Name: NCD Complete by MetLife
Brand: NCD by MetLife

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Highest Plan Max

$88.00 /mo.

Dentist Search

NCD Complete by MetLife

Plan Type PPO

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Dentist Search

$88.00 /mo.

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Plan Highlights

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

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: Simple Extractions
1st year – 65% after deductible
2nd year – 80%
3rd year and after – 90%
Basic – 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, 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?

What is a participating dentist?

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

What services are covered under this Dental program?

Who can enroll in this plan?

National Care Dental
5473 Blair Road
Ste 100 PMB 70038
Dallas, TX 75231-4101

Disclaimers & 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 (800) 485-3855 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.

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