Real coverage.
Really big smiles.
NCD dental & vision insurance — underwritten by MetLife — gives you an industry-leading $10,000 annual max, no waiting periods, and coverage you can start using as soon as tomorrow.
- $10K
- annual max
- 0 day
- waiting period
- MetLife
- PDP network
Backed by names you know
Why NCD members love us
Everything dental insurance should be.
$10,000 annual maximum
Most dental plans cap you at $1,000–$1,500. Ours goes up to $10,000 — so major work is actually covered.
No waiting periods
Cleanings, fillings, crowns, root canals — all covered from day one. No 6- or 12-month waits.
MetLife PDP network
Access 500,000+ dentist locations nationwide through one of the largest dental networks in the country.
Dental + vision, together
Bundle exams, eyewear and contacts through VSP with the same simple monthly bill.
Guaranteed acceptance
No health questions. No underwriting. If you apply, you're in — pre-existing conditions welcome.
White-glove service
Real humans answering the phone. 4.9★ from 8,000+ members and BBB A+ rated.
How it works
From enrollment to covered in a day.
No underwriting. No pre-existing condition rules. Just straightforward dental & vision insurance that starts working right away.
Enroll in 3 minutes →- 01
Pick a plan
Choose the coverage level and optional vision add-on that fits your family.
- 02
Enroll in minutes
No health questions, no exams, no phone tag. Coverage can start as soon as tomorrow.
- 03
Visit any MetLife dentist
Show your ID card at 500,000+ in-network locations and pay the negotiated rate.
What's covered
Real coverage, from cleanings to crowns.
A snapshot of what NCD dental plans cover. Exact coinsurance and annual max depend on the plan tier you choose at enrollment.
| Service | Covered | Starts | Waiting |
|---|---|---|---|
| Cleanings & exams (2x/yr) | 100% | Day 1 | $0 |
| Digital x-rays | 100% | Day 1 | $0 |
| Fillings | 80% | Day 1 | No wait |
| Root canal | 80% | Day 1 | No wait |
| Crowns & bridges | 50% | Day 1 | No wait |
| Implants | 50% | Day 1 | Covered |
| Orthodontia (kids) | 50% | Day 1 | Available |
Simple pricing
Choose the coverage that fits.
Sample rates. Your exact premium depends on age, ZIP code, and plan tier at enrollment.
Essentials
great starter dental coverage
- ✓100% preventive care
- ✓$1,500 annual max
- ✓No waiting periods
- ✓MetLife PDP network
Premier
Most popularour most popular family plan
- ✓$5,000 annual max
- ✓Major work covered day 1
- ✓Implants & crowns included
- ✓Add vision for $12/mo
Platinum
industry-leading $10K max
- ✓$10,000 annual max
- ✓Orthodontia benefit
- ✓Vision & eyewear included
- ✓Priority white-glove support
Members, not policy numbers
Real coverage. Real smiles.
I needed a crown the week after enrolling and it was covered — no waiting period nonsense. NCD literally saved me over $900.
We were paying more for group dental at work with a $1,500 cap. NCD gave us a $10,000 max for less per month. No brainer.
I'm self-employed. Every other dental plan made me wait 12 months for major work. NCD covered my root canal on day one.
Questions
Good to know.
Is NCD real dental insurance?+
Yes. NCD plans are underwritten by MetLife — one of the largest and most established insurance carriers in the U.S. This is real insurance, not a discount card.
Are there any waiting periods?+
No. Cleanings, fillings, crowns, root canals, and even major work are covered from day one. Your coverage can start as soon as the day after you enroll.
What's the annual maximum?+
Depending on the plan you choose, your annual max can go up to $10,000 — six times higher than the industry average of $1,000–$1,500.
Can I keep my dentist?+
You can visit any dentist, but you'll save the most with the MetLife PDP network of 500,000+ dentist locations. Most dentists nationwide are in-network.
Does it include vision?+
Yes — you can bundle vision coverage through VSP for exams, frames, lenses, and contacts, all on one simple monthly bill.
How do I enroll?+
Click any Enroll button. You'll be taken to the secure NCD enrollment page where you can choose your plan and start coverage in minutes — no health questions asked.
Your dental & vision coverage, ready tomorrow.
Enroll today and get access to a MetLife-backed dental network with a $10,000 annual max — no waiting periods, no health questions.
Enroll on NCD.com →