NCD Essentials Dental Plan by MetLife
What This Plan Offers
- ✓Underwritten by MetLife
- ✓Immediate coverage for Preventive, Basic and Major services
- ✓Major services covered at increasing benefit levels over time
- ✓Designed to balance routine care with more advanced needs
Starts at:
$59.00/mo
Product availability and exact pricing varies by state.
Plan Highlights
Get coverage for routine and basic dental care from day one, with added support for more advanced services over time.
Plan Limits & Details
Plan Maximum
$2,000 calendar year maximum, per insured person.
Waiting Periods
Preventive, Basic — none; Major — none.
Deductible
$50 per person calendar year deductible for Basic and Major services.
Starting at $59.00/mo
Product availability and prices vary by state.
Good fit if:
You want dental coverage that starts right away, helps keep routine care affordable, and provides a balanced level of support for both basic and more involved dental services.
Plan Details
Starts at:
$59.00/moProduct availability and exact pricing varies by state
| Service Type | Services | Coverage | Waiting Period |
|---|---|---|---|
| Preventive Care | |||
| Preventive Care | Exams (3 per year) | 100% | None |
| Cleanings (3 per year) | 100% | None | |
| Bitewing X-rays (1 per 12 months) | 100% | None | |
| Basic Services | |||
| Basic Services | Fillings (amalgam & composite) | 65%–Year 1 80%–Year 2 90%–Year 3+ | None |
| Simple extractions | 65%–Year 1 80%–Year 2 90%–Year 3+ | None | |
| Major Services | |||
| Major Services | Crowns | 10%–Year 1 50%–Year 2 60%–Year 3+ | None |
| Root Canals | 10%–Year 1 50%–Year 2 60%–Year 3+ | None | |
| Not Covered | |||
| Not Covered | Implants, orthodontia, whitening | N/A | N/A |
In NY/CT: Basic services covered at 80%-Year 1, 80%-Year 2, 90%-Year 3+
In NY/CT: 12-month waiting period for Major Services.
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 certain services, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. Negotiated fees do not apply to non-covered services in states that prohibit limitations for services not covered under a plan. Participating providers in these states may charge their non-negotiated fees for non-covered services. 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 services or (3) the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.
This page provides a brief summary of benefits. For a complete listing of benefits, exclusions, and limitations, please refer to the certificate of coverage. In the event of discrepancies contained on this page, the benefits, terms, and conditions contained in the certificate documents shall govern.
Frequently Asked Questions
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Get dental coverage with higher limits, immediate benefits, and the flexibility to choose your dentist.