PAY & CLAIM
Pay and claim
Ifyourdoctordoesnotaccept
Guarantee of Payment
We offer complete flexibility in finding a doctor you love. If there is not a direct pay provider available in your location (or you already have a doctor who is not part of our direct pay network), you can request a Guarantee of Payment to avoid paying out-of-pocket. A Guarantee of Payment (GOP) is a one-time payment to any willing, licensed provider worldwide. MetLife will provide the GOP to you and your provider directly.
Request a GOP
Request a GOP prior to your doctor’s appointment and present it to front desk staff when you arrive – they should bill MetLife instead of you for your visit. (Please note, not all providers may be willing to accept a GOP and you may have to pay out-of-pocket for your service and submit a claim for reimbursement if the GOP is not accepted.)
Email or call Customer Service using the contact information located on your ID card.
It’s best to do this 3–5 days prior to your doctor appointment. Some providers will offer to do this for you when you make your appointment.
Provide the following information
- Patient’s name, date of birth, certificate number, and policy number
- Hospital name, country, city, contact person, telephone, and email
- Date of service, primary diagnosis or complaint, and type of medical procedure
MetLife will provide the GOP to you and your provider directly.
For routine cases, GOPs are issued within 72 hours.
Emergencies
If you need a GOP in an emergency situation, please call Customer Service for quicker response times.
Contact Us
Learn more
Learn more about GOPs and get a list of step-by-step instructions for requesting one.
Request a GOP webinar
Watch our webinar to learn more about GOPs.
GOP tips
Check to see if a GOP is needed
Each provider has their own procedures. Providers who have a direct pay arrangement with MetLife may request a GOP on your behalf. However, some providers may ask you to contact MetLife to request a GOP for your services. Check with your doctor when you make your appointment to see if they will help request a GOP on your behalf.
Request in advance
To receive full advantage of direct pay, it is important that a GOP is requested prior to the service date. Please try to request three to five days ahead of time. A good tip is to request your GOP from us at the same time you make your appointment.
Bring your GOP with you
If you request a GOP, it is recommended that you bring your GOP along with your ID card with you on the day of service.