Met Life Federal Dental Plan

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   I joined the Met Life Federal  Dental Plan when it started this year.

I've filed one claim which has been dragging on  and on for over 4 months and I perceive it as being handled vey poorly. Perhaps this is something unusual, but I'm curious:

What have your experiences been with Met Life Federal  Dental Plan ?

also If I want to write OPM about the plan's service, can anyone direct me to the proper office of  OPM?  Thanks.

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communipaw Members Profile Send Private Message Find Members Posts Add to Buddy List Groupie Joined: 26 May 2007 Posts: 68	Post Options Post Reply Quote communipaw Report Post Quote Reply Topic: Met Life Federal Dental Plan Posted: 07 Aug 2007 at 4:29pm
	I joined the Met Life Federal Dental Plan when it started this year. I've filed one claim which has been dragging on and on for over 4 months and I perceive it as being handled vey poorly. Perhaps this is something unusual, but I'm curious: What have your experiences been with Met Life Federal Dental Plan ? also If I want to write OPM about the plan's service, can anyone direct me to the proper office of OPM? Thanks.

ejm604 Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 30 Apr 2002 Posts: 522	Post Options Post Reply Quote ejm604 Report Post Quote Reply Posted: 07 Aug 2007 at 6:05pm
	Their service for me has been pretty good, time wise. Watch out for lower payments ie: metal vs white. Stay in Network to avoid being over charged.

HBS Members Profile Send Private Message Find Members Posts Add to Buddy List Newbie Joined: 08 Aug 2007 Posts: 9	Post Options Post Reply Quote HBS Report Post Quote Reply Posted: 08 Aug 2007 at 5:27pm
	Hi! I've had similar problems, because MetLife has questioned even whether or not the dentist should have put in crowns, rather than a filling! Also, the crowns that were approved were at the cost of metal crowns, since their location was not in front. Finally, a recent cleaning was questioned by MetLife, where they wanted some sort of further documentation of the need for a cleaning!!! Needless to say, I will be shopping for a different dental plan this open season. I chose Met Life, because the $3000 maximum per year per person seemed like a "no brainer". Well, if they do not pay anything, it doesn't matter!

lgisenberg Members Profile Send Private Message Find Members Posts Add to Buddy List Newbie Joined: 09 Aug 2007 Posts: 1	Post Options Post Reply Quote lgisenberg Report Post Quote Reply Posted: 09 Aug 2007 at 4:37pm
	I agree 100%. The idea of the federal dental plans not being primary payer for the federal dental plans is a large problem. When sending a claim to MetLife first they return it for me to send it to my BC&BS first. Then I next send it back to MetLife and in every case they need more info. The problem with this is they never seem to receive the additional info I send?? After several months of this game I e-mailed OPM about their federal dental problem. The next month I received a letter from MetLife stating all the problems I had were my fault?? Surprising they also stated that they had finally received the additional info they requested. I did receive some of the claims paid within a few week of receiving their letter. I would advise others to stay away from MetLife dental. They seem to be in the business of making money. Too bad the federal dental plan does not work like our health benefits plans work.

ejm604 Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 30 Apr 2002 Posts: 522	Post Options Post Reply Quote ejm604 Report Post Quote Reply Posted: 09 Aug 2007 at 6:09pm
	Met Life Dental is primary for me, as my dentist is not affiliated with the FEHB HMO I am a member of. Because of this I really believed they were prone to substitute cheaper procedures. My dentist explained that either way they (Met Life) would be tight. The reason OPM made them secondary was probably to keep the premiums lower in the first year. So much for OPM, when they bypass the Medicare Part D supplement available to the tune of over a billion dollars! This could of lowered premiums or enhanced coverage in the FEHB plans.

bigalbert30 Members Profile Send Private Message Find Members Posts Add to Buddy List Newbie Joined: 10 Aug 2007 Posts: 1	Post Options Post Reply Quote bigalbert30 Report Post Quote Reply Posted: 10 Aug 2007 at 6:00am
	Met Life Dental is primary for me (I have Mail Handlers FEHB Standard with no dental benefits) So far I have had over $2000 in dental bills paid by Met Life (mainly periodontal surgery). There have been some problems (asking me numerous times to confirm that I do not have a FEHB primary coverage; sending my claim for 30-day review that actually took almost 60 days) but eventually they paid and it saved me a ton of money. My dentist is in-plan and was willing to work with them and be patient about the reimbursement. So all-in-all I am reasonably satisfied with Met Life and plan to renew for next year.

JoeBlows Members Profile Send Private Message Find Members Posts Add to Buddy List Groupie Joined: 02 Nov 2006 Posts: 55	Post Options Post Reply Quote JoeBlows Report Post Quote Reply Posted: 10 Aug 2007 at 7:17am
	MetLife is a business. They couldn't care less about your health. The only health they care about is their bottom line, the health of which depends on maximizing the difference between what comes in vs. what goes out. This statement applies to any insurance company. The profit motive should be taken out of medicine. If you want to argue, see Sicko first. Joe

postalwiz Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 28 Nov 2006 Posts: 3272	Post Options Post Reply Quote postalwiz Report Post Quote Reply Posted: 13 Aug 2007 at 6:16pm
	I have dental MetLife; I go to one of the Dentists that they have as one in their lists of Dentists; Blue Cross pays first, Met Life pays second; they both pay according to their fee agreement with the Dentist; I do not bill either one of them, the Dentist office does and I have had quite a few appointments this year; I have not had any problems with either one of them; and while there was some question about one of the procedures they communicated with the Dentists' office directly, you can always call their 800 line and get information on your claim or talk to someone. But I would leave the billing to the Dentists' office unless they refuse to do so.

charko Members Profile Send Private Message Find Members Posts Add to Buddy List Advisor Joined: 20 Mar 2002 Posts: 126	Post Options Post Reply Quote charko Report Post Quote Reply Posted: 15 Aug 2007 at 11:06am
	I was going to take out met life dental the one with the 3000 cap. I posted this back in April I think guess it was to early. My question was/is what happens after you reach the cap? Were you still charged the cap rate or were you charged reasonable and customary fees? We took out Discount Aneta through the Dental plans com but I am not to happy with it and don't really know how much the plan saved me.

postalwiz Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 28 Nov 2006 Posts: 3272	Post Options Post Reply Quote postalwiz Report Post Quote Reply Posted: 15 Aug 2007 at 11:29am
	What the cap does is after the cap the insurance company will not pay any more for the year but they should still charge you at the Dentist's office if you have one of their Plan Dentist's the fee agreed upon.