My husband has been paying for his dental insurance that was offered by Met Life.
He had a partial, but the ONLY anchor tooth, #16 had to be extracted due to severe decay and perio pocketing. His dentist's suggestion and only treament plan at this point was to place two implants with a pontic in the middle, hence a bridge.
Met Life refused the claim. Their consults said that there was an alternative to replace his teeth, a partial, even though an anchor tooth did not exist and was impossiable. After talking with a customer service representative that knew nothing upon admission, about dentistry said they would not cover it because too many teeth were missing.
So, I then asked if they would pay for one implant to replace the anchor tooth and a new partial. The answer was no. Too many teeth were missing.. So their answer to a satisfactory replacement of teeth was to do nothing. I would not ever recommended anyone using this company as you will pay through the nose and get everything denied, denied, denied..... We are now in the process of changing insurance companies because of their smart idea of no teeth being the answer to his dental problems, and suck his meals through a straw... Met Life is going to be reported to the OPM and that's something they don't want to hear, but we are going to pursue this, even though we are dropping them.
R A Butler