I do not recommend using MetLife for medical insurance. Having had experiences with different insurance providers, I find that MetLife is still using an outdated system to handle insurance records. In particular, they are still using the insured person's SSN as ID in a time and age where identity theft is rampant. For every physician you visit, you need to enter your DOB and ID, which ensures that your SSN and DOB appear together on the paper and computer records at every physician's office you have ever visited, unnecessarily increasing the risks of identity theft for the insured parties. After talking to their customer service, I find that they have no plan to update their antiquated system. Maybe, for our own protection, it is just better not to use MetLife.