Dental & vision

Understand the coverage before you choose the plan.

Compare NCD dental plans and VSP vision benefits, check your provider, and continue to current pricing and enrollment online.

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Eight NCD dental plans

Three official plan families: Bright, Core (Value, Essentials, Complete), and Elite. The order on this page is not a verified cheapest-to-most-expensive ranking. All eight use MetLife PDP Plus PPO in-network fee arrangements.

Percentages below are what the plan pays for eligible services. First-year levels are shown first because later years build on them.

State variation notice

The summaries on this page are not a complete state-specific eligibility database. Benefits, waiting periods and availability can differ by state, and anything not verified here needs confirmation in NCD's enrollment site.

Your state

Prices and state availability are shown by NCD. Check current pricing.

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This only changes which limits are emphasized. It does not diagnose, rank prices or suggest a treatment will be paid, and your selection is not sent anywhere.

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Bright2 plans · $1,000– $1,500 annual maximum

Bright1,000 per personBrochure (PDF, new tab)

NCD Bright 1000

1,000 annual maximum, per person

Plan pays · Preventive: 90% Year 1 · 100% Year 2
Plan pays · Basic: 50% Year 1 · 60% Year 2 · 70% Year 3
Plan pays · Major: 10% Year 1 · 20% Year 2
Deductible: $100 per calendar year, Types B/C

First-year preventive care is reimbursed at 90%, then 100% in Year 2.

Worth knowing: Composite fillings on molars are excluded, and implantology (including repairs) is excluded. The summary does not list Year 3 preventive or major percentages.

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On NCD's site, select this plan if it is available for your location.

Bright1,500 per personBrochure (PDF, new tab)

NCD Bright 1500

1,500 annual maximum, per person

Plan pays · Preventive: 90% Year 1 · 100% Year 2
Plan pays · Basic: 50% Year 1 · 60% Year 2 · 70% Year 3
Plan pays · Major: 10% Year 1 · 20% Year 2
Deductible: $100 per calendar year, Types B/C

Same plan-paid percentages as Bright 1000, with a $1,500 annual maximum.

Worth knowing: Composite fillings on molars are excluded, and implantology (including repairs) is excluded. The summary does not list Year 3 preventive or major percentages.

Check Current Price & Enroll

On NCD's site, select this plan if it is available for your location.

Core: Value, Essentials, Complete3 plans · $750– $10,000 annual maximum

Core750 per personBrochure (PDF, new tab)

NCD Value

750 annual maximum, per person

Plan pays · Preventive: 100%
Plan pays · Basic: 50% Year 1 · 65% Year 2 · 80% Year 3
Plan pays · Major: 0% Year 1 · 10% Year 2 · 25% Year 3
Deductible: $50 per calendar year, Types B/C

Preventive services are paid at 100% from the first benefit year.

Worth knowing: There is no Year 1 major reimbursement; major benefits begin in Year 2. Implant services are not listed as a benefit in the supplied summary.

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On NCD's site, select this plan if it is available for your location.

Core2,000 per personBrochure (PDF, new tab)

NCD Essentials

2,000 annual maximum, per person

Plan pays · Preventive: 100%
Plan pays · Basic: 65% Year 1 · 80% Year 2 · 90% Year 3
Plan pays · Major: 10% Year 1 · 50% Year 2 · 60% Year 3
Deductible: $50 per calendar year, Types B/C

Three routine cleanings a year and a $2,000 annual maximum.

Worth knowing: Implant services are not listed as a benefit in the supplied Essentials summary.

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On NCD's site, select this plan if it is available for your location.

Core10,000 per personBrochure (PDF, new tab)

NCD Complete

10,000 annual maximum, per person

Plan pays · Preventive: 100%
Plan pays · Basic: 65% Year 1 · 80% Year 2 · 90% Year 3
Plan pays · Major: 10% Year 1 · 50% Year 2 · 60% Year 3
Deductible: $100 lifetime individual deductible

A $10,000 annual maximum and a lifetime individual deductible.

Worth knowing: Year 1 major reimbursement is still 10% even though Type C benefits start at the benefit effective date. Exclusions and state provisions still apply.

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On NCD's site, select this plan if it is available for your location.

Elite3 plans · $1,500– $5,000 annual maximum

Elite1,500 per personBrochure (PDF, new tab)

NCD Elite 1500

1,500 annual maximum, per person

Plan pays · Preventive: 100%
Plan pays · Basic: 80%
Plan pays · Major: 10% Year 1 · 50% Year 2+
Deductible: $50 per calendar year, Types B/C

Basic services paid at 80% with a flat 80% level rather than a staged build-up.

Worth knowing: Implant services become available in Year 3. The supplied documents state a 12-month Type C waiting period in NY/CT.

Check Current Price & Enroll

On NCD's site, select this plan if it is available for your location.

Elite3,000 per personBrochure (PDF, new tab)

NCD Elite 3000

3,000 annual maximum, per person

Plan pays · Preventive: 100%
Plan pays · Basic: 80%
Plan pays · Major: 10% Year 1 · 50% Year 2+
Deductible: $50 per calendar year, Types B/C

The Elite benefit structure with a $3,000 annual maximum.

Worth knowing: Implant services become available in Year 3. The supplied documents state a 12-month Type C waiting period in NY/CT.

Check Current Price & Enroll

On NCD's site, select this plan if it is available for your location.

Elite5,000 per personBrochure (PDF, new tab)

NCD Elite 5000

5,000 annual maximum, per person

Plan pays · Preventive: 100%
Plan pays · Basic: 80%
Plan pays · Major: 10% Year 1 · 50% Year 2+
Deductible: $50 per calendar year, Types B/C

The highest annual maximum in the Elite family.

Worth knowing: Implant services become available in Year 3. The supplied documents state a 12-month Type C waiting period in NY/CT.

Check Current Price & Enroll

On NCD's site, select this plan if it is available for your location.

Check a service

Look up how one of these brochures lists a service. This is the listed category, not a determination that a specific treatment is covered.

Service

Plan

Routine exams and cleanings on NCD Bright 1000

Listed as: Preventive

Preventive for all plans in this set.

Source: NCD Bright 1000 brochure summary. Listed category, not a determination of coverage for your treatment. Frequency, necessity, exclusions, deductible, any remaining annual benefit and state-specific terms all matter.

Check your dentist

Verify that your dentist participates in MetLife PDP Plus before you enroll. Provider participation can change, and this lookup is not an enrollment destination.

MetLife find-a-dentist

https://providers.online.metlife.com/findDentist?planType=DPPO&searchType=findDentistRetail

If the directory does not load in this preview, it usually opens normally in a browser tab. That is a preview limitation, not a broken link.

Four terms that decide what a plan actually pays

Annual benefit maximum: The most the insurer will pay for covered benefits in a benefit year, per person on every plan here. It is not a cash account, and it is not a cap on what a patient can be billed.
Plan-paid percentage: The share of the eligible amount the plan pays after the deductible. Labels on this page always read “Plan pays”, never “You pay”.
Deductible: The amount a patient covers before the plan starts paying for the services the deductible applies to. Types B and C usually carry it; preventive care often does not.
Network: These plans use the MetLife PDP Plus PPO in-network fee arrangements. Out-of-network benefits use a Maximum Allowable Charge basis, so equal printed percentages do not mean equal out-of-pocket cost.

What these summaries do not mean

An annual maximum is a limit on insurer payment, not a cash account and not a guarantee that amount will be paid. It is also not a patient out-of-pocket maximum.

“No waiting period” is not 100% reimbursement. It also does not mean coverage is effective before the actual effective date on the policy.

Calendar-year and benefit-year are different. A calendar-year maximum and deductible reset on a calendar schedule; staged benefit-year percentages do not automatically increase every January 1.

Orthodontia is not included in these supplied summaries. Braces and cosmetic whitening are not advertised here as covered.

Worked illustration

If an eligible amount after the deductible is $1,000 and the applicable plan-paid percentage is 10%, the illustrated plan payment is $100 and the patient share is $900, before any other limits or noncovered charges.

An illustration of arithmetic, not a quote or a claim estimate.

Missing teeth can matter. Existing missing teeth can implicate denture and implant-supported-prosthetic exclusions, so replacing an already-missing tooth is not something these summaries promise to cover.

Every plan's official brochure is linked on its card. The brochures supplement the on-page explanation, but they are not the only way to understand a plan, and this page is not a substitute for a state-specific certificate.

Ready to see current prices?

This page does not publish premiums. NCD supplies current rates, state availability and the enrollment application. Nothing here is preselected on their site.

Check Current Dental Pricing & Enroll

Continues on NCD's site. That site confirms pricing, availability and any state-specific terms. Summaries here come from brochures dated May 6–8, 2026.