Frequently Asked Questions

Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during your enrollment period, and be actively at work.

Accidents can happen anytime, anywhere and always when you least expect them. What’s more, they can be costly. 

Even the best medical plans can leave you with extra expenses to pay or services that just aren’t covered, like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Yes. Your accident coverage is guaranteed¹, regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Payments will be paid directly to you, not to the doctors, hospitals or any other health care providers. To make things even easier, the check is made payable to you. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.²

Yes, you can use your payment as you see fit. Use it to help cover your medical insurance deductibles, copays, household bills and more.

Yes, you can enroll both yourself and your eligible family members.³ All you need to do is enroll during the enrollment period and be actively at work.

One of the hardest parts of managing illnesses like cancer, a heart attack or stroke is providing the support and comfort your family needs beyond the cost of care.

Even the best medical and disability income plans can leave you with extra expenses to pay or services that just aren’t covered, like medical plan deductibles and copays, or extra costs for out-of-network care. If you’re out of work because of a disability, it might be that only some of your income is protected. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Yes. Your critical illness coverage is guaranteed,⁴ regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Your plan pays an additional benefit (Recurrence Benefit) if a medical condition reoccurs for: a heart attack, stroke, coronary artery bypass graft, full benefit cancer and partial benefit cancer. A recurrence benefit is only available if the initial benefit has already been paid for the covered condition. There is a benefit suspension period (or waiting period) between recurrences.⁵

Benefits will be paid directly to you, not to the doctors, hospitals or any other health care providers. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.⁶

There are thousands of general dentists and specialists to choose from nationwide, so you are sure to find one who meets your needs. Look for a list of participating dentists online at metlife.com.

You are always free to select any general dentist or specialist, however, you usually save more when you visit a participating dentist. He/she has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 30-45% below the average fees charged in a dentist’s community for similar services.¹¹ Non-participating dentists have not agreed to accept negotiated fees so you may be responsible for any difference in cost between the dentist’s fee and your plan’s benefit payment. 

We recommend that you request a pre-treatment estimate for services totaling more than $300. Simply have your dentist submit a request online at metdental.com or call 1-877-MET-DDS9. You and your dentist will receive an estimate for most procedures while you are still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment.

A number of dental procedures, including:¹² Exams and cleanings, root canals, X-rays, filings and much more.

Dentists may submit claims for you which means you have little or no paperwork. You can track your claims online and even receive e-mail alerts when a claim has been processed. If you need a claim form, visit metlife.com/mybenefits or call 1 800 GET-MET8.

Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during the open enrollment period and be actively at work. Some dependents may not be subject to medical restrictions as outlined in the Certificate, but some states require the insured to have medical coverage and some additional restrictions apply to dependents serving in the armed forces or living overseas.

Hospital stays can be pricey, and often unexpected. Even the best medical plans can leave you with extra expenses to pay or services that just aren’t covered, like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Yes. Your hospital indemnity coverage is guaranteed,⁷ regardless of your health. You just need to be actively at work. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Payments go directly to you, not to the doctors, hospitals or any other health care providers. To make things even easier, the check is made payable to you. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

Yes. This coverage is portable, meaning you can take it with you wherever you go. Your coverage will only end if you stop paying your premium or if your current employer chooses to cancel the group hospital indemnity insurance policy.⁸

While having life insurance provided by your employer is a great benefit, it’s possible that it may not be enough to adequately provide for your family. Additional life insurance can give your family greater financial security if you are no longer here to earn a paycheck.

Everyone is different, but you probably need more than you have now. The insurance you need changes as your life changes — for example, getting married, starting a family or buying a home might change the coverage you need. Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face.

It’s simple to determine the amount of coverage you need now:
Go to www.metlifeiseasier.com to calculate how much life insurance may be right for you.

It may be less expensive than you think. MetLife’s group life insurance plans are an economical way for you to provide for your family with competitive group rates and a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials provided by your employer.

Premiums are conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

• You get competitive group rates and a wide range of coverage options to choose from  
• Proceeds are generally income tax free and can be paid to your beneficiary in a lump-sum payment 
• You will have the convenience of having premiums automatically deducted from your paycheck

Getting started is easy. You simply choose an attorney in any specialized area of practice from our network, which is available online or via one of our representatives. We will then give you an assigned case number to share with your lawyer when you make an appointment. It’s that simple. 

You can speak to our Network Attorneys face to face, by phone or you can submit questions online to our Attorney e-Panel – whatever works best for you. For certain legal matters, your attorney can represent you in court without you having to make an appearance. 

Our Network Attorneys are there for you, whenever you need advice on any personal legal matter or representation on a number of legal services covered under your plan, giving you peace of mind that you’ve got an expert on your side, for as long as you need them.

Even experienced attorneys need to grow their practice. By providing exceptional service to you and other plan members, they can gain more clients through your referrals. That’s how we’ve established a large network of highly experienced attorneys, averaging 25 years of experience. Every year, all participating lawyers in our attorney network are re-credentialed.

Yes – our Client Service Center representatives are here to help you find the right attorney that’s best placed to help you with your legal matter, whatever that might be. We’re committed to ensuring you receive the expert legal help you need, when you need it.

Yes – you can use any attorney you’d like. If you choose an attorney outside of our network, we’ll reimburse you for services based on a set fee schedule.⁹

Yes, you have unlimited use of the plan over the course of the year for covered legal matters.¹⁰

Less than you might think. For less than a dollar a day, you can have our legal experts on your side, for as long as you need them. You can find the exact cost for your plan in the enrollment materials provided by your employer.

MetLife Vision covers a wide range of services. They include routine eye exams, glasses, contact fittings, evaluations and lenses, plus additional savings on non-prescription sunglasses and laser vision correction.¹³

A vision plan is a competitively-priced way to help protect the eyesight of everyone in your family. Even if you don’t wear glasses or contacts, regular visits to your eye doctor are important to your overall health. Routine eye exams can help detect other health problems.¹⁴

Eyeglasses and routine eye exams can be more expensive than you may think. With MetLife, through low to no copays, you can save up to 60% on vision wear and services.¹⁵ Lens options like polycarbonate (shatter-resistant) lenses for children up to age 18 and ultraviolet (UV) coating are covered in full. You also enjoy fixed copays for scratch-resistant and anti-reflective coatings, progressive lenses,¹⁶ and more.

You can go to any licensed eye care professional. Choose from the thousands of ophthalmologists, optometrists and opticians at private practices or popular retail locations like Costco® Optical, America’s Best, Cohen’s Fashion Optical, Eyeglass World, For Eyes Optical, Pearle Vision*, Sam’s Club, Shopko, Visionworks, Walmart and more.¹⁷

You can choose the eyewear that’s right for you and your budget. Your eye care professional can help you choose from classic styles to the latest designer frames. You can select from hundreds of options for you and your family. Some of the great brands to choose from include Anne Klein, bebe^®, Flexon^®, Lacoste, Nike, Nine West, Calvin Klein and more.

Just like health insurance for you and your family, pet insurance is coverage for dogs and cats that can help you be prepared for unexpected vet costs. With Pet Insurance offered by MetLife¹⁹, you may be able to cover up to 90% on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.

With pet ownership on the rise and more than 85 million families owning a pet, there is a greater need to ensure their health expenses are covered. More than half of pet parents reported that they’re not able to afford vet care for their pets, with the average annual cost for a routine vet visit for a dog being $212 and $160 for a cat.

Our process is simple and straightforward. Take your pet to the vet and pay the bill, then send your claim to us. You can file by using our online portal, e-mail, fax or mail, and we’ll process your claim within 10 days²². Then, you’ll receive reimbursement¹⁹

Pet Insurance offered by MetLife¹⁹, provides among the shortest wait periods²¹ for accident and illness coverage. Accident coverage begins midnight EST as of the day of enrollment and illness coverage begins 14 days from the day of enrollment.

Pre-existing conditions may not be covered– enroll your pets today and help make sure they’re protected.

You can visit any licensed vet or emergency clinic in the U.S., and you and your veterinarian of choice can determine the best treatment plan and medical course of action for your pet. Once you’ve received and paid your bill, send it to us and we will process your claim for reimbursement.

That depends on you and your pet. We offer flexible, customizable coverage so that you can choose the plan that works for you. Our options include:

• levels of coverage from $1,000 – unlimited²³
• $0 - $2,500 deductible options²⁴
• Reimbursement percentages from 65% - 100%²⁵

Each pet’s premium will be unique based on the age, breed, location and gender, as well as what coverage amount you select. Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $25²⁰.

Yes. Group discounts are available.²⁶

As part of your group benefits, you can choose payroll deduction, or you can set up an automatic payment from your bank with us.