NCD Essentials Dental Plan by MetLife

Get coverage for routine and basic dental care from day one, with added support for more advanced services over time.

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

Plan Highlights

• Cleanings: 100%
• White (Resin Composite) Fillings†: 65%–Year 1, 80%–Year 2, 90%–Year 3+
• Crowns‡: 10%–Year 1, 50%–Year 2, 60%–Year 3+
• Root Canals‡: 10%–Year 1, 50%–Year 2, 60%–Year 3+
• Simple Extractions†: 65%–Year 1, 80%–Year 2, 90%–Year 3+

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.

Frequently Asked Questions

• How does this plan compare to other dental plans?
• Do the benefits increase over time?
• What Preventive services are included?
• Can I use my current dentist?
• Are there waiting periods or limitations I should know about?
• What’s the best next step if I’m interested in this plan?