We have multiple programs. There are questions about each. Please read these per plan providers to understand more details from the plan. Any questions can be answered directly by calling or emailing us.
NCD FAQs:
Does my dental plan have a waiting period? There are NO WAITING PERIODS for covered preventive and basic dental services. All benefits for covered preventive and basic services begin on your plan effective date. There is a 12-month waiting period for covered major dental services. If you had previous PPO or MAC dental coverage prior to your enrollment in the NCD dental plan and did not have a break in coverage, you may be able to get credit for the number of months you had continuous coverage toward the NCD major services 12-month waiting period.
Is my annual maximum dollar amount based on a calendar year? Yes, your annual maximum dollar amount is based on from January 1 – December 31 each year.
Is there coverage out of network? This plan is typical of a standard PPO plan. There is coverage out of network, however, you would be subject to higher out of pocket costs. In NC, MA, VA a member may see any provider and reimbursements are based on the customary maximum allowable charge (MAC).
How do I view my benefits? When you enrolled in your NCD dental plan, you should have received a welcome email if you provided an email address at the time of your enrollment. If you did not provide an email address, a welcome letter should have been mailed to you. The welcome email/letter provides you with your member ID and password, which grants you access to your member portal. The member portal provides additional information regarding your dental plan, including the schedule of benefits and limitation and exclusions for the dental plan. If you did not receive a welcome email or letter, please contact us.
Are the frequency limitations that are included in my dental plan based on my dental coverage effective date? Yes, the frequency limitations begin on the date your coverage is effective. For example, if your coverage is effective April 1, 2021, you are eligible to have 2 cleanings done between April 1, 2021 – March 31, 2022. The frequency limitations will reset each year on your anniversary date.
What is NSBA? When you enrolled in NCD, you automatically became a member of the National Small Business Association (NSBA)! You can now enjoy discounts, rewards, and perks on travel, apparel, restaurants, and much more. You can learn more about these benefits and services by visiting nsba.net and enter the access code “NSBA” under Member Login.
How do I submit claims? You or your dentist can submit completed claim forms along with any requested information to the address provided on your Member ID card. Dentists may submit claims electronically to the EDI Payor ID provided on your Member ID card. You may also contact Member Services directly for assistance.
What if my dentist doesn’t recognize NCD? NCD is the name of your PPO dental plan, and your dental provider may not recognize the NCD name. Nationwide Life Insurance Company is the insurance company that underwrites the NCD dental plan. Most providers are used to working with PPO plans and should recognize the PPO networks Maximum Care PPO network, including Careington, Connection Dental, and Dentemax.
What Are Dental Savings Plans?
A dental savings plan functions a lot like a membership at a warehouse club. You pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.
Choose from 30+ different plans from the healthcare brands you already know and trust like Cigna, Aetna and more. We have affordable plans to fit any need and budget. And, depending on the plan you choose, you'll save 10-60% on your next visit.
Our plans cover more than 140,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So, you’ll get the quality care you deserve at a bigger savings than you ever imagined possible.
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