National Care Dental Health Plan
National Care Dental Health Plan is a Dallas-based licensed insurance agency that markets dental, vision, and accident plans underwritten by MetLife, VSP, and Zurich to individuals, families, NWFA association members, and Medicare beneficiaries across all 50 U.S. states, earning recurring commissions on subscription premiums.
- Company typePrivate
- Founded2020
- HeadquartersDallas, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What National Care Dental Health Plan does
National Care Dental Health Plan (NCD) is a Dallas-based insurance marketing and enrollment company that distributes supplemental dental, vision, and accident insurance plans to individuals, families, and association members across the United States. The company operates under a licensed-agency model—through its sister entity NCD Agency, LLC—and does not itself underwrite insurance; instead, it markets plans underwritten by MetLife (dental), VSP Vision Care (vision), and Zurich American Insurance Company (accident), earning commissions on each issued policy. NCD holds agency licensing in all 50 U.S. states and territories.
NCD's product portfolio spans four MetLife-underwritten dental families (NCD by MetLife with Value/Essentials/Complete tiers from $750–$10,000 annual maximums, NCD Elite in $1,500/$3,000/$5,000 tiers with day-one coverage, NCD Bright in $1,000/$1,500 tiers, and NCD Smile on a copay-based structure no longer accepting new enrollments), the VSP Preferred Plan for vision (network of 34,000+ in-network doctors), and NCD AccidentPrime in four tiers ($5,000 to $15,000 AME). Underlying delivery relies on MetLife's PDP Plus network with over 485,000 dentist access points. Distribution runs through three channels: a contracted licensed agent/broker network, direct-to-consumer online enrollment via enrollment.ncd.com, and an association channel anchored by the National Wellness and Fitness Association (NWFA), whose members receive NCD plans as a membership benefit plus additional non-insurance discounts worth $125+/month on enhanced tiers. Member support is anchored by a stated sub-30-second call-response SLA and an online member portal.
Revenue is generated primarily through recurring commissions on subscribed insurance premiums, with secondary income from NWFA association membership fees. The company targets uninsured and underinsured consumers, association members, and—following the September 2024 acquisition of Medicare-focused benefits firm Tenure Health—Medicare beneficiaries seeking supplemental coverage. NCD is privately held, domiciled in Texas, and operates with 101–250 employees; it was founded circa 2020.
National Care Dental Health Plan firmographics
Firmographics- Name
- National Care Dental Health Plan
- Legal name
- National Care Dental Health Plan LLC
- Website
- https://ncd.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- National Care Dental Health Plan is a Dallas-based licensed insurance agency that markets dental, vision, and accident plans underwritten by MetLife, VSP, and Zurich to individuals, families, NWFA association members, and Medicare beneficiaries across all 50 U.S. states, earning recurring commissions on subscription premiums.
- Ownership category
- akta.pro rank
National Care Dental Health Plan industry classification
Industry- Product category
- Dental Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Medicare Dental & Vision (MA Embedded & Supplemental) (FSAIAHAJ)
Keywords
Where National Care Dental Health Plan is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
National Care Dental Health Plan business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premium Revenue: NCD earns revenue through commissions from insurance products marketed and enrolled on behalf of insurance carriers. The company markets dental, vision, and accident insurance plans underwritten by MetLife, VSP Vision Care, and Zurich American Insurance Company. NCD acts as a licensed insurance agency, not an underwriter.
- Association Membership Fees: Revenue generated through association membership with the National Wellness and Fitness Association (NWFA), which provides access to NCD insurance plans and various member discounts on health, travel, and retail products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | NCD Value by MetLife - Entry-level plan with $750 annual maximum |
| Subscription | Annual | NCD Essentials by MetLife - Mid-tier plan with $2,000 annual maximum |
| Subscription | Annual | NCD Complete by MetLife - Premium plan with $10,000 annual maximum |
| Subscription | Annual | NCD Elite 1500 by MetLife - Day-one coverage plan with $1,500 maximum |
| Subscription | Annual | NCD Elite 3000 by MetLife - Day-one coverage plan with $3,000 maximum |
| Subscription | Annual | NCD Elite 5000 by MetLife - Day-one coverage plan with $5,000 maximum |
| Subscription | Annual | NCD Bright 1000 by MetLife - Basic day-one coverage with $1,000 maximum |
| Subscription | Annual | NCD Bright 1500 by MetLife - Enhanced day-one coverage with $1,500 maximum |
| Subscription | Annual | NCD Smile 1000 by MetLife - Copay-based plan (no longer accepting new enrollments) |
| Subscription | Annual | NCD Smile 2500 by MetLife - Enhanced copay-based plan (no longer accepting new enrollments) |
| Subscription | Annual | VSP Preferred Plan by NCD - Vision coverage with exam and materials |
| Subscription | Annual | NCD AccidentPrime 5000 - Accident medical expense plan with $5,000 coverage |
| Subscription | Annual | NCD AccidentPrime 7500 - Accident medical expense plan with $7,500 coverage |
| Subscription | Annual | NCD AccidentPrime 10000 - Accident medical expense plan with $10,000 coverage |
| Subscription | Annual | NCD AccidentPrime 15000 - Accident medical expense plan with $15,000 coverage |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels4 records
National Care Dental Health Plan product offering
Product offeringCore offering
National Care Dental Health Plan (NCD) is a licensed insurance agency that markets and administers dental, vision, and accident insurance plans on behalf of carrier partners MetLife, VSP Vision Care, and Zurich American Insurance Company. Plans are primarily distributed as association products to members of the National Wellness and Fitness Association (NWFA), with day-one coverage, no waiting periods on preventive care, and annual maximums ranging up to $10,000. NCD handles marketing, enrollment, billing, and member services while carriers retain underwriting and claims risk.
Product overview
NCD (National Care Dental Health Plan) is a dental and vision insurance marketing company that offers a portfolio of supplemental health insurance products through partnerships with MetLife (dental) and VSP Vision Care (vision), plus accident coverage underwritten by Zurich American Insurance. The core product lines include: NCD by MetLife (Value, Essentials, Complete tiers), NCD Elite by MetLife (1500, 3000, 5000 tiers), NCD Bright by MetLife, NCD Smile by MetLife, VSP Preferred Plan by NCD, and NCD AccidentPrime plans. All dental plans are association plans for NWFA members, utilizing MetLife's PDP Plus network with access to over 485,000 dentist access points. NCD acts as a marketing and enrollment administrator while insurance underwriting and claims processing are handled by partner insurance companies.
Differentiator
Problem solved
Functional benefit
Brands
- NCD by MetLife: Association dental plan providing members of the National Wellness and Fitness Association (NWFA) with dental benefits backed by MetLife.
- NCD Elite by MetLife
- NCD Bright by MetLife
- NCD Smile by MetLife
- VSP Preferred Plan by NCD
- NCD AccidentPrime
Products and services
- NCD by MetLife
Quantifiable outcome
- Over 485,000 dentist access points through MetLife network
- +4 more outcomes
Companies that use National Care Dental Health Plan
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
National Care Dental Health Plan technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
National Care Dental Health Plan partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered growth, core and minor.
- Tenure HealthgrowthNCD acquired Tenure Health, a Medicare-focused benefits innovator, to advance growth in the healthcare insurance sector and enhance product development capabilities. The acquisition aims to accelerate NCD's growth and strengthen its product innovation within the health insurance market.
- MetLifecoreMetLife serves as the primary underwriter for NCD dental insurance plans, including NCD by MetLife, NCD Elite, NCD Bright, and NCD Smile product lines. NCD provides marketing, enrollment, and member services while MetLife handles underwriting and claims administration through its PDP Plus network of 485,000+ dentist access points.
- VSP Vision CarecoreVSP Vision Care underwrites and administers NCD vision plans under the VSP Preferred Plan by NCD brand. VSP provides its network of 34,000+ in-network eye doctors and guarantees member satisfaction.
- Zurich American Insurance CompanycoreZurich American Insurance Company underwrites NCD AccidentPrime accident medical expense plans, providing accidental death and dismemberment coverage and AME benefits to NWFA members.
- National Wellness and Fitness Association (NWFA)coreNWFA is the association partner through which NCD insurance products are offered to members. All NCD plan holders automatically become NWFA members and gain access to additional health, travel, and retail discounts worth $125+/month for enhanced plans.
- Professional Insurance Marketing Association (PIMA)minorNCD maintains active membership in PIMA, collaborating with industry experts to stay current with trends and developments impacting agents and members.
- National Association of Dental Plans (NADP)minorNCD maintains active membership in NADP, the leading association for the dental benefits industry, to stay informed on industry developments and provide comprehensive solutions.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
National Care Dental Health Plan competitors and assessment
Company assessmentDirect peers
- Solstice Benefits: Solstice Benefits is a dental, vision, and ancillary insurance marketing/administration agency operating nationally through broker and association channels. Directly comparable to NCD's agency model of marketing MetLife- and VSP-underwritten products through agent networks.
- Careington International: Careington markets dental, vision, and health-related insurance and discount plans through agent/broker and association channels. Comparable to NCD's marketing-led agency model with multiple carrier and network partnerships.
- HealthMarkets: HealthMarkets is a large national insurance agency that distributes health, dental, vision, and supplemental products across all 50 states through a licensed agent network. Closely comparable to NCD's agent-led, multi-carrier distribution approach.
Broad incumbents
- GoHealth: GoHealth is a large health insurance marketplace and agency distributing Medicare, ACA, and ancillary products. Comparable to NCD as a non-underwriting distribution platform, though with a broader product portfolio and Medicare focus.
- eHealth: eHealth operates one of the largest U.S. online health insurance marketplaces, including dental and vision. Overlaps with NCD's direct-to-consumer online enrollment model for individual dental and vision coverage.
- Delta Dental: Delta Dental is the dominant U.S. dental insurance carrier with the largest provider networks. Represents the incumbent direct carrier alternative that NCD competes against for individual dental coverage.
- Humana: Humana offers dental, vision, and Medicare supplemental products through employer and individual channels. Comparable as an incumbent carrier offering the same product categories, including Medicare dental/vision (relevant to NCD's Tenure Health expansion).
- Cigna Healthcare: Cigna offers dental and vision insurance products to individuals and groups nationwide. Competes with NCD on individual dental coverage, including similar network-based PPO plan structures.
- Aetna (CVS Health): Aetna, a CVS Health company, sells dental, vision, and supplemental insurance products through employer and individual channels. Comparable as an incumbent offering the full ancillary insurance portfolio that NCD bundles.
Emerging players
- Beam Dental: Beam Dental is a digital-first dental insurance and benefits platform targeting small employers and individuals. Comparable as a dental-focused insurer/marketer, though with proprietary underwriting versus NCD's carrier-led model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
National Care Dental Health Plan social profiles
Digital presenceNational Care Dental Health Plan financial estimates
Financial estimateRevenue estimate
Valuation estimate
National Care Dental Health Plan leadership team
Management profileNumber of profiles
Profiles1 record
National Care Dental Health Plan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
National Care Dental Health Plan M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about National Care Dental Health Plan
What does National Care Dental Health Plan do?
National Care Dental Health Plan (NCD) is a licensed insurance agency that markets and administers dental, vision, and accident insurance plans on behalf of carrier partners MetLife, VSP Vision Care, and Zurich American Insurance Company. Plans are primarily distributed as association products to members of the National Wellness and Fitness Association (NWFA), with day-one coverage, no waiting periods on preventive care, and annual maximums ranging up to $10,000. NCD handles marketing, enrollment, billing, and member services while carriers retain underwriting and claims risk.
Is National Care Dental Health Plan a public or private company?
National Care Dental Health Plan is a private company. It is classified as unknown and is currently operating.
When was National Care Dental Health Plan founded?
National Care Dental Health Plan was founded in 2020. It employs 101 to 250 people.
Where is National Care Dental Health Plan based?
National Care Dental Health Plan is headquartered in Dallas, United States, in the North America region.
How does National Care Dental Health Plan make money?
Two revenue lines are on record. Insurance Premium Revenue is the primary driver. The others are association Membership Fees.
Who are National Care Dental Health Plan's main competitors?
Direct peers on record are Solstice Benefits, Careington International and HealthMarkets. Broad incumbents are GoHealth, eHealth, Delta Dental, Humana, Cigna Healthcare and Aetna (CVS Health). Beam Dental is listed as an emerging player.
Does National Care Dental Health Plan have an API?
No public API is recorded for National Care Dental Health Plan.
What industry is National Care Dental Health Plan in?
National Care Dental Health Plan's product category is Dental Insurance. Its primary akta.pro industry code is FSAIAHAJ, Medicare Dental & Vision (MA Embedded & Supplemental). Its NAICS code is 524210 and its SIC code is 6411.