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📞 855.847.7020 NCD by MetLife Dental Plans: 2026 Arizona Rates & Benefits
Up to $10,000 annual maxNo waiting periodsMetLife PPO networkUse any dentist
NCDby MetLife
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NCD by MetLife Dental in Arizona: Overview
NCD by MetLife pairs National Care Dental’s straightforward individual plans with MetLife’s nationwide PPO dental network — one of the largest in the country. Arizona residents can choose between two PPO plans, NCD Essentials and NCD Complete, both underwritten by Metropolitan Life Insurance Company.The standout advantage is no waiting periods — preventive, basic, and even major services are covered starting in year one. You can visit any licensed dentist, and you’ll save the most inside the MetLife PDP network, which has strong coverage across Phoenix, Tucson, Mesa, Scottsdale, and Chandler.The plans differ mainly in annual maximum: NCD Essentials covers up to $2,000 per year, while NCD Complete raises that to an unusually high $10,000 per year — a strong fit for families anticipating major dental work.2026 NCD by MetLife Dental Plan Comparison
| Plan Name | Est. Monthly Premium* | Annual Maximum | Preventive / Basic / Major | Network |
|---|---|---|---|---|
| NCD Essentials by MetLife PPO | from ~$35/mo* | $2,000 / year | 100% / 65%–90% / 10%–60% | MetLife PDP — any dentist |
| NCD Complete by MetLife PPO | from ~$55/mo* | $10,000 / year | 100% / 65%–90% / 10%–60% | MetLife PDP — any dentist |
*Premiums are illustrative 2026 estimates and vary by age, ZIP code, and effective date. Contact a licensed Arizona agent for your exact rate.
NCD Essentials vs NCD Complete: Which Plan Is Right for You?
Choose NCD Essentials if…
You want solid, affordable coverage for routine and moderate dental needs. A $2,000 annual maximum comfortably covers cleanings, exams, fillings, and the occasional crown for most individuals.Choose NCD Complete if…
You expect major work — multiple crowns, bridges, dentures, or implants — or you’re covering a family. The $10,000 annual maximum gives you room very few individual dental plans offer.Coverage Details
| Service Category | NCD Essentials | NCD Complete |
|---|---|---|
| Annual Maximum | $2,000 / year | $10,000 / year |
| Preventive (exams, cleanings, X-rays) | 100% — no waiting period | 100% — no waiting period |
| Basic (fillings) | 65% → 80% → 90% (yrs 1–3) | 65% → 80% → 90% (yrs 1–3) |
| Major (crowns, bridges, dentures) | 10% → 50% → 60% (yrs 1–3) | 10% → 50% → 60% (yrs 1–3) |
| Waiting Period | None | None |
| Provider Choice | Any dentist (save more in-network) | Any dentist (save more in-network) |
| Network | MetLife PDP | MetLife PDP |
5 Reasons to Choose NCD by MetLife in Arizona
- No waiting periods — preventive, basic, and major services are all covered from day one.
- MetLife PPO network — access one of the largest dental networks in the country.
- See any dentist — stay in-network to save more, or keep your current dentist out-of-network.
- Benefits that grow — basic and major coinsurance increases over your first three years.
- High annual maximums — up to $10,000 per year with NCD Complete, far above most individual plans.
Arizona Availability
NCD by MetLife individual dental plans are available to residents statewide in Arizona, with the MetLife PDP network offering strong dentist access in every major metro.
● Strong Network Coverage
Phoenix
Tucson
Mesa
Scottsdale
Chandler
Tempe
Gilbert
Glendale
Tucson
Mesa
Scottsdale
Chandler
Tempe
Gilbert
Glendale
● Limited Network — Verify Before Enrolling
Rural Arizona
Northern AZ
Eastern AZ
Navajo Nation Area
Northern AZ
Eastern AZ
Navajo Nation Area
Wherever you live in Arizona, you can enroll in an NCD by MetLife plan and start using your preventive benefits right away — with no waiting period.
Frequently Asked Questions
Does NCD by MetLife have a waiting period?
No. NCD Essentials and NCD Complete cover preventive, basic, and major services with no waiting period in Arizona, so you can use your benefits from day one. (A few states such as NY and CT differ.)
Can I keep my own dentist?
Yes. NCD by MetLife plans use the MetLife PDP PPO network. You can visit any licensed dentist, but you’ll pay less with an in-network provider.
What’s the difference between NCD Essentials and NCD Complete?
Both share the same coverage schedule and network. The main difference is the annual maximum: $2,000 for Essentials and $10,000 for Complete.
How does my coverage increase over time?
Basic services start at 65% and rise to 90% by year three; major services start at 10% and rise to 60% by year three. Preventive care is covered at 100% from day one.
Who underwrites NCD by MetLife plans?
The plans are underwritten by Metropolitan Life Insurance Company (MetLife) and administered through NCD (National Care Dental).