tier Plans (Premium PPOs) 🌟 | $5,000 – $10,000+ | Coverage runs out if you need extensive dental work. | Ask your dentist if procedures can be delayed into the next year. |
💡 Tip: If you expect major dental work, consider a plan with a rollover feature, which allows unused benefits to carry over to the next year.
💬 Reader Question 15: “Does MetLife Dental cover dentures and bridges?”
Yes, but coverage depends on your specific plan and whether the procedure is deemed medically necessary.
| Treatment 🦷 | MetLife PPO Coverage ✅ | MetLife DHMO Coverage ❌ | Important Notes 📌 |
|---|---|---|---|
| Complete Dentures (Full Set) 😁 | 50% covered (after deductible) | ❌ Not covered under DHMO | May have waiting periods & replacement limitations. |
| Partial Dentures 🏗️ | 50% covered | ❌ Not covered | Limited to one set per 5-10 years. |
| Bridges (Fixed Prosthetic) 🔩 | 50% covered | ❌ Not covered | Missing tooth clauses may apply—check your policy! |
| Denture Relining & Adjustments 🛠️ | Sometimes covered | ❌ Not covered | Coverage varies by plan and frequency limits. |
💡 Tip: If your plan has a missing tooth clause, consider alternatives like a dental discount plan to offset costs.
💬 Reader Question 16: “What is a missing tooth clause, and how does it affect my MetLife coverage?”
A missing tooth clause means that MetLife won’t cover replacing a tooth that was lost before your policy started. This applies to implants, bridges, and dentures.
| Factor 🔍 | How It Affects Coverage ❌ | What You Can Do ✅ |
|---|---|---|
| Tooth Lost Before Coverage Began 🦷 | No benefits for replacing it—must pay out-of-pocket. | Consider a plan without a missing tooth clause. |
| Tooth Lost While Covered ⏳ | Replacement may be covered (50% on PPO plans). | Check waiting periods before scheduling the procedure. |
| Alternative Coverage Options 💰 | FSA, HSA, or dental discount plans can help reduce costs. | Ask your employer if missing teeth are covered under your plan. |
💡 Tip: If you need a bridge or implant but have a missing tooth clause, get a second opinion or request a pre-treatment estimate to confirm costs.
💬 Reader Question 17: “Does MetLife Dental cover gum disease treatments?”
Yes, MetLife covers periodontal treatments, but coverage depends on the severity of the condition and the type of procedure needed.
| Gum Disease Treatment 🦷 | MetLife PPO Coverage ✅ | MetLife DHMO Coverage ❌ | Frequency Limits & Conditions 📌 |
|---|---|---|---|
| Scaling & Root Planing (Deep Cleaning) 🪥 | 50-80% covered | ❌ Not covered under DHMO | May be limited to once per quadrant per year. |
| Gum Surgery (Gingivectomy, Flap Surgery) 🏥 | 50% covered | ❌ Not covered | Pre-authorization may be required. |
| Periodontal Maintenance (After Deep Cleaning) 🛠️ | 50-80% covered | ❌ Not covered | Typically covered twice per year after treatment. |
💡 Tip: If you’ve had gum disease before, check if your plan has a waiting period for periodontal treatments.
💬 Reader Question 18: “What happens if my dentist doesn’t accept MetLife insurance?”
If your dentist is out-of-network, you can still receive care, but your costs will be significantly higher.
| Factor ⚖️ | In-Network Dentist ✅ | Out-of-Network Dentist ❌ |
|---|---|---|
| Preventive Care (Cleanings, X-Rays, Exams) 🦷 | 100% covered | Partial reimbursement—higher out-of-pocket cost. |
| Basic Services (Fillings, Extractions, Root Canals) 🏗️ | 50-80% covered | Lower reimbursement—patient pays more. |
| Major Services (Crowns, Bridges, Dentures, Implants) 🔩 | 50% covered | Higher cost due to limited reimbursement. |
| Orthodontics (Braces, Invisalign) 😬 | 50% covered (if included in plan) | Rarely reimbursed—patient pays more. |
💡 Tip: If your favorite dentist is out-of-network, ask if they offer cash discounts or payment plans to reduce costs.
💬 Reader Question 19: “Can I use my MetLife dental benefits for cosmetic procedures?”
MetLife does not cover most cosmetic procedures, but some limited exceptions apply.
| Cosmetic Procedure ✨ | MetLife Coverage? ✅❌ | Alternative Payment Options 💰 |
|---|---|---|
| Teeth Whitening 😁 | ❌ Not covered | Use HSA/FSA funds or a dental discount plan. |
| Veneers 👄 | ❌ Not covered | Ask about cash-pay discounts from your dentist. |
| Cosmetic Bonding (for Minor Chips/Gaps) 🦷 | ❓ Sometimes covered | Only if medically necessary (structural repair). |
| Clear Aligners (Invisalign, SmileDirectClub) 😬 | ✅ Sometimes covered | Check if orthodontic benefits apply to clear aligners. |
💡 Tip: If cosmetic procedures are important to you, look for a high-tier PPO plan that offers some elective coverage.
💬 Reader Question 20: “What should I do if MetLife denies my claim?”
A denied claim isn’t the final decision—you can appeal and request a review.
| Step 📝 | What to Do ✅ |
|---|---|
| 1. Review the Explanation of Benefits (EOB) 📑 | Identify why the claim was denied (waiting period, coding error, missing authorization, etc.). |
| 2. Contact MetLife Customer Service ☎️ | Ask for a detailed reason for denial and possible corrections. |
| 3. Have Your Dentist Resubmit the Claim 📄 | Ensure the correct billing codes were used and provide additional documentation if needed. |
| 4. File a Formal Appeal (if needed) ✍️ | Submit a written appeal with supporting documentation within MetLife’s required time frame. |
| 5. Follow Up on the Status ⏳ | Track your claim via MetLife’s online portal or call for updates. |
💡 Tip: Many initial claim denials get approved upon review, so always follow up and provide additional documentation if necessary.
