National Care Dental Contracting & Appointment

NCD is dedicated to improving lives by driving better health, providing exceptional experiences, and Spreading the Smile. NCD currently focuses on ancillary benefits such as dental and vision insurance to augment the health insurance our clients have. NCD believes that by pairing great products with world-class, white glove service, clients will be able to access care, improve their health, and do it all with a pleasant experience.

NCD partners with great brands, such as Nationwide, MetLife, VSP, and Careington to bring you comprehensive ancillary benefits. We ensure access to providers is easy and plentiful and your experience with your insurance company is seamless. You shouldn’t have to wait long to talk with your insurance company to get your questions answered, which is why NCD’s white glove service model aims to answer your calls in under 30 seconds and ensure your need is handled right the first time.

Emerging from a proud legacy of exceptional insurance services, NCD was formed to focus solely on helping members Spread The Smile by providing an incredible insurance experience. NCD draws its knowledge and experience in insurance from a variety of industry experts with years of combined experience and knowledge. NCD is poised to drive better health of its members by providing an exceptional experience and offering amazing coverage across the country.

National Care Dental Products and State Availability

These are National Care Dental's current products and state availability for 2023, as well as information on contracting and appointment.

Dental

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State Availability

Last reivew date: 06/12/2023

AL AR AZ CA CO CT DC DE FL GA IA ID IL IN KS KY LA MA MD MI MN MO MS NC ND NE NJ NM NV NY OH OK OR PA RI SC TN TX UT VA WI WV WY

Plan Information

National Care Dental offers plans underwritten by Nationwide and by MetLife, with each offering three plans to choose from.  See below for more information:

National Care Dental by Nationwide

NCD dental plans underwritten by Nationwide include $1,500, $3,000, or $5,000 depending on which plan you choose. Each plan includes a $50 annual deductible for basic and major services (per person), a $150 Maximum Deductible (per family), and no deductible for preventative services.

Additional benefits of each plan:

Preventive Care (100% Coverage) No Waiting Period

• Routine Exam (2 per 12 months)
• Bitewing X-rays (1 per 12 months)
• Cleaning (2 in 12 months)
• Fluoride for children under age 16 (1 in 12 months)

Basic Care (80% Coverage) No Waiting Period

• Full Mouth/Panoramic X-rays (1 in 3 years)
• Sealants (ages 6 through 16)
• Space Maintainers (child under 16)
• Restorative Amalgams (fillings)
• Simple Extractions

Major Care (50% Coverage)** 12-Month Waiting Period***

• Onlays
• Oral Surgery
• Implants
• Crowns (1 per tooth, per 7 years)
• Crown Repair
• Endodontics (nonsurgical)
• Periodontics (nonsurgical)
• Periodontics (surgical)
• Denture Repair
• Dentures (1 appliance per 5 years)
• Bridge (1 per 7 years)
• Complex Extractions
• Anesthesia

Plans not available in every state.

 

National Care Dental by MetLife

NCD dental plans underwritten by Metlife include $750 (Value), $2,000 (Essential), or $10,000 (Complete) depending on which plan you choose. The Value and Essential plans have a $50 annual deductible (per person) and the Complete plan offers a Lifetime Deductible of $100.

Additional benefits of each plan:

Preventive Care (100% Coverage) No Waiting Period

• Routine Exam (2 per 12 months)
• Bitewing X-rays (1 per 12 months)
• Cleaning (2 in 12 months)
• Fluoride for children under age 16 (1 in 12 months)

Basic Care offers No waiting period and coverage amounts of 80% or 90% for Year 3, depending on which plan is chosen.

• Full Mouth/Panoramic X-rays (1 in 5 years)
• Sealants (ages 6 through 16)
• Space Maintainers (child under 16)
• Fillings (restorative)
• Periodontal Maintenance (deep cleaning maintenance 2 per 12 months)

Major Care offers No waiting period on Essential and Complete plans with coverages of 25% for Year 3 on the Value plan and 60% on Year 3 for the Essential and Complete plans.

• Oral Surgery
• Implants (Complete Plan only)
• Crowns (1 per tooth, per 7 years)
• Crown Repair
• Endodontics
• Periodontics
• Denture Repair (1 per 12 months)
• Dentures (1 appliance per 10 years)
• Bridge (1 per 10 years)
• Anesthesia

Plans not available in every state.

 

 

 

Vision

View this information as a web page.

State Availability

Last reivew date: 06/12/2023

AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Description & Plan Details: VSP® Individual Vision Plans provides members with comprehensive vision coverage and access to personalized care at low out-of-pocket costs.

• Exam and glasses or contact lenses in lieu of glasses.
• Guaranteed acceptance (no age restriction).
• No waiting period (on active date, access available to full range of vision benefits).
• Additional discounts (20% savings on additional glasses and sunglasses, including enhancements, from any VSP network doctor within 12 month of your last WellVision Exam and 15% savings on a contact lens exam).

Additional Benefits:

WellVision Exam – participating providers benefits:

• Covered after $20 exam copay.
• 15% savings on a contact lens exam.
• Frequency – every 12 months.

Prescription Glasses – participating providers’ benefits (covered after $25 materials copay):

Frames

• $200 allowance for a wide selection of frames OR $220 allowance on a featured frame brand.
• 20% savings on the amount over your allowance.
• Frequency – Every 24 months.

 Lenses

• Single vision, lined bifocal, and lined trifocal lenses.
• Impact-resistant lenses for dependent children.
• Frequency – Every 12 months.

Lens Enhancements

Progressive lenses (standard, premium, or custom) • Anti-glare • Light-reactive lenses • Impact-resistant lenses • Scratch-resistant coating • Tinted lenses • UV protection • Average 30% savings on other lens enhancements • Frequency – Every 12 months.

Contacts (instead of glasses) – participating providers benefits:

$150 allowance for contacts and contact lens exam (fitting and evaluation).

• 15% savings on a contact lens exam.
• Frequency – Every 12 months.

Plan benefits and availability vary by state.