NCD is dedicated to improving lives by driving better health, providing exceptional experience, and Spreading the Smile.
NCD has a wide selection of plans to fit your needs.
Industry leading benefits that give you peace of mind.
Choose from an extensive network of dental professionals.
In this article, you’ll learn:
NCD is owned and operated by the Texas limited liability company National Care Dental Health Plan LLC. NCD, not an insurer itself, partners with brand-name licensed insurance companies who perform the underwriting, insurance, claims processing and management, and other insurance activities integral to the dental plans marketed by NCD. The insurance products marketed by NCD are underwritten by independent insurance companies that are not affiliated with NCD and those insurance companies (or others on their behalf) manage insurance claims under the policies they issue. NCD utilizes its sister company, NCD Agency LLC, a Texas limited liability company, for enrollment, billing, and customer service for the products marketed by NCD. NCD Agency, LLC is a licensed insurance agency.
NCD has made a name for itself in the dental market with a couple plans with extremely high maximum benefits. While many dental plans have annual spending caps below two thousand dollars, NCD has one product with a $5,000 maximum benefit and another with a $10,000 maximum benefit.
NCD’s dental market strategy involves partnerships with MetLife, Nationwide, and Careington. These partnerships allow NCD to leverage the resources of top dental insurers and collaborate on new product configurations for consumers.
NCD also has additional partnerships with the NADP (National Association of Dental Plans) and PIMA (Professional Insurance Marketing Association).
DentalInsurance.com currently offers four different NCD dental plans, two in partnership with Nationwide and two with MetLife. The NCD Complete by MetLife and the NCD Nationwide 5000 offer two of the highest maximum limits available among PPO dental plans.
| NCD Nationwide 3000 | NCD Nationwide 5000 | NCD Complete by MetLife | |
| Network Type | Preferred Provider Organization (PPO) | Preferred Provider Organization (PPO) | Preferred Provider Organization (PPO) |
| Annual Cleaning | $0 | $0 | $0 |
| Traditional Fillings (one surface) | 80% of allowed cost | 65% of allowed cost in year 1 of enrollment, 80% in year 2, and 90% in year 3 | |
| White Fillings (one surface) | 80% of allowed cost | 65% of allowed cost in year 1 of enrollment, 80% in year 2, and 90% in year 3 | |
| Tooth Extraction | 80% of allowed cost | 10% of allowed cost in year 1 of enrollment, 50% in year 2, and 60% in year 3 | |
| Root Canal | 50% of allowed cost (12-month waiting period) | 10% of allowed cost in year 1 of enrollment, 50% in year 2, and 60% in year 3 | |
| Crown | 50% of allowed cost (12-month waiting period) | 10% of allowed cost in year 1 of enrollment, 50% in year 2, and 60% in year 3 | |
| Annual deductible (individual enrollee) | $50 | $100 | |
| Maximum Benefit (single enrollee) | $3,000 | $5,000 | $10,000 |
Large Network of Dentists
Plan Type: PPO
Plan Maximum: $3,000
$10,000 per Calendar Year per person
Plan Type: PPO
Plan Maximum: $10,000
"It was fast and clear. I had dental insurance in about in about 15 minutes, and I was able to keep my current dentist."
"Representative was so pleasant and helpful. Easy process."
