Agent FAQ Hub

It depends on what you and your clients are looking for!

Each of our dental plans offer different benefits and options. For advice on plan specifics, and support on how best to inform your clients, reach out to your Account Executive.

Don't know your Account Executive? Agent Support to the rescue! Give us a message, and we'll get you connected.

• Email us: debra@debra-gould.com

Association plans provide individuals access to the benefits typically available to larger organizations. By coming together and leveraging their collective bargaining power, association members gain access to more affordable, comprehensive coverage.

Associations provide members additional, exclusive benefits and resources, including access to their dental and vision plans. Association benefits include health, wellness, personal, and business benefits.

NCD by MetLife

All NCD by MetLife plans are paired with a membership to the National Fitness and Wellness Association (NWFA). The NWFA monthly membership fee varies depending on the dental plan selected, and is included in the members' monthly billing.

The NWFA provides non-insurance benefits that help members and their families and pets stay strong, healthy, and active.

VSP Vision

All VSP Preferred Vision plans are paired with a membership to the NWFA as well.

Our NCD by MetLife dental plans give you access to dentists through the MetLife Preferred Dentist Program (PDP). Dentists participating in the PDP have agreed to limit their charge for a dental service to the Maximum Allowable Charge (MAC) for such service.

That means that if a certain dental procedure's MAC is set at $400, your in-network dentist has agreed to only charge that amount. If your plan's coinsurance is set to cover 80% of that dental procedure, then the plan will pay 80% of $400, which is $320.

If you choose a dentist who is not in the MetLife PDP network, we'll still pay benefits for covered services. However, the percentage your plan covers is based on the MAC amount, not the total your dentist charges.

If your out-of-network dentist charges you $800 for the same dental procedure as above, but the MAC for your plan is still at $400 and your coinsurance is 80%, your plan will pay 80% of the MAC, not the total charge.

This means your out-of-network costs could be higher, because anything above and beyond the MAC is not covered by your plan, and would be your responsibility. In this example, your plan would pay 80% of the $400 MAC ($320), and the remaining $480 would be your responsibility.

Out-of-network dentists have not entered into an agreement with the PDP to limit their charges. You are always free to receive services from any dentist you choose without authorization, but choosing an in-network dentist will likely save you money.

No. The membership to the association is what allows members to gain access to the rewards and benefits, including the dental or vision plan itself.

Many of our dental plans cover implants, but there are some specific guidelines about when and how those implants can be covered. For more clarity, reach out to your Account Executive, or to Agent Support.

Yes! Visit the NWFA page for a detailed breakdown of all the benefits and discounts available at each level of membership to the National Wellness and Fitness Association.

Yes. Our NCD by MetLife dental plans have a missing tooth clause. The missing tooth clause does not apply to congenitally missing teeth. To get the specific details about what that means for your clients, reach out to your Account Executive, or to Agent Support.

NCD by MetLife plans are currently available in the following states:

• Alabama
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• West Virginia
• Wisconsin
• Wyoming

NOT available in: Alaska, Maine, Montana, New Mexico, South Dakota, Vermont, Washington.

Pricing is based on zip code. Below are member-only price ranges for each product:

Please consult your personal enrollment link for the most current rates, as well as rates for plans with spouses and dependents. Your link will look like: https://enrollment.ncd.com/XXXXXX where XXXXXX is your NCD Agent ID.

Coverage for Preventive and Basic services starts on day one for all NCD by MetLife dental plans. There is no waiting period for Major services on most NCD by MetLife dental plans.

No, we do not accept proof of prior coverage waivers for NCD by MetLife plans.

Yes, all NCD by MetLife dental plans include membership to the National Wellness and Fitness Association. The association fee is included in the total monthly cost.

Implant services are covered under several NCD by MetLife dental plans. Like many dental plans, there are specific guidelines around implants. Reach out to your Account Executive or Agent Support for details.

Our VSP Preferred Plan by NCD is currently available in the following states:

• Alabama
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Nebraska
• Nevada
• New Jersey
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Pennsylvania
• Rhode Island
• South Carolina
• Tennessee
• Texas
• Virginia
• West Virginia
• Wisconsin
• Wyoming

Our NCD Vision by VSP plan is available in: Oregon only.

The VSP Preferred Plan by NCD is NOT available in Washington.

The two plans are very similar. The primary difference is that NCD Vision by VSP is only available in Oregon.

Yes! Your enrollment portal allows you to sell a vision plan individually.

Yes, all of our vision plans include membership to the National Wellness and Fitness Association. The association fee is included in the total monthly cost.

For new business, commissions are paid weekly to agents.

For existing business, commissions are paid monthly to agents.

Level, and paid the same for as long as the account is paid.

Agents continue to receive commissions for the lifetime of the policy.

Click the link below to complete your application online:

Start Contracting →

You will need:

• Your Individual NPN (even if applying as an agency)
• Your current W-9
• E&O coverage documents

While you are required to have E&O coverage to contract with NCD, you are not required to submit proof with your application. NCD reserves the right to request proof when necessary.

Yes! One contract with us is all you need.

When we complete your contracting audit, we ensure that your licenses are up to date in our system. This means that as soon as you receive your welcome email, you are ready to go in all of the states in which you currently hold active licenses.

Reach out to your Account Executive: debra@debra-gould.com