Phone Call us

NCD by MetLife
NCD Complete by MetLife

  • Underwritten by MetLife
  • Freedom to choose any dentist, but using participating dentist will give you in-network benefits
  • Coverage for you and qualified family members
  • No Waiting Periods. Coverage for preventive, basic and major services offered year 1
  • Increasing benefits over 3 years period for Basic and Major services
  • Guaranteed acceptance
  • Vanishing deductible after Year 1
Common procedures:
Cleaning:100%
White Filling:65-90%
Crown:10-60%
Root Canals:10-60%
Simple Extractions:10-60%
Plan Maximum:$10,000 per Calendar Year per person
$3000 per Calendar Year per person Implant Max within the Plan Max
Waiting Periods:None
Deductible:$100 per person for Basic and Major Services - Year 1. Vanishing Deductible after Year 1.
Details:
Fee Schedule: N/A  |  Dentist Search
Exams:
Routine oral examinations – 3 per calendar year
100%
Preventive – No waiting period
Cleanings:
Teeth Cleanings – 3 per calendar year
100%
Preventive – No waiting period
X-Rays:
Bitewing x-rays only – Adults – 1 time in 12 months; Child (under age 14) – one time in 12 months
100%
Preventive – No waiting period
Fillings:
Fillings – initial placement – unlimited
Replacement fillings – Replacement once every 24 months
1st year – 65% after deductible
2nd year – 80%
3rd year and after – 90%
Basic – No waiting period
Extractions:
Extractions (simple and surgical) - unlimited
1st year – 10% after deductible
2nd year – 50%
3rd year and after – 60%
Major – No waiting period
Crowns:
Crowns – No more than one per tooth in 10 calendar years
1st year – 10% after deductible
2nd year – 50%
3rd year and after – 60%
Major – No waiting period
Root Canals:
Root canal treatment – one per tooth per lifetime
1st year – 10% after deductible
2nd year – 50%
3rd year and after – 60%
Major – No waiting period
Dentures:
Dentures - one in 10 calendar years
1st year – 10% after deductible
2nd year – 50%
3rd year and after – 60%
Major – No waiting period
Deep Cleanings:
Periodontal Scaling & Root Planing - one per quadrant in any 24 month period
1st year – 10% after deductible
2nd year – 50%
3rd year and after – 60%
Major – No waiting period
Implants:
Implant Services ($3000 Calendar year Max within the $10,000 Plan Max) - one per tooth position in 10 calendar years
1st year – 10% after deductible
2nd year – 50%
3rd year and after – 60%
Major – No waiting period
Braces/Orthodontia:
Not Covered Service
Teeth Whitening:
Not Covered Service
Additional Network Information:

In-network refers to benefits provided under this program for covered dental services that are provided by a participating dentist. Out-of-network benefits refer to benefits provided under this program for covered dental services that are not provided by a participating dentist.

If a Covered Service is performed by an In-Network Dentist, We will base the benefit on the Covered Percentage of the Negotiated Fee Schedule. If an In-Network Dentist performs a Covered Service, You will be responsible for paying:

  • the Deductible; and
  • any other part of the Negotiated Fee for which We do not pay benefits.

If a Covered Service is performed by an Out-of-Network Dentist, We will base the benefit on the Covered Percentage of the Schedule Amount. Out-of-Network Dentists may charge You more than the Schedule Amount. If an Out-of-Network Dentist performs a Covered Service, You will be responsible for paying:

  • the Deductible;
  • any other part of the Schedule Amount for which We do not pay benefits; and
  • any amount in excess of the Schedule Amount charged by the Out-of-Network Dentist.

*The Negotiated Fee Schedule for a covered service is the amount that in-network dentists have agreed to accept as payment in full for the covered service. Percentages shown are based on the Negotiated Fee Schedule, even when a covered service is provided by an out-of-network dentist, except in AK, NV, MA and MT. In these states, out-of-network percentages shown are based on a percentile of the reasonable and customary (R&C) charge. The R&C charge is based on the lowest of: (1) the dentist’s actual charge for a covered service; (2) the dentist’s usual charge for the same or similar service; or (3) the amount charged by most dentists in the same geographic area for the same or similar service as determined by MetLife.

Exclusions and Limitations
Privacy Policy
Plan Brochure

FAQ:

Am I covered if I go to a non-participating dentist?

You can use any licensed dentist. However, if you visit an out-of-network dentist you may have higher out-of-pocket costs than if you use a dentist that is in-network. In most states, the TakeAlong Dental programs have maximum allowable charges that in-network providers have agreed to accept as payment in full for covered services*. We pay a percentage (% varies by type of procedure) of those agreed upon charges, and you are responsible for the remaining balance of those charges. In most states, out-of-network benefits are also based on a percentage of the maximum allowable charge. If you visit an out-of-network dentist, in addition to any applicable deductible, you would be responsible for the percentage of the maximum allowable charge that MetLife does not pay (the coinsurance amount) as well as for the amount of the out-of-network dentist’s fee that is in excess of the maximum allowable charge.

* Maximum allowable charges refer to the charges that in-network dentists have agreed to accept as payment in full for covered services, subject to any deductibles, copayments, coinsurance and benefit maximums. Maximum allowable charges are subject to change. In most states, out-of-network benefits are also based on a percentage of the maximum allowable charge.

How do I find a participating dentist?

You can find the names, addresses, specialties, languages spoken and telephone numbers of participating dentists in a given area by searching our online directory.

What is a participating dentist?

A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees* as payment in full for covered services. Negotiated fees typically range from 30% - 45% less than the average charges in a dentist’s community for similar services.

*Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, coinsurance and benefit maximums. Negotiated fees are subject to change.

What is a pre-existing condition versus work-in-progress? Is it covered?

A pre-existing condition is an oral health condition, which existed before your enrollment in a dental program. The plan does not include an exclusion for pre-existing conditions.

Work in progress is any oral health procedure that is started and not completed prior to your enrollment in a dental program. The plan does not cover any expenses prior to the date you are covered under the Policy.

What services are covered under this Dental program?

To find out more about covered services, see Full Schedule of Benefits.

NOTE: Services started under a different carrier’s policy do not carry over to these programs – check with your dental carrier to be sure all services associated with that policy are completed before enrolling in NCD by MetLife Dental Plan.

Who can enroll in this plan?

Any individual over the age of 18 may apply for a policy for themselves and their dependents.

* Not available in PR and VI.

National Care Dental - MetLife
4201 Spring Valley Road, Suite 1500
Dallas, TX 75244

Disclaimers and Disclosures:

NCD by MetLife:Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166. Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact [ ] for costs and complete details. Coverage may not be available in all states.

This website provides a very brief description of some of the important features of this plan. It is not the insurance contract, nor does it represent the insurance contract. A full description of benefits, exclusions and limitations is contained in the Schedule of Benefits and your policy.

Rates shown are based upon the information you provided, and are subject to change based on the dental and/or vision plan's underwriting practices and your selection of available optional benefits, if any. Final rates and effective dates are subject to underwriting and are always determined by the dental insurance and/or vision insurance company. To be considered for reimbursement, expenses must qualify as covered expenses.

This site was designed to provide you with a general description of the plans you requested. Keep in mind that it does not include all the benefits and limitations outlined in the policies -- it is the insurance contract, not the general descriptions on this website, which forms the contract between you and the insurance company.

DentalInsurance.com is paid by the Insurance Company we represent. We earn commissions for each policy we sell. The commission rates vary by Insurance Company and may increase based on sales volume. There may also be a bonus or incentive. For more information on a purchased plan or plan quoted to you, please reach out through our contact us page.

DentalInsurance.com Inc, its suppliers or any third parties named in this site are not liable for any damages that result from using, or inability to use, the website and material listed within it, whether based on warranty, contract, tort or any other legal theory and whether or not DentalInsurance.com Inc is advised of the possibility of such damages. This includes, but is not limited to, incidental and consequential damages, lost profits or damages resulting from lost data or business interruptions.

The use of the website and its material, some of it supplied by third parties, is at your own risk. Although we strive to provide the most current and complete information on this website, we make no representations about the accuracy, completeness or timeliness of the material found here. Please note that updates are made periodically to the website and we reserve the right to make them at any time.