Three dental plans on MetLife's PDP Plus network with the same benefits and different yearly maximums: $1,500, $3,000, or $5,000 per person. Cleanings pay 100% and fillings 80% from your first day. Major work pays 50% from year 2, and implants are covered from year 3.
Based on NCD's May 2026 product overviews · Updated October 2026
NCD plans are sold in most states, but not all, and prices vary by state. NCD doesn't publish a state list, so call NCD Member Care at 800-485-3855 or ask me, and I'll confirm what's available where you live. In New York and Connecticut, major work has a 12-month waiting period.
A good fit if you want cleanings and fillings well covered from day one, at the lowest Elite cost.
Good to know: a crown or two can use up most of a $1,500 maximum in a single year.
A good fit if you expect a crown, bridge, or root canal and want room under the maximum.
Good to know: major work pays only 10% in your first year, so big jobs are best planned for year 2 or later.
A good fit if you expect a lot of dental work, or an implant, over the next few years.
Good to know: implants are covered from year 3 and pay 50%, so a $4,000 implant pays $2,000.
The first three examples are the same on every Elite plan; the implant pays differently on each. They use example in-network fees; actual costs vary by dentist and area. In network, the dentist accepts MetLife's negotiated fee as payment in full.
An exam, a cleaning, and bitewing X-rays.
Your first filling of the year. White fillings on back teeth count too.
Your deductible was already met this year.
In year 1, the plan would pay just 10%.
Implants pay 50%, up to $750 a year on this plan. Deductible already met.
Implants pay 50%, up to $1,500 a year on this plan. Deductible already met.
Implants pay 50%, up to $2,500 a year on this plan. Deductible already met.
Not available for a tooth that was already missing before your coverage started.
Rotate your phone for a better view of this table.
| Benefit | NCD Elite 1500 | NCD Elite 3000 | NCD Elite 5000 |
|---|---|---|---|
| Yearly maximum | $1,500 | $3,000 | $5,000 |
Straight answers about how these plans work. Tap a question to open it.
Not for most care. Preventive, basic, and major work are payable from your first day, with two exceptions: implants are covered from year 3, and in New York and Connecticut, major work has a 12-month waiting period.
Instead of a waiting period, major work like crowns, root canals, bridges, and dentures pays 10% in your first year and 50% from year 2 on. Preventive and basic care don't change: 100% and 80% from day one. If you know you'll need big work, the timing matters, and I can help you plan it.
From year 3, implants are covered as major work at 50%, up to a yearly implant limit: $750 on Elite 1500, $1,500 on Elite 3000, and $2,500 on Elite 5000. That amount counts toward your yearly maximum. Implants are limited to 1 per tooth position every 5 years, and can't replace a tooth that was already missing before your coverage started, unless it was congenitally missing.
It's $50 per person each calendar year, and no more than $150 for a family. It applies only to basic and major work. Cleanings, checkups, and bitewing X-rays never have a deductible.
Yes. The plan pays the same percentages in or out of network. In MetLife's PDP Plus network, the dentist accepts MetLife's negotiated fee as payment in full. Out of network, MetLife pays based on its maximum allowable charge, and the dentist can bill you the difference. Find a PDP Plus dentist.
Yes. Tooth-colored (composite) fillings are covered on every tooth, including molars, at 80% as basic care.
Complete has a higher maximum ($10,000, with up to $3,000 for implants), a $100 deductible you pay once for life, and 3 cleanings a year, and its major work rises to 60% from year 3. Elite pays basic care at 80% from day one, where Complete starts at 65%. Compare Complete, Essentials & Value, or ask me which costs less where you live.
Generally no. Dentures or implant-supported teeth to replace teeth that were missing before your coverage started aren't covered, except for teeth that were missing from birth.
No. Orthodontics, night guards, and treatment for teeth grinding aren't covered on any Elite plan. Jaw (TMJ) treatment isn't covered either, except in Minnesota.
Log in to the NCD member portal at members.ncd.com to see your benefits, download ID cards, update your contact information, and change your payment method. NCD Member Care: 800-485-3855, Monday to Friday, 8 a.m. to 6 p.m. Central.
No. Dental work after an accidental injury isn't covered, except for damage from chewing or biting food.
I'm Hamon R. Burkhardt, a licensed Health & Life insurance broker. I'll help you pick a maximum based on the dental work you expect, plan the timing of bigger work, and check that your dentist is in network. No pressure, no fine print.
Preventive (Type A): exams, cleanings, bitewing X-rays, and fluoride for children under 14. Basic (Type B): fillings (including white fillings on molars), simple extractions, full-mouth and other X-rays, sealants and space maintainers for children under 14, emergency pain treatment, and lab tests. Major (Type C): consultations, root canals, gum maintenance cleanings, deep cleanings and gum surgery, crowns, inlays and onlays, bridges, dentures, repairs, surgical extractions and other oral surgery, general anesthesia, and implants (from year 3).
This is a summary. The certificate lists all exclusions and limitations.
In network, dentists accept MetLife's negotiated fees as payment in full, subject to your deductible and share. Out of network, MetLife pays based on the lesser of the dentist's fee or its scheduled maximum allowable charge, so you may owe more.
This guide summarizes NCD's product overviews for NCD Elite 1500, NCD Elite 3000, and NCD Elite 5000. Group dental plans featuring the Preferred Dentist Program are provided by Metropolitan Life Insurance Company, New York, NY. It was prepared by Hamon R. Burkhardt, licensed Health & Life insurance broker (NPN 16713594), and is not an official NCD or MetLife document. It is not a contract. The certificate decides what is covered. Products are not available in all states. © 2026 helpmehamon!