NCD Dental, Vision and Accident Plans You Can Buy Online
One enrollment page covers all of them. Enter your ZIP code and date of birth, see which plans are sold where you live and what they cost, and enroll if you like what you see. You never have to talk to anyone, and the price is the same if you would rather we did it with you.
NCD makes these plans available as a membership benefit of the National Wellness and Fitness Association (NWFA). You join the association when you enroll, and its fee is included in what you pay.
Five designs, and they are not one plan at five prices
What differs is what each pays for major work and implants. This is a summary. The plan's own page has the full schedule, and the dental plan finder filters them on your needs.
| Plan | Most it pays a year | Deductible | Major work | Implants |
|---|---|---|---|---|
| NCD Value | $750 | $50 a year | 0% in year 1, then 10% and 25% | Not answered by the summary |
| NCD Bright 1000 or 1500 | $1,000 or $1,500 | $100 a year | 10% in year 1, 20% from year 2 | Excluded |
| NCD Essentials | $2,000 | $50 a year | 10%, 50%, then 60% | Not answered by the summary |
| NCD Elite 1500, 3000 or 5000 | $1,500, $3,000 or $5,000 | $50 a person, $150 a family | 10% in year 1, 50% after | From year 3 |
| NCD Complete | $10,000 | $100, once for life | 10%, 50%, then 60% | Up to $3,000 a year |
Dental by MetLife
NCD Value Dental by MetLife
NCD's smallest dental plan, underwritten by MetLife. It pays preventive work at 100% from the start, with a $750 annual maximum and a $50 yearly deductible. It pays nothing for major work in year 1, and that is the thing to check.
NCD Bright Dental by MetLife
A dental plan underwritten by MetLife, with a $1,000 or $1,500 annual maximum and nothing to wait for. It starts low and pays more as you keep it, and it excludes implants outright.
NCD Essentials Dental by MetLife
A dental plan underwritten by MetLife with a $2,000 annual maximum, a $50 yearly deductible and three cleanings a year. No waiting period is printed, and what it pays rises in the first three years.
NCD Elite Dental by MetLife
A dental plan underwritten by MetLife with an annual maximum of $1,500, $3,000 or $5,000. Basic work pays 80% from the start. Major work pays 10% in year 1 and 50% after, and implants are covered from year 3.
NCD Complete Dental by MetLife
NCD's largest dental plan, underwritten by MetLife: a $10,000 annual maximum, implants up to $3,000 a year inside it, and a $100 deductible you pay once for life. No waiting period is printed.
Vision and accident
VSP Preferred Vision by NCD
A vision plan you can buy on its own, without dental. NCD is the brand, VSP Vision Care underwrites it, and it is offered to members of the National Wellness and Fitness Association. It is not sold in Washington.
NCD AccidentPrime
Reimburses what an accident actually cost, up to $5,000, $7,500, $10,000 or $15,000, with a $0 deductible. NCD is the brand, Zurich American Insurance Company is the insurer, and cover comes through NWFA membership. It ends around Medicare age.
Not sure which? Ask for a call back
Tell us how to reach you and which state you are in. A licensed agent calls back, usually the same business day, and will tell you plainly if you do not need any of these.