Agent Frequently Asked Questions

It depends on what you and your clients are looking for!

Each of our dental plans offer different benefits and options. For advice on plan specifics, and support on how best to inform your clients, reach out to your Account Executive.

Don't know your Account Executive? Agent Support to the rescue! Give us a message, and we'll get you connected.

• Email us at agentsupport@ncd.com
• Call us at (844) 284-4944
• Text us at (469) 425-8419
• Click Here to Start a Live Chat with Agent Support

Association Plans provide individuals access to the benefits typically available to larger organizations. By coming together and leveraging their collective bargaining power, association members gain access to more affordable, comprehensive coverage.

Associations provide members additional, exclusive benefits and resources, including access to their dental and vision plans. Association benefits include health, wellness, personal, and business benefits.

NCD by Met Life

All NCD by MetLife plans are paired with a membership to the National Fitness and Wellness Association (NWFA). The NWFA monthly membership fee varies depending on the dental plan selected, and is included in the members' monthly billing.

The NWFA provides non-insurance benefits that help members and their families and pets stay strong, healthy, and active. Click here to learn more about the NWFA.

VSP Vision

All VSP Preferred Vision plans are paired with a membership to the NWFA as well.

NCD by Nationwide

All NCD by Nationwid plans are paired with a membership to the National Small Business Association (NSBA). The NSBA monthly membership fee is $3.00 and is included in members' monthly billing.

The NSBA provides non-insurance benefits like discounts, rewards, and perks on thousands of brands in a variety of categories. Click here to learn more about the NSBA.

Our NCD by MetLife dental plans give you access to dentists through the MetLife Preferred Dentist Program (PDP). Dentists participating in the PDP have agreed to limit their charge for a dental service to the Maximum Allowed Charge (MAC) for such service.

That means that if a certain dental procedure's MAC is set at $400, your in-network dentist has agreed to only charge that amount. If your plan's coinsurance is set to cover 80% of that dental procedure, then the plan will pay 80% of $400, which is $320.

If you choose a dentist who is not in the MetLife PDP network, we'll still pay benefits for covered services. However, the percentage your plan covers is based on the MAC amount, not the total your dentist charges.

If your out-of-network dentist charges you $800 for the same dental procedure as above, but the MAC for your plan is still at $400 and your coinsurance is 80%, your plan will pay 80% of the MAC, not the total charge.

This means your out-of-network costs could be higher, because anything above and beyond the MAC is not covered by your plan, and would be your responsibility. In this example, your plan would pay that 80% of the $400 MAC, which is $320, and the remaining $480 would be your responsibility.

The reason for this difference is that out-of-network dentists have not entered into an agreement with the PDP to limit their charges. You are always free to receive services from any dentist you choose, and you don't need authorization from us to use the dentist of your choice, but you can see how choosing an in-network dentist would likely save you money.

Yes! Visit this page for a detailed breakdown of all the benefits and discounts available at each level of membership to the National Wellness and Fitness Association.

No. The membership to the association is what allows members to gain access to the rewards and benefits, including the dental or vision plan itself.

Currently, none of our dental plans cover orthodontics. However, our NCD by MetLife plans do include a discount to Smile Direct Club, which uses clear aligners to adjust tooth alignment issues.

Many of our dental plans cover implants, but there are some specific guidelines about when and how those implants can be covered. For more clarity, reach out to your Account Executive, or to Agent Support.

Yes! The MetLife dental plans have a missing tooth clause. To get the specific details about what that means for your clients, reach out to your Account Executive, or to Agent Support.

We'd love to hear it! Please feel free to reach out to your Account Executive directly with your questions.

If you don't know your Account Executive, please send a message to Agent Support, and we can help you out.

Email us at agentsupport@ncd.com
Call us at (844) 284-4944
Text us at (469) 425-8419

Click Here to start a live chat with Agent Support