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Plan Description

Nationwide Is On Your Side
We’re all smiles at Nationwide Insurance. These unique new dental plans will provide you so many reasons to smile - including strength and reliability!

• Nationwide puts Members first and protects what matters most
• Fortune 100 company with a healthy and diverse portfolio of insurance and financial services
• Commitment to the health benefits industry for more than 70 years

Underwritten by Nationwide Life Insurance Company. Administered by Merchants Benefit Administration.

Products are not available in all states.

Annual Maxium Benefits: 1500, 3000 or 5000

  • $50 annual deductible for basic and major services (per person)
  • $150 Maximum Deductible (per family)
  • No deductible for preventative services.

PREVENTIVE CARE (100% Coverage)** No Waiting Period

  • Routine Exam (1 in 6 months)
  • Bitewing X-rays (1 per 12 months)
  • Cleaning (2 in 12 months)
  • Fluoride for children under age 16 (1 in 12 months)

BASIC CARE (80% Coverage)** No Waiting Period

  • Full Mouth/Panoramic X-rays (1 in 3 years)   
  • Restorative Amalgams
  • Sealants (ages 6 through 16)   
  • Simple Extractions
  • Space Maintainers (child under 16)

MAJOR CARE (50% Coverage) ** 12-Month Waiting Period***

  • Onlays   
  • Periodontics (surgical)
  • Oral Surgery   
  • Denture Repair
  • Implants   
  • Dentures (1 appliance per 5 years)
  • Crowns (1 per tooth, per 7 years)   
  • Bridge (1 per 7 years)
  • Crown Repair   
  • Complex Extractions
  • Endodontics (nonsurgical)   
  • Anesthesia
  • Periodontics (nonsurgical)

In Network
NCD – Underwritten By Nationwide Insurance offers the use of Maximum Care PPO* which includes all Dentemax, Careington and Connection Dental network providers. Maximum Care PPO provides a national, seamless, credentialed PPO dental network, ranked in the top ten for network size with over 300,000 access points for your Dental Care needs. Maximum Care dentists offer fees below normal costs. Our NCD plan gives you the freedom to select any dentist you please, but if you use the Maximum Care network and you choose a dentist in the network, you may receive additional cost savings on fees to you and your family.

Out-of-Network benefits will be paid based on MAC fees. MAC means the Maximum Allowable Charge for your plan. You may be responsible for the difference between the MAC and the actual dental charge from a Non-Participating Provider.

Network not required in NC, MA, VA and will be paid based on MAC which is the Maximum Allowable Charge for your plan.”

When enrolling into NCD you automatically become a member of the National Small Business Association (NSBA). The NSBA monthly membership fee is $3.00 and is included in your monthly billing. You can learn more about the non-insurance benefits and services by visiting Available Member programs through NSBA Enjoy discounts, rewards, and perks on thousands of the brands you love in a variety of categories.

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 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 the 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: or (800) 979-8266.

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 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 MaximumCare PPO network, including Careington, Connection Dental, and Dentemax.

No Benefits are payable under the Policy for the Services listed below. In addition, the Services listed below will not be recognized toward the satisfaction of any Deductible:
1.    Any Services which are not included in the Schedule of Covered Procedures;
2.    Any Service started or appliance installed before the Effective Date or after the Termination Date, except in those instances noted in this Certificate;
3.    Any Service, which may not reasonably be expected to successfully correct the patient’s dental condition for a period of at least 5 years, as determined by Us;
4.    Any procedure We determine is not necessary, does not offer a favorable prognosis, does not have uniform professional endorsement or is experimental in nature;
5.    Crowns, inlays, onlays, cast restorations, or other laboratory prepared restorations on teeth, which may be satisfactorily restored with an amalgam or composite resin filling;
6.    Any treatment which is elective or primarily cosmetic in nature and not generally recognized as a generally accepted dental practice by the American Dental Association, as well as any replacement of prior cosmetic restorations unless such procedure is listed in the Schedule of Covered Procedures;
7.    Appliances, Services or procedures relating to:
a.    the change or maintenance of vertical dimension;
b.    restoration of occlusion (unless otherwise noted in the Schedule of Covered Procedures—only for occlusal guards);
c.    splinting;
d.    correction of attrition, abrasion, erosion or abfraction;
e.    bite registration; or
f.    bite analysis;

8.    Replacement of bridges unless the bridge is older than the age allowed in the Schedule of Covered Procedures and cannot be made serviceable;
9.    Replacement of full or partial dentures unless the prosthetic appliance is older than the age allowed in the Schedule of Covered Procedures and cannot be made serviceable;
10.    Replacement of crowns, inlays or onlays unless the prior restoration is older than the age allowed in the Schedule of Covered Procedures and cannot be made serviceable;
11.    For Orthodontia Services;
12.    Services provided for any type of temporomandibular joint (TMJ) dysfunctions, muscular, skeletal deficiencies involving TMJ or related structures, myofascial pain unless such procedure is listed as a Covered Procedure in the Schedule of Covered Procedures;
13.    Charges for implants of any type, and all related procedures, implant supported crowns, implant abutments, and removal of implants, unless such procedures are listed as Covered Procedures;
14.    Charges for precision or semi-precision attachments, denture duplication, overdentures and any associated surgery, or other customized Services or attachments;
15.    Athletic mouth guards; myofunctional therapy; treatment for malignancies, cysts and neoplasms; failure to keep scheduled appointment; charges for completion of Claim forms, infection control; precision or semi-precision attachments; denture duplication; oral hygiene instruction; separate charges for acid etch; charges for travel time; transportation costs; professional advice; treatment of jaw fractures; orthognathic surgery; exams required by a third party other than Us, personal supplies (e.g., water pik, toothbrush, floss holder, etc.); or replacement of lost or stolen appliances;
16.    Prescription drugs, premedication, pharmaceuticals, or analgesia;
17.    Dental disease, defect or injury caused by a declared or undeclared war or any act of war or terrorism or taking part in an insurrection or riot; the commission or attempted commission of a crime; an intentionally self-inflicted injury or attempted suicide while sane or insane;
18.    Dental treatment not approved by the American Dental Association or which is clearly experimental in nature;
19.    Any charge for a Service for which benefits are available under Worker’s Compensation or an Occupational Disease Act or Law, even if You did not purchase the coverage that is available to You;
20.    Any charge for a Service performed outside of the United States other than for Emergency Treatment. Benefits for Emergency Treatment performed outside of the United States are limited to a maximum of $100 per Plan Year.
21.    The initial placement of a removable full denture or a removable partial denture unless it includes the replacement of a Natural Tooth extracted while the Person is insured under the Policy;
22.    The initial placement of a fixed partial denture including a Maryland Bridge, unless it includes the replacement of a Natural Tooth extracted while the Person is insured under the Policy, provided that tooth was not an abutment to an existing partial denture. Frequency Limitations for replacement of Dentures and bridges are stated in the Schedule of Covered Procedures. Benefits are payable only for the replacement of those teeth which were extracted while the Person was insured under the Policy;
23.    The replacement of teeth beyond the normal complement of 32;
24.    The replacement of an existing removable partial denture with a fixed partial denture unless upgrading to a fixed partial denture is essential to the correction of the Covered Person’s dental condition;
25.    Local, including light anesthetic, as a separate fee;
26.    Any Treatment Plan which involves full-mouth reconstruction by the removal and reestablishment of occlusal contacts of 10 or more teeth with restorations, crowns, onlays, inlays, fixed partial dentures, dentures, or any combination of these Services;
27.    Services with respect to congenital (hereditary) or developmental (before birth) malformations, except during the 31 day period immediately following the birth of Your Child, including but not limited to; cleft palate, maxillary and mandibular (upper and lower) malformations, enamel hypoplasia (lack of development), fluorosis, and anodontia;
28.    Dental care paid for, required, or provided by or under the laws of a national, state, local or provincial government, or treatment furnished within a hospital or other facility owned or operated by a national or state government unless the Insured Person has a legal obligation to pay;
29.    Dental services performed in a hospital and related hospital fees;
30.    Services covered under an existing medical plan;
31.    The portion of an expense which is in excess of the reasonable charge;
32.    Fees associated with a cancelled or missed appointment;
33.    General anesthesia and I.V. sedation

TAKEOVER BENEFITS. Takeover benefits are provided only if so, indicated in the schedule of benefits. If takeover benefits are provided, an insured is eligible for takeover benefits only if the person both: (1) was insured under the participating employer’s prior plan the day before the participating employer’s effective date under the policy; and (2) has been continuously insured under the policy since the participating employer’s effective date. If takeover benefits are provided and the insured is eligible for takeover benefits, then we will reduce the insured’s waiting period(s) by the length of time, ending on the day before the participating employer’s effective date, that the insured was continuously covered for similar classes of service under the participating employer’s prior plan.

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Access to the insurance plans and large group pricing on this website is predicated upon joining Elevate Wellness, a national association with over 100,000 members.
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