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NCD Complete by MetLife
Plan Type DPPO
Coinsurance Plan pays: 100% Preventive; 65%-90% Basic; 10%-60% Major
Deductible $100 per lifetime, Basic & Major services only
Annual Maximum Benefit $10,000
Office Visit
Find Dentists 		N/A
Primary Benefits
Teeth Cleanings Plan Pays: 100% of allowable charge; 3 Cleanings per 12 months; Deductible waived.
Restorative Dentistry/Fillings Plan pays: Year 1 - 65% of allowable charge;Year 2 - 80% of allowable charge;Year 3 - 90% of allowable charge; Deductible applies
Oral Surgery Plan pays: Year 1 - 10% of allowable charge;Year 2 - 50% of allowable charge;Year 3 - 60% of allowable charge; Deductible applies
Extractions Plan pays: Year 1 - 65% of allowable charge;Year 2 - 80% of allowable charge;Year 3 - 90% of allowable charge; Deductible applies
X-Rays Plan Pays: 100% of allowable charge - bitewing xrays, no deductible; 65%-90% of allowable charge - full mouth/panoramic xrays, deductible applies
Crowns Plan pays: Year 1 - 10% of allowable charge;Year 2 - 50% of allowable charge;Year 3 - 60% of allowable charge; Deductible applies
Root Canals Plan pays: Year 1 - 10% of allowable charge;Year 2 - 50% of allowable charge;Year 3 - 60% of allowable charge; Deductible applies
Periodontics Plan pays: Year 1 - 10% of allowable charge;Year 2 - 50% of allowable charge;Year 3 - 60% of allowable charge; Deductible applies
Dentures Plan pays: Year 1 - 10% of allowable charge;Year 2 - 50% of allowable charge;Year 3 - 60% of allowable charge; Deductible applies
Topical Fluoride Plan pays: 100% of allowable charges for children under age 14 (1 per 12 months)
Sealant Plan pays: Year 1 - 65% of allowable charge;Year 2 - 80% of allowable charge;Year 3 - 90% of allowable charge; Deductible applies
Bridges Plan pays: Year 1 - 10% of allowable charge;Year 2 - 50% of allowable charge;Year 3 - 60% of allowable charge; Deductible applies
Endodontics Plan pays: Year 1 - 10% of allowable charge;Year 2 - 50% of allowable charge;Year 3 - 60% of allowable charge; Deductible applies
Additional Information
A.M. Best Rating A+Superior as of 02/08/2024
Electronic Signature for Application Available Yes
Details and documents about this plan
View Plan Brochure Exclusions and Limitations

Important notices and disclaimers

  • The information shown here is a summary of benefits for informational purposes only. Review the official plan documents (such as evidence of coverage, plan brochure, or insurance policy) for a detailed description of coverage benefits, limitations, and exclusions. Only the terms and conditions of coverage benefits listed in the policy are binding.
  • The benefits listed may be contingent on your use of physicians, hospitals, dentists and services within the specific insurance company's provider network.
  • The Copayment, Deductible, and Coinsurance amounts are your share of the costs for covered benefits. These amounts are subject to change.
  • The quotes or rates shown above are estimates only. Your premium is subject to change based on your medical history (pursuant to state law of residence), the underwriting practices of the insurance company, the optional benefits you selected, if any, and other relevant factors, such as changes in rates which take effect before your requested effective date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.

Carrier specific notices, disclaimers and fees

  • - Group dental insurance plans featuring the Preferred Dentist Program are provided by Metropolitan Life Insurance Company, New York, NY. Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations 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. Please call (800) 485-3855 to verify current state availability.
  • - Enrollment Application - The Dental Insurance Plan of Benefits is one of the many benefits being offered by the National Wellness and Fitness Association. In order to apply for the insurance coverage, you must be a member. By completing the application for coverage and the authorization for payment of the charges, the applicant acknowledges his/her membership in the Association and monthly membership fee.
  • - 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 discount associated with membership in the NWFA.
  • - MetLife does not pay commissions directly to eHealth. MetLife may compensate the association and the plan administrator for costs incurred in connection with providing oversight and administrative support for this sponsored plan, as well as other costs.