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, 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.

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

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.

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.

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.

Coverage is offered to individuals who are 18 years of age and older, and their eligible dependents (spouse 18 years of age and older, and unmarried children from birth to under age 26). As long as you meet the plan’s general eligibility requirements and pay the applicable premium, your acceptance is automatic.

When you enrolled in NCD by MetLife, you automatically became a member of the National Wellness & Fitness Association (NWFA)! The NWFA monthly membership fee is included in your monthly billing and is mandatory.

With NWFA membership you can now enjoy top-tier discounts and up-to-date advice that will help you and your family stay physically strong, emotionally stimulated, and financially at peace. You can learn more about these benefits and services by visiting https://www.ncd.com/aboutNWFA.

METLIFE NWFA NOTICE: Metropolitan Life Insurance Company is unaffiliated with the National Wellness & Fitness Association. Metropolitan Life Insurance Company only provides benefits covered under its insurance policies and is not responsible for other benefits and/or discounts associated with membership in the NWFA.