NCD Dental Insurance in Texas: MetLife Dental Plans With No Waiting Periods
NCD Dental by MetLife
Immediate coverage. Individual and family dental plans on the MetLife PPO network, with annual maximums from $750 up to $10,000 and no waiting period on most plans.
About NCD Dental Insurance
NCD (National Care Dental) sells individual and family dental and vision plans through its partnerships with MetLife for dental and VSP for vision. NCD says its white glove service model aims to answer member calls in under 30 seconds and get your need handled right the first time. If you are comparing dental insurance plans in Texas, NCD is worth a look when you want coverage that starts right away instead of making you wait six to twelve months for a crown.
NCD offers eight dental plans in three families: NCD by MetLife (Complete, Essentials and Value), NCD Elite by MetLife (5000, 3000 and 1500) and NCD Bright by MetLife (1500 and 1000). You pick the annual maximum and deductible that fit your budget.
High Annual Maximum
NCD Complete pays up to $10,000 per insured person per calendar year, far above the $1,000 to $3,000 caps on many individual dental plans.
No Waiting Periods
Complete, Essentials, Elite and Bright have no waiting period on preventive, basic or major services. Only NCD Value has a 12-month wait on major work.
Cleanings Covered
Preventive cleanings are covered at 100% on Complete, Essentials, Value and Elite. Bright covers 90% in year one and 100% from year two.
NCD Dental Plan Comparison
All eight dental plans are underwritten by MetLife. Percentages below are the share of the allowed charge the plan pays after any deductible, and they rise from year to year on several plans.
| Plan | Annual maximum | Deductible | Fillings and simple extractions | Crowns and root canals | Waiting period | Monthly price, one adult |
|---|---|---|---|---|---|---|
| NCD Complete | $10,000 | $100 per person, lifetime | 65% yr 1, 80% yr 2, 90% yr 3+ | 10% yr 1, 50% yr 2, 60% yr 3+ | None | $89-$94/mo |
| NCD Essentials | $2,000 | $50 per person per year | 65% yr 1, 80% yr 2, 90% yr 3+ | 10% yr 1, 50% yr 2, 60% yr 3+ | None | $65-$72/mo |
| NCD Value | $750 | $50 per person per year | 50% yr 1, 65% yr 2, 80% yr 3+ (fillings and extractions) | 10% yr 2, 25% yr 3+ | Major: 12 months | $35/mo |
| NCD Elite 5000 | $5,000 | $50 per person, $150 per family | 80% | 10% yr 1, 50% yr 2+ | None (implants: 24 months) | $83-$87/mo |
| NCD Elite 3000 | $3,000 | $50 per person, $150 per family | 80% | 10% yr 1, 50% yr 2+ | None (implants: 24 months) | $74-$78/mo |
| NCD Elite 1500 | $1,500 | $50 per person, $150 per family | 80% | 10% yr 1, 50% yr 2+ | None (implants: 24 months) | $59-$62/mo |
| NCD Bright 1500 | $1,500 | $100 per person | Fillings 50% yr 1, 60% yr 2, 70% yr 3+; extractions 10% yr 1, 20% yr 2+ | 10% yr 1, 20% yr 2+ | None | $37/mo |
| NCD Bright 1000 | $1,000 | $100 per person | Fillings 50% yr 1, 60% yr 2, 70% yr 3+; extractions 10% yr 1, 20% yr 2+ | 10% yr 1, 20% yr 2+ | None | $32/mo |
Source: ncd.com plan pages, reviewed October 2026. Prices are monthly for one adult (member only), quoted through the NCD enrollment tool in October 2026 for Dallas, Houston, McAllen and El Paso ZIP codes. Rates vary by ZIP code but did not change with age in our checks, so your price may differ. Deductibles on Essentials, Value, Elite and Bright apply to basic and major services. Value's crown and root canal coinsurance is published for year 2 and later because of its 12-month wait on major services. Implant maximums: Elite 5000 $2,500, Elite 3000 $1,500, Elite 1500 $750, and Complete $3,000. Benefits, exclusions and limitations are governed by the policy. Plans and premiums are subject to change and not available in all states.
How the Year-by-Year Coinsurance Works
Most NCD plans start paying right away, but the share the plan pays on major services grows over time. On NCD Complete and Essentials, for example, crowns and root canals are paid at 10% in year one, 50% in year two and 60% from year three on. Fillings and simple extractions start at 65% and rise to 80%, then 90%.
- Year one is the lowest benefit year. If you know you need a crown, expect to pay most of the cost in the first year on these plans, even though there is no waiting period.
- Benefits step up each year you keep the plan. The longer you stay, the more the plan pays on fillings, extractions and major work.
- Use a MetLife PPO dentist. Network dentists have agreed to discounted fees, which lowers your share of the bill. You can see any dentist, but in-network benefits are better.
- Check the annual maximum. Once the plan has paid up to your maximum in a calendar year, you pay the rest until the year resets.
What NCD Dental Plans Cover
Preventive
- Cleanings, covered at 100% on most plans
- Exams and X-rays on day one
Basic
- White (resin composite) fillings
- Simple extractions
Major
- Crowns
- Root canals
Implants (Complete and Elite)
- Complete: $3,000 implant limit inside the annual maximum
- Elite: separate implant limit, 24-month waiting period
MetLife PPO Dental Network
NCD dental plans use the MetLife PPO network. NCD reports more than 485,000 participating dentist access points nationwide. Use the provider search to see whether your dentist participates before you enroll.
Add Vision: VSP Preferred Vision Plan by NCD
NCD also sells a vision plan underwritten by VSP that pairs well with a dental plan. There is no waiting period and no medical exam to enroll.
Eye Exam Copay
Annual WellVision exam with a $20 copay at an in-network provider.
Frame Allowance
$200 frame allowance every 24 months, plus a $150 contact lens allowance each year.
Lens Copay
$25 copay for prescription lenses and $50 for progressives. Find a doctor with the VSP provider search.
Frequently Asked Questions
Does NCD dental insurance have a waiting period?
NCD Complete, Essentials, Elite and Bright plans have no waiting period on preventive, basic or major services. NCD Value has no waiting period on preventive and basic services but a 12-month waiting period on major services. The Elite plans have a 24-month waiting period on dental implants.
What dental network does NCD use?
NCD dental plans are underwritten by MetLife and use the MetLife PPO network, which NCD reports as more than 485,000 participating dentist access points. You can see any dentist, but you will generally pay less with a network dentist.
What is the highest annual maximum NCD offers?
NCD Complete by MetLife has a $10,000 calendar year maximum per insured person. Other plans range from $750 on NCD Value up to $5,000 on NCD Elite 5000.
How does the coinsurance on crowns and root canals work?
On most NCD plans the plan pays a smaller share of major services in the first year and a larger share later. For example, NCD Complete and NCD Essentials pay 10% of crowns and root canals in year one, 50% in year two and 60% from year three on. Coverage starts immediately, but the benefit grows over time.
Is there a deductible on NCD dental plans?
It depends on the plan. NCD Complete has a $100 per person lifetime deductible. NCD Essentials and NCD Value have a $50 per person calendar year deductible on basic and major services. Elite plans have a $50 per person, $150 per family calendar year deductible, and Bright plans have a $100 per person deductible on basic and major services. Cleanings and exams are covered at 100% or 90% depending on the plan.
Does NCD offer vision insurance?
Yes. The VSP Preferred Vision Plan by NCD includes a WellVision exam with a $20 copay, a $200 frame allowance every 24 months and a $150 contact lens allowance, with no waiting period. It is underwritten by VSP.
How much does NCD dental insurance cost in Texas?
In October 2026 quotes for one adult in Dallas, Houston, McAllen and El Paso ZIP codes, NCD dental plans ran from $32 a month for NCD Bright 1000 to $94 a month for NCD Complete, which has the $10,000 annual maximum. Prices depend on your ZIP code and plan, and they did not change with age in our checks. Family pricing is quoted at enrollment.
How do I get an NCD dental quote in Texas?
Use the Apply Now button on this page to see plans and prices for your ZIP code and enroll online, or call (972) 666-0578 and a licensed Texas agent will compare the NCD plans with you.
Compare Other Texas Dental Insurance Options
Get Dental Coverage That Starts Right Away
Quote NCD dental plans online, or talk it through with a licensed Texas agent first.
NCD dental plans are underwritten by MetLife and NCD vision plans are underwritten by VSP. Dental plans provide limited benefits and do not replace comprehensive coverage; they may not meet the pediatric dental requirements of the Affordable Care Act. This page is a summary only. Benefits, exclusions, limitations and state availability are governed by the plan documents and policy. Plans, coinsurance, deductibles and premiums are subject to change and are not available in all states.