When you sign up for Safeguard Dental HMO (Met Life Dental HMO), the prices are listed and it shows exactly what's covered and how much your co-pay is. When you go to ANY of the dentists listed on the list (you have to choose one dentist and that is your dentist - you can change once per month at the beginning of the month, but it doesn't matter - of the nearly dozen dentists my wife and I have had, we have run into the same problem every time).
The co-pay for a crown is $150. The dentist first told my wife that her co-pay with deep cleaning was $1900. She told them she didn't want the deep cleaning, and just to do the crowns. They told her she has to have the deep cleaning, since that was the dentists orders. She told them she isn't doing it at all, and how much is it for just two crowns. They told her $800. She called the insurance, and they confirmed that the $150 was her copay, not $800.
They did say the dentist can charge whatever he wants for lab fees, and this is the trick - The dentist will charge $200 for "Irrigation" with Listerine, or $500 for "lab fees," which is not the price he charges cash or PPO patients. It's illegal, and it's a scam.
We cannot find one single dentist who will stick to the HMO plan, and keep getting the runaround with every dentist, telling us that they don't do that work listed on the co-pay sheet, and we need to get special work done, or some other BS unethical crap.
How is it that EVERY SINGLE DENTIST on the list is a crooked, money-grubbing ripoff? TOTALLY UNETHICAL.
We would just have them do the work and take them to small claims, but they won't do the work approved by our nsurance. Yes, our problem is with both the dentists themselves, but the insurance will not stop their relationship with the crooked dentists. The insurance is making money because the dentists won't do the big work, and the dentists are making money because they get paid very well for preventative care, like cleanings, x-rays, fillings, etc. It's totally worth it to the dentists to have these HMO patients, because most of them will just pay cash to get the major work done.
I'm so sick of insurance companies promising something that they don't give. Like the saying says, "if it looks too good to be true, it probably is!"
It has become COMPLETELY obvious that METLIFE uses every possible tactic to delay payment of benefits to it's consumers and surviving relatives. My MOTHER passed away almost TWO MONTHS ago and METLIFE's service is completely designed to avoid and delay payment. It has taken me these two months alone to get the FIRST set of papers to file to obtain payment and now AGAIN I am having the same multi-phone call game with them to get answers.
Each time I call they tell me I have gotten the wrong department and I am calling the number they tell me to CALL! The first time I called them when my mother passed away they eventually told me after talking to quite a few idiots that I had to answer their teleprompting (voice) questions wrong in order to get the right department! I said, ""BUT those are the wrong ansers!"" The representative said, ""I know, I know, but that's what you got to do to get the rigght department."" ARE YOU SERIOUS! That is basic business tom foolery.
My mother was part of Delta Airlines until she retired and I am sure Delta is not aware (hopefully) of the situation that METLIFE is putting surviving relatives through in order to obtain their benefits!
I am done playing the phone games and word games with METLIFE in order to recieve my benefits and told them so... I can clearly see when someone's system is designed to deter prosective claims. I am going to an insurance board or governing agency with my claim and deal with them that way and maybe they will decide to fulfill their end that way...
IF YOU HAVE A CHOICE! PLEASE DO NOT CHOOSE METLIFE!! YOU OR YOUR BENEFICIARIES WILL REGRET IT!!!
MetLife Reviews
When you sign up for Safeguard Dental HMO (Met Life Dental HMO), the prices are listed and it shows exactly what's covered and how much your co-pay is. When you go to ANY of the dentists listed on the list (you have to choose one dentist and that is your dentist - you can change once per month at the beginning of the month, but it doesn't matter - of the nearly dozen dentists my wife and I have had, we have run into the same problem every time).
The co-pay for a crown is $150. The dentist first told my wife that her co-pay with deep cleaning was $1900. She told them she didn't want the deep cleaning, and just to do the crowns. They told her she has to have the deep cleaning, since that was the dentists orders. She told them she isn't doing it at all, and how much is it for just two crowns. They told her $800. She called the insurance, and they confirmed that the $150 was her copay, not $800.
They did say the dentist can charge whatever he wants for lab fees, and this is the trick - The dentist will charge $200 for "Irrigation" with Listerine, or $500 for "lab fees," which is not the price he charges cash or PPO patients. It's illegal, and it's a scam.
We cannot find one single dentist who will stick to the HMO plan, and keep getting the runaround with every dentist, telling us that they don't do that work listed on the co-pay sheet, and we need to get special work done, or some other BS unethical crap.
How is it that EVERY SINGLE DENTIST on the list is a crooked, money-grubbing ripoff? TOTALLY UNETHICAL.
We would just have them do the work and take them to small claims, but they won't do the work approved by our nsurance. Yes, our problem is with both the dentists themselves, but the insurance will not stop their relationship with the crooked dentists. The insurance is making money because the dentists won't do the big work, and the dentists are making money because they get paid very well for preventative care, like cleanings, x-rays, fillings, etc. It's totally worth it to the dentists to have these HMO patients, because most of them will just pay cash to get the major work done.
I'm so sick of insurance companies promising something that they don't give. Like the saying says, "if it looks too good to be true, it probably is!"
DON'T EVER CHOOSE SAFEGUARD DENTAL HMO!
It has become COMPLETELY obvious that METLIFE uses every possible tactic to delay payment of benefits to it's consumers and surviving relatives. My MOTHER passed away almost TWO MONTHS ago and METLIFE's service is completely designed to avoid and delay payment. It has taken me these two months alone to get the FIRST set of papers to file to obtain payment and now AGAIN I am having the same multi-phone call game with them to get answers.
Each time I call they tell me I have gotten the wrong department and I am calling the number they tell me to CALL! The first time I called them when my mother passed away they eventually told me after talking to quite a few idiots that I had to answer their teleprompting (voice) questions wrong in order to get the right department! I said, ""BUT those are the wrong ansers!"" The representative said, ""I know, I know, but that's what you got to do to get the rigght department."" ARE YOU SERIOUS! That is basic business tom foolery.
My mother was part of Delta Airlines until she retired and I am sure Delta is not aware (hopefully) of the situation that METLIFE is putting surviving relatives through in order to obtain their benefits!
I am done playing the phone games and word games with METLIFE in order to recieve my benefits and told them so... I can clearly see when someone's system is designed to deter prosective claims. I am going to an insurance board or governing agency with my claim and deal with them that way and maybe they will decide to fulfill their end that way...
IF YOU HAVE A CHOICE! PLEASE DO NOT CHOOSE METLIFE!! YOU OR YOUR BENEFICIARIES WILL REGRET IT!!!