Metlife Reviews 703

ZERO. Disgusting. Predatory. Deceitful. Appalling. Everyone avoid enrolling in any MetLife product and provide feedback to your employer, HR rep, benefits broker, anyone possible who can help you avoid an experience with ANY of their products. File negligence claims in your state and report to any consumer protection agency available. WORST consumer experience designed to scam you and not pay claims. UNETHICAL!!

One of the worst conversations I've ever had about something so simple. Very unpleasant. The person kept repeating answers to a questions no one asked. Very bizarre. Woman sounded irritated and avoidant.

After 20 years of paying $599 annually on time for a $500M term policy, received notice there would be a premium increase that ‘may be significant.’ So I called. ‘Significant’ is an understatement: the increase is over 1,265%, to $7,579 per year! This is unconscionable.

If I could give zero stars I would. My employer selected Metlife to be our PFML provider. As a first time mom and paid bonding leave is new in Minnesota, there has been little to no help provided completing this process. I filed my claim on 01/05/26. As of today 02/06/16, my claim has still not successfully processed with no payments dispersed, which is VERY financially stressful while navigating having a new baby.

Metlife's online portal was down when I first started this process. So, I had to submit the claim via phone. It took calling 3 times the following week and a half for Metlife to realize that my original application had been lost. In the weeks that followed, Metlife gave me incorrect information on how I would receive necessary paperwork, wouldn't call me when something is wrong or they needed more for my claim and parts of their website still were not working (direct deposit hyperlink did not enter my info on my file). This has cost me more time, delaying any income. When you call, their go to line is it takes up to 5 business days for your case manager to process information. Only once did the associate actually check my file and provide a helpful update. Hearing 5 more business repeatedly adds up, especially if things need to be added or corrected. Do yourself or your employees a favor and go with a different provider.

Incredibly slow to respond to claims even when provided with the evidence requested.
Very poor customer service.
I have been informed that I will soon receive ‘ an update’ as they review my claim.
I’m now wondering what that may mean.
If they have the necessary information I don’t understand why they can’t review it in a timely manner.
Terrible.

My 403b with an old employer was being withdrawn without my consent and it was impossible to reach them. Will be filing a police report.

I called customer service, to ask a question about form ,I received from you. I got a foreign person, barely spoke English, and was not sure what she was talking about. And you have her answering phones, I think NOT! She was very confused.

I was told that my claim was approved but received ZERO disability benefit payments. I had to file a claim but to follow up had to be daily emails and calls. No one was helpful and they kept making excuses not to release any benefit payments. I had to follow up for a total of 3 months and then was told claim was denied? I filed an appeal and after 3 additional weeks, I was denied. Excuse after excuse. I had to use savings to cover my expenses for months while waiting on my employer approved benefit claim payments.

As a dental provider, it is extremely difficult to reach a real customer service representative at MetLife. Calling their provider support line is a very frustrating experience. The automated AI system repeatedly asks verification questions, provides unnecessary information, and then fails to properly route calls to a live representative.

Even after providing all required information and clearly requesting a representative, the system often states it “cannot hear me” and disconnects the call. This forces me to redial again and again, only for the same issue to happen repeatedly.

On the rare occasion that I am finally able to reach a human representative, I am asked to provide the exact same information that I already gave to the AI system. This is extremely inefficient and frustrating.

I have spent 1–2 hours just trying to reach provider support, which is an unacceptable waste of time for a busy dental office. MetLife seriously needs to improve its provider support process by reducing or removing ineffective AI automation and allowing providers to reach knowledgeable representatives directly. The current system is unprofessional and deeply disappointing.

Signed up for insurance through my employer who now uses "Hooray Health" as the "storefront". (Hooray Health is a whole other joke) Metlife produces the policies. When nothing was showing up in my Metlife account for my policies, there was a message on the website about missing benefit information and to call a number. After being taken in circles by multiple AI voices, speaking to multiple people who transferred me and gave me three different numbers to call, I was finally able to get to a human who could barely speak English. I haven't even started any claims process but I'm not looking forward to any of it if this is how they handle their "customer service". HOW ARE THESE COMPANIES ALLOWED TO OPERATE LIKE THIS IN THE UNITED STATES OF AMERICA????"

Absolutely the worst customer service in the history of the world. Website is useless, automated phone service is ultra useless and once you finally get a live person on the phone, they don't know anything and had the audacity to re-route me back to the automated phone line. These people are the worst.

This is the absolute worst company! I already had to use them once for a STD claim and was assigned Andrea as my claims rep. Which when the claim was done I was emailed a survey to do on my experience with her so I was honest it was horrible....not knowing I would again need to file a claim for a surgery I just had on both hands and would be assigned the same rep. And due to my past experience with her and I'm sure her seeing her review she has flat out refused to work my claim in any way at all. My doctor's surgeons and everyone in-between have sent in every document she needs to process the claim and she won't do anything with it....I call in and am told a call back will happen within 24 hrs nothing I ask for her supervisor nothing I make sure I also follow up everything via email so it's all documented in writing all the documents the doctors sent etc. it's been almost a month post op now and still nothing.
My HR department wants my feed back on how all this has gone since I'm the first employee to use MetLife and their about to switch to a different company because of how unprofessional all this is.

This in regards to my MetLife Critical Illness Insurance policy obtained through my employer, which I paid for monthly since 2015 (11 years). The policy appeared to be comprehensive, covering a range of critical conditions I had hoped to never face, including open heart surgery. Unfortunately, when I had to go through open heart surgery this past year, MetLife denied my claim because the open heart survey was for an aneurysm and not a narrowing or blockage. My word of caution before you purchase their Critical Illness coverage: understand that they will do everything to politely and bureaucratically deny coverage, so do not assume the policy is comprehensive even if it appears to be. The policy is written so there is a LOT of wiggle room for denials. You may need to engage an attorney from the start to receive your claim, and that will cost you about 40-50% of any payout and a lot of hassle for both you and your medical team at a time when you are dealing with a critical health issue. Consider putting the money into health savings account. (Note: My MetLife hospital indemnity policy worked as described because it paid exactly what it said it would based on number of days in the hospital, quantitative metrics.)

I wish I had seen real consumer reviews instead of PR advertising. They gladly took my money every month with the false promise that it would be an easy process. I don't recommend using this service. They will give you the run-around and eventually deny your claim.

The single worst customer service experience of my entire life. Reps have virtually no product knowledge, unresponsive to requests for basic information about account, bounced back and forth between customer service and tech when I could not create an online account. Don't spend a penny with this company--you will regret it.

So I would never recommend them. They are very slow in processing. I submitted a claim in September and it’s still in review. I’ve spoken to them several times and I get the same answers they’ve escalated and still know response. It’s getting a little old they ask for additional details I was provided him the same thing. They’ve asked me 5×5 times I’ve uploaded the documents. They are ridiculous. They are slow and to be honest. I don’t think they know who’s doing what when where and how the most unorganized and efficient processing claim company I have ever seen.

I want to cancel my life insurance policy. There process requires I fill out a form and submit it. They indicate one option of submitting the form is by attaching it to an email. This seemed like a good option for me, so I tried it. I called back two days later to ensure they received my form and they told me they had received it, but their forms import process had made the form illegible and they sent me a letter via USPS to inform me of that. (USPS?! for real?) I should receive the letter in 5 business day, which is ridiculous for an electronically submitted form.

So I asked if there was another way to submit the form and the pointed me to an online process where I could attach the form document and receive a status update on the progress. Within one day, the status of my submission went from "received" to "in progress" to "complete" with additional text saying, "Your form was successfully reviewed."

So think I'm good to go, but no. A week later, they take my monthly premium again. So I called again only to find out that, even though my submission showed a status of "complete", that only meant the review was complete and they were USPS mailing me a response saying they couldn't read the submission. Ridiculous!

So I submitted the form as a fax (yes, a fax) and they were able to read the document. Now I have to wait 2 days to call back and confirm they actually processed the cancellation. What a pain!

Absolutely the worst customer service system I have experienced in recent memory. Calls drop constantly, reps struggle to understand English, they fail to follow through on what they're supposed to do. Stay as far away from this garbage as possible.

WARNING WARNING WARNING!!!!!!
DO NOT LET THEM TAKE YOUR MONEY.
They are one of the worst insurance companies when it comes to NCD dental insurance. They make it impossible to file a claim with favorable results. After 8 months I was scheduled for a maintenance periodontal cleaning. It was DENIED for reasons related to a "questionnaire" being incomplete. No one has shown even the slightest interest in resolving this. Altho, they have no problems when it comes to taking your money each month. But dare to file a claim and you'll find they are so poorly handled. In fact, I canceled my policy today. I can't stress enough STAY AWAY FROM METLIFE DENTAL PLANS. And just for anyone interested, I had the Elite 5000 plan. GARBAGE. You've been WARNED!!

Trash and very misleading