Dental & Vision Insurance
Medicare Doesn't Cover Your Teeth or Your Eyes.
Most people don't find out until they need it. Dental and vision coverage is not included in Medicare — and when employer plans end, that gap doesn't close on its own. Affordable individual plans are available, and getting a quote takes less than 60 seconds.
More than 1 in 2 Medicare beneficiaries has no dental coverage — and Medicare has never covered routine dental or vision care.1
Who is This Coverage Built for?
Dental and vision needs may change — the right coverage depends on where you are in life. Whether you are approaching retirement, managing your own coverage, or running a business, there is an affordable plan built for your situation.
Retirees & Medicare Recipients
Medicare Parts A and B do not include dental or vision benefits. That means routine cleanings, fillings, eye exams, and glasses come entirely out of pocket — unless you have a standalone plan. Individual dental and vision coverage fills that gap at a price that makes sense for a fixed income.
Individuals Without Employer Coverage
Self-employed, between jobs, or simply not covered through work — individual dental and vision plans give you access to the same quality networks that employer plans use, without being tied to a job to keep them.
Business Owners
Many small business owners pay a premium for group dental and vision through the small business market. Individual plans through NCD by MetLife and VSP can offer comparable coverage at a fraction of the cost — with no minimum participation requirements and no renewal headaches.
68.5 million Americans have no dental insurance — making it the largest coverage gap in the U.S. healthcare system.2
Dental Plans — NCD by MetLife
NCD by MetLife dental plans give you access to the MetLife Preferred Dentist Program — one of the largest dental networks in the country. You are always free to see any licensed dentist, and no referral or authorization is required. Choosing an in-network provider typically saves money, but the choice is always yours.
- Plans starting as low as $27 per month
- Preventive and basic services covered from day one — no waiting period
- No waiting period for major services on most plans
- Implants covered under several plan tiers
- In-network and out-of-network benefits available
- 100% US-based customer support
What Plan Tiers are Available?
NCD Smile, NCD Elite, NCD Core, and NCD Complete plans are available depending on your zip code and coverage needs. Annual maximums range from $750 to $10,000.
Vision Plans — VSP Preferred by NCD
The VSP Preferred Plan through NCD connects you to the VSP network — one of the most widely recognized vision networks in the country. Coverage includes annual eye exams, frames, lenses, and contact lenses through a straightforward, low-cost monthly plan.
Key features:
- $20 exam copay
- Up to $220 allowance for featured frame brands
- Up to $150 allowance for contact lenses in lieu of lenses
- $50 copay on progressive lens enhancements
- Frame allowance up to $200 every 24 months
- Can be purchased standalone or bundled with a dental plan
Around 63% of Americans lack vision insurance, leading to significant out-of-pocket expenses.3
Get A Quote in Under 60 Seconds — No Personal Information Required
Most insurance quotes ask for your name, email, and phone number before showing you anything. Not here. All you need to run a quote is your zip code and date of birth. No contact information is collected unless you decide to move forward with coverage. That is a true no-obligation quote.
If you would rather have someone walk you through the options, we are available by phone or email and can run a quote with you directly.
Run Your Own Quote
Run your own quote in less than 60 seconds.
You can compare coverages and request coverage directly.
Contact Us
Email us and we'll reach out to you to discuss your needs and provide a quote to you.
1. Centers for Medicare & Medicaid Services
2. CareQuest Institute for Oral Health, 2023
3. HealthSureHub
Date Updated: May 26, 2026