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Dental plan finder

Eight questions, and the plans that actually match

Seven dental policies, each built differently, and the differences only matter once you know what you need. Answer what applies to you and the list narrows. Skip anything you do not care about.

Start the questions Or call (424) 295-0627

Most dental comparison pages rank plans. This one does not, because a ranking needs somebody to decide what matters, and only you know whether an implant is coming or whether your hygienist wants to see you three times a year.

So this filters instead. Every answer below comes from the policy documents we hold, and each plan quotes the sentence its answer came from — our word for it is a label, the carrier's sentence is the fact. The plans themselves are set out in full on our dental insurance page.

Two things it cannot tell you: what a plan costs, and whether it is sold where you live. Both of those come from the company, through the enrollment link on each matching plan, and they take a couple of minutes.

One answer here is not the document's. Two of the NCD plans say nothing about implants either way, and the agency knows the answer — so it is given, marked as ours rather than the summary's, and we confirm it with the company in writing before anybody applies. You will see which is which on the card.

This is a filter, not advice. It narrows a published list by what the policy documents say, and it is not a recommendation, not a suitability determination, and not a substitute for reading the policy you are issued. Nothing you answer is sent anywhere — it stays in your browser.

Your answers

Answer what matters to you. Skip the rest.

Answer a question above and the plans sort themselves into three lists: the ones that match, the ones whose documents do not say, and the ones your answers rule out.

All 7 plans, before you answer anything

The filter above needs JavaScript. Without it these are the same plans with the same answers, in the order the dental page lists them — nothing is hidden from you either way.

Dental, Vision and Hearing Select

Manhattan Life

Major work in year onePays a share of major work from day one“Paid at 20% in the first year and 50% thereafter”
ImplantsCovered, with no separate wait“prosthodontic service and implants”
OrthodontiaCovered“Straightening of teeth, at any age.”
CleaningsTwo a year“cleanings twice a year”
VisionAn optional rider you add“Eye exam, refraction, single, bifocal, trifocal and progressive lenses, and contact lenses.”
HearingAn optional rider you add“Hearing exam, and hearing aids with necessary repairs or supplies, to a maximum of $750 per ear per year.”
Annual maximumAmong the largest on this page“$1,000, $1,500, $3,000 or $5,000”
RenewalGuaranteed renewable for life“Guaranteed renewable for life”

See price and availability Read the full schedule

MetLife Value DPO

NCD, underwritten by Metropolitan Life Insurance Company

ImplantsNot covered at allNot in the plan summary we hold — this is the agency's own answer, and we will confirm it with the company in writing before you apply: only the Complete plan and the Elite plans in this family schedule an implant benefit, and this one does not cover implants
Major work in year onePays nothing toward major work in year one“major work is paid at 0% in year one”
OrthodontiaNot covered, at any age“Orthodontia services or appliances are excluded”
CleaningsTwo a year“Cleanings 1 time in 6 months.”
Annual maximumThe smallest on this page“$750 per person, per calendar year”

See price and availability Read the full schedule

MetLife Bright DPO — plans 1000 and 1500

NCD, underwritten by Metropolitan Life Insurance Company

Major work in year onePays a share of major work from day one“Major work (Type C) is paid at 10% in year one and 20% from year two.”
ImplantsNot covered at all“Implantology, including repairs, is excluded outright.”
OrthodontiaNot covered, at any age“Orthodontia services or appliances are excluded”
CleaningsTwo a year“Cleanings 2 times in 12 months (1 every 6 months).”
Annual maximumMid-sized, for this page“$1,000 or $1,500 per person, per calendar year”

See price and availability Read the full schedule

MetLife Essentials DPO

NCD, underwritten by Metropolitan Life Insurance Company

ImplantsNot covered at allNot in the plan summary we hold — this is the agency's own answer, and we will confirm it with the company in writing before you apply: only the Complete plan and the Elite plans in this family schedule an implant benefit, and this one does not cover implants
Major work in year onePays a share of major work from day one“Major work (Type C) is paid at 10% in year one, 50% in year two and 60% from year three.”
OrthodontiaNot covered, at any age“Orthodontia services or appliances are excluded”
CleaningsThree a year“Examinations 3 times in 1 calendar year and cleanings 3 times in 1 calendar year”
Annual maximumMid-sized, for this page“$2,000 per person, per calendar year”

See price and availability Read the full schedule

MetLife Elite DPO — plans 1500, 3000 and 5000

NCD, underwritten by Metropolitan Life Insurance Company

Major work in year onePays a share of major work from day one“Major work (Type C) is paid at 10% in year one and 50% from year two onward.”
ImplantsCovered from the third year“Implant services become available in year 3”
OrthodontiaNot covered, at any age“Orthodontia services or appliances are excluded”
CleaningsTwo a year“Cleanings 2 times in 12 months.”
Annual maximumAmong the largest on this page“$1,500, $3,000 or $5,000 per person, per calendar year”

See price and availability Read the full schedule

MetLife Complete DPO

NCD, underwritten by Metropolitan Life Insurance Company

Major work in year onePays a share of major work from day one“Major work (Type C) is paid at 10% in year one, 50% in year two and 60% from year three.”
ImplantsCovered, with no separate wait“Implant services are 1 per tooth position in 10 calendar years”
OrthodontiaNot covered, at any age“Orthodontia services or appliances are excluded”
CleaningsThree a year“Examinations 3 times in 1 calendar year and cleanings 3 times in 1 calendar year”
Annual maximumAmong the largest on this page“$10,000 per person, per calendar year”

See price and availability Read the full schedule

Protection Series — Dental, Vision and Hearing Flex, and Dental Flex

Continental Life Insurance Company of Brentwood, Tennessee, an Aetna company

Major work in year onePays a share of major work from day one“Major care is paid from day 1 at 25% on Option 1, 20% on Option 2 and 10% on Option 3”
ImplantsCovered, but only on some of the plan options“The implant benefit is a $2,000 lifetime maximum on Option 1 and a $1,000 lifetime maximum on Option 2. The flyer shows implants as not applicable on Option 3.”
OrthodontiaCovered, but only on some of the plan options“Orthodontics is paid after year 1 at 50%, with a $1,500 lifetime maximum on Option 1 and a $500 lifetime maximum on Option 2. The flyer shows orthodontics as not applicable on Option 3.”
VisionInside the policy, on some of its options“Vision is paid after 6 months at 70% on Option 1 and 50% on Option 2, rising after year 1 to 80% and 70%.”
HearingInside the policy, on some of its options“Hearing is paid after year 1 at 80% on Option 1 and 70% on Option 2, to $500 per year on Option 1 and $250 per year on Option 2.”
Annual maximumAmong the largest on this page“The annual maximum benefit is $1,000 to $5,000 on Option 1, $1,000 to $4,000 on Option 2 and $1,000 to $3,000 on Option 3”
RenewalConditionally renewable“Conditionally renewable.”

Ask us about this one — (424) 295-0627 Read the full schedule

Straight answers

Questions about this tool

Does this tell me what a plan costs?

No, and nothing on this site does. What you pay turns on your age, your state, the plan you choose and the options on it, so any figure printed here would be wrong for almost everyone reading it. Each matching plan carries a link that goes straight to the company, already set to this agency, and prices your own situation in a couple of minutes.

Why is a plan listed as 'documents do not answer this'?

Because the material we hold is silent on it — the Aetna flyer, for instance, gives no cleaning frequency, so that plan cannot answer the cleanings question. Treating silence as a no would be a guess, and a guess is what gets a claim denied.

What is an answer marked as the agency's?

It is an answer we know and the document does not give. Two of the NCD plans list no implant benefit and no implant exclusion; the agency's answer is that only the Complete and Elite designs schedule implants. We publish that, marked as ours rather than as the summary's, and we confirm it with the company in writing before anybody applies. It is a better answer than silence and a worse one than a line in your certificate, and saying which it is matters more than either.

Is this a recommendation?

No. It filters a published list by criteria you chose, and it says so on the page. Which plan suits you also turns on price, on your own dentist and on what is written in your state — none of which this page knows. A licensed agent will go through it with you if you want, and it costs you nothing either way, because commission comes out of the company's filed rate whichever route you take.

Do I have to give you my email to see the result?

No. The result appears as you answer, before anything is asked of you, and nothing you tick is sent to us or to anybody else. If you want to talk it through afterwards there is a form at the bottom of the page, and it is entirely up to you.

What if none of them match?

Then the page says so. We are appointed with more companies than the ones whose documents are published here, and a call is the way to reach those — we do not publish benefit detail for a company whose current material we do not hold.

Want somebody to go through it with you?

Tell us how to reach you and which state you are in. A licensed agent calls back, usually the same business day, and will tell you plainly if the plan you already hold is the better one.

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ECOS Medicare Solutions is not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent may contact you.