NCD Value Dental Plan by MetLife
What This Plan Offers
- ✓Underwritten by MetLife
- ✓Immediate coverage for Preventive services
- ✓Coverage for Basic and Major services increases over time
- ✓An affordable way to stay on top of your dental health
Starts at:
$35.00/mo
Product availability varies by state.
Plan Highlights
Get started with coverage for routine dental care, with additional benefits becoming available over time to support your dental needs.
Plan Limits & Details
Plan Maximum
$750 calendar year maximum, per insured person.
Waiting Periods
Preventive, Basic — none; Major — 12 months.
Deductible
$50 per person calendar year deductible for Basic and Major services.
Starting at $35.00/mo
Good fit if:
You want dental coverage that starts right away, keeps routine care affordable, and provides a simple, budget-friendly way to stay on top of your dental health.
Plan Details
Starts at:
$35.00/moProduct availability varies by state
| Service Type | Services | Coverage | Waiting Period |
|---|---|---|---|
| Preventive Care | |||
| Preventive Care | Exams (1 per 6 months) | 100% | None |
| Cleanings (1 per 6 months) | 100% | None | |
| Bitewing X-rays (1 per 12 months) | 100% | None | |
| Basic Services | |||
| Basic Services | Fillings (amalgam & composite) | 50%–Year 1 65%–Year 2 80%–Year 3+ | None |
| Simple extractions | 50%–Year 1 65%–Year 2 80%–Year 3+ | None | |
| Major Services | |||
| Major Services | Crowns | 10%–Year 2 25%–Year 3+ | 12 months |
| Root Canals | 10%–Year 2 25%–Year 3+ | 12 months | |
| Not Covered | |||
| Not Covered | Implants, orthodontia, whitening | N/A | N/A |
In NY/CT: Basic services covered at 50%-Year 1, 75%-Year 2, 90%-Year 3+
In NY/CT: Major services are not covered under the NCD Value by MetLife plan.
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.