Frequently Asked Questions
As of January 31st, 2024, NCD dental plans underwritten by Nationwide are no longer accepting new enrollments.
Starting on July 1st, 2024, NCD dental plans underwritten by Nationwide will begin transitioning to NCD by MetLife dental plans.
To learn more about this change, and what effects it might have on you, your team, and your members, we've compiled this list of questions to help provide clarity.
As always, if you have a question that's not addressed here, please reach out to our Agent Support team.
Please Note: This information is intended for Agent use ONLY, not for general public use. Please do not distribute.
Key Information
Starting on July 1st, 2024, all NCD dental plans underwritten by Nationwide will transition over to new NCD by MetLife dental plans.
The benefits and monthly cost of these new NCD by MetLife plans will be identical to members' prior NCD underwritten by Nationwide plans.
Additionally, members will receive full credit for any time accumulated toward major services. The benefit accumulation period they’ve already built up with their Nationwide plan will continue seamlessly, and there will be no reset.
This transition is occurring as Nationwide has decided to no longer underwrite the dental coverage available as a benefit of membership in the NSBA. We have worked very hard to ensure a near seamless transition for our members to ensure their continuity of care.
Caring for our members is our top priority, and this transition allows us to continue to provide the excellent coverage and experience our members expect and deserve.
Members will begin to receive information about this transition and their new plan starting in early April. The notification will be in a staged rollout.
We ask that you allow members to receive their notification before contacting them about this so that they get the most accurate information.
Members should continue to use their existing NCD underwritten by Nationwide ID card for all services up to June 30th, 2024.
Then, starting on July 1st, 2024, they can present their new NCD by MetLife ID card to their dentist. This is all they will need to do to begin using their new plan.
Member Experience
Starting in early April, Members who are currently enrolled in an NCD underwritten by Nationwide plan will receive a packet of information containing the following information:
- A welcome letter that details why this transition is happening, how it affects them, and when to use their new ID card. (Click here to view a sample welcome letter.)
- An FAQ that clarifies some specific information about this transition. They will also be able to access a FAQ on Dental.NCD.com, which we have created specifically to help our members understand this transition.
- Their new NCD by MetLife ID card.
- A letter detailing the benefits and discounts available to them as members of the NWFA.
If your members have questions about this, you can encourage them to contact Member Care for assistance.
With this new NCD by MetLife plan, members will:
- Continue to pay the same monthly cost as their NCD Nationwide plan;
- Continue to receive the same dental benefits as their NCD Nationwide plan;
- Not have to opt-in or register to be rolled over to their new NCD by MetLife plan;
- Keep their existing time spent on their waiting period they’ve already accrued on their NCD Nationwide plan; that time will carry forward to the new NCD by MetLife plan and will not reset.
- Keep their vision coverage, if they had it already; nothing will be changing with their bundled vision plan.
As members gain access to their new NCD by MetLife plans, they will likely have an enhanced experience for the following reasons:
- Access to MetLife’s larger provider network (MetLife PDP Plus), making it easier for them to find an in-network provider.
- Higher in-network discounts with the MetLife network, so they should save more money on the care they need.
- Faster, more efficient, and more pleasant claims process, as MetLife is the largest claims payor in the country and processes most claims in a shorter time.
- More recognizable name brand at point of service, so that their providers will be familiar with the MetLife name when the client presents their ID card.
Members can use our dental provider search tool to find a dentist that is in the MetLife PDP Plus network.
Click Here to Search for an In-Network Dental Provider
This information, as well as an in-depth guide to finding a provider, will be sent to your members with their plan information. They are also encouraged to contact our Member Care Advisors for help.
The best thing to do is direct any members to our outstanding Member Care team for any questions.
Our Member Care Advisors can be reached Monday - Friday from 8am to 6pm at (CST) (800) 979-8266, or at Nationwide.MemberCare@NCD.com.
You, as an agent, can also help customers facilitate any changes by contacting our Agent Support team at:
- Email: AgentSupport@NCD.com
- Phone: (844) 284-4944
- Text: (469) 425-8419
- Or, live chat with an Agent Support team member by locating the chat icon in the bottom-right corner on the Agent Launchpad.
Agent Support is available from Monday through Friday, 8:30 to 5:30 CST.
Commissions and Incentives
Yes, you will continue to receive commission on all previously sold NCD Underwritten by Nationwide plans so long as they are paid and active. Your commission rate on previously sold NCD Underwritten by Nationwide policies will not change.
To determine what your NCD by MetLife commission rate is, please contact our Agent Support team at:
- Email: AgentSupport@ncd.com
- Phone: (844) 284-4944
- Text: (469) 425-8419
- Or, live chat with an Agent Support team member by locating the chat icon in the bottom-right corner on the Agent Launchpad.
Agent Support is available from Monday through Friday, 8:30 to 5:30 CST.
No, we will remit NCD by MetLife commissions to the same banking information we have on file for your NCD Underwritten by Nationwide commissions. If you’d like to update your banking details, please reach out to our Agent Support team at:
- Email: AgentSupport@ncd.com
- Phone: (844) 284-4944
- Text: (469) 425-8419
- Or, live chat with an Agent Support team member by locating the chat icon in the bottom-right corner on the Agent Launchpad.
Agent Support is available from Monday through Friday, 8:30 to 5:30 CST.
We think our NCD by MetLife dental plans are awesome, and we want as many people as possible to know about them. While we have no set plans for an incentive program in the immediate future, we are always looking for ways to incentivize our agents and reward them for their hard work.
Reach out to Agent Support to make sure you're subscribed to our email list to keep up to date with the latest promotions and incentives!
- Email: AgentSupport@ncd.com
- Phone: (844) 284-4944
- Text: (469) 425-8419
- Or, live chat with an Agent Support team member by locating the chat icon in the bottom-right corner on the Agent Launchpad.
Agent Support is available from Monday through Friday, 8:30 to 5:30 CST.
NCD by MetLife Plan Information
Here are the current availability maps for our NCD by MetLife products.
There are a handful of states where NCD by MetLife and NCD Elite by MetLife plans are not available – see state availability maps here:
Unfortunately, we currently have no other dental insurance options in those states. We continually try to seek approval in states where NCD by MetLife is not currently available and will communicate to our agent channel any time a new state is approved.
You can quote and enroll NCD by MetLife plans using your personalized NCD by MetLife enrollment portal link:
https://enrollment.ncd.com/xxxxxx (enter your 6-digit agent ID for xxxxxx)
If you do not know your 6-digit agent ID, please reach out to our Agent Support team:
- Email: AgentSupport@ncd.com
- Phone: (844) 284-4944
- Text: (469) 425-8419
- Or, live chat with an Agent Support team member by locating the chat icon in the bottom-right corner on the Agent Launchpad.
Agent Support is available from Monday through Friday, 8:30 to 5:30 CST.
NCD by MetLife plans use MetLife’s large nationwide PDP Plus provider network, which has more than 250,000 providers, and over 600,000 access points.
Members receive significant savings with in-network discounts of 35% - 50% off street prices.
You can look up providers here.
There are no waiting periods for preventive or basic services on any of our NCD by MetLife plans. Many of our plans have no waiting period for major services as well! Please consult individual product brochures on our Agent Launchpad for more product details.
Yes! Our NCD by MetLife plans are brought to you by the National Wellness and Fitness Association.
Customers who purchase a NCD by MetLife dental plan also become members of the NWFA and receive a wide range of benefits, including unlimited $0 copay telemedicine, 24-hour nurse line, Prioritize Wellness membership, roadside assistance, and many other discounts related to hearing aids, retail, travel, and more.
You can view NCD by MetLife NWFA benefits here.
If you like the design of the NCD Underwritten by Nationwide plans, we encourage you to check out our NCD Elite by MetLife plans!
Offer your members a dental insurance experience that helps them get the care and coverage they need and deserve with NCD Elite by MetLife. Here are just some of the benefits to get your members excited:
- 10% coinsurance in Year 1, which means there’s no waiting period on most major services. Forces provider to submit claims in Year 1, which forces the network discount.
- Composite (tooth-colored) fillings and crowns available on all teeth.
- Averages 35%–50% off street prices. Members should have lower cost share when they receive in-network services.
- Very large network with 250k+ providers and 600k+ access points. Members will have an easier time finding in-network providers and saving money with the in-network discount.
- MetLife is the largest payer of dental claims in the country, with a great member claims portal. MetLife processes most claims within 24 hours. Quick and seamless claims processing makes customers and providers happy.
- 90% of clients fall into a rating area with premiums less than or equal to NCD by Nationwide rates.
To get more information about the differences between NCD Underwritten by Nationwide plans and our NCD by MetLife plans, please reach out to your assigned Account Executive.
Don't know who your Account Executive is? Agent Support would be happy to help you get connected!
- Email: AgentSupport@ncd.com
- Phone: (844) 284-4944
- Text: (469) 425-8419
- Or, live chat with an Agent Support team member by locating the chat icon in the bottom-right corner on the Agent Launchpad.
Agent Support is available from Monday through Friday, 8:30 to 5:30 CST.
Our NCD by MetLife have many advantages you can highlight to attract customers, including:
- A wide range of plan designs up to a $10,000 annual max benefit!
- Large nationwide network with significant in-network discount (35% - 50% off)
- Quick and seamless claims process. MetLife is the largest payor of dental claims in the country.
- No waiting periods for preventive and basic services on all plans.
- No waiting period for major services on most plans!
- Quick and easy predetermination process.
- NWFA membership with robust benefits, including unlimited $0 copay telemedicine, 24-hour nurse line, Prioritize Wellness membership, roadside assistance, and many other discounts related to hearing aids, retail, travel, and more.
- The strong reputation and trustworthiness of MetLife.
Sales Training and Marketing Support
You can find all of the current marketing materials we have for our NCD by MetLife plans here on our Agent Launchpad.
We're always keeping our Agent Launchpad up-to-date with the latest fliers, brochures, sales materials, and other plan information, so bookmark that page and feel free to refer to it whenever you need something!
We will be offering weekly training webinars for agents who want to know more about our NCD by MetLife plans. During those webinars, one of our Account Executives will go through the plan options, features, and benefits, as well as offer you tips and advice on how to build your book of business.
As soon as those webinars become available, we'll post a Zoom signup link right here, as well as on our Agent Launchpad. Until then, we have recordings of past trainings you can view:
- Take a look at one of our past product trainings here: NCD By MetLife Product Training.
- Get to know our newest dental insurance product, NCD Elite by MetLife, here: NCD Elite by MetLife Product Training.
Customer Management and Retention
Yes, any members who have already enrolled in a NCD Underwritten by Nationwide plan will continue to keep their coverage.
Yes, existing NCD Underwritten by Nationwide customers will still be able to make plan changes after January 31st, 2024, including coverage level changes and benefit tier changes - including adding or removing a spouse and/or dependents.
The best thing to do is direct any members to our outstanding Member Care team for any questions.
NCD Underwritten by Nationwide Member Care can be reached Monday - Friday from 8am to 6pm at (CST) (800) 979-8266, or at Nationwide.MemberCare@NCD.com.
You, as an agent, can also help customers facilitate any changes by contacting our Agent Support team at:
- Email: AgentSupport@ncd.com
- Phone: (844) 284-4944
- Text: (469) 425-8419
- Or, live chat with an Agent Support team member by locating the chat icon in the bottom-right corner on the Agent Launchpad.
Agent Support is available from Monday through Friday, 8:30 to 5:30 CST.
Contractual and Legal Concerns:
No. If you're already contracted with us, you are good to go! You will not need to re-contract to sell our NCD by MetLife plans.
No, this change does not impact your current contract with NCD.
Feedback:
Please reach out to our Agent Support team with any questions you might have:
- Email: AgentSupport@ncd.com
- Phone: (844) 284-4944
- Text: (469) 425-8419
- Or, live chat with an Agent Support team member by locating the chat icon in the bottom-right corner on the Agent Launchpad.
Agent Support is available from Monday through Friday, 8:30 to 5:30 CST.
Agent Use Only. Not for general public use. Do not distribute.
