No single dental plan is best for everyone. A useful comparison considers where you live, eligibility, the type and timing of treatment, Year-1 benefits, network participation, and missing-tooth rules. Use the filters below — or answer five questions and let the Plan Finder narrow the list for you.
Filter by your situation
6 plans match · Plan details are summaries. Official documents control.
For U.S. citizens and Green Card holders. Compare the immediate-access Delta Dental option with the MetLife plan designed for major treatment 12+ months ahead.
Best general option
Delta Dental · EWA / CorEnroll
Immediate coverage for virtually all dental needs, including implants — with no missing tooth clause.
Higher long-term maximum
MetLife · EWA / CorEnroll
Strong preventive and periodontal coverage from day one, plus a higher $3,000 maximum for major treatment planned 12+ months out.
No U.S. citizenship, Green Card or SSN requirement. The dental plans below have no waiting period on covered services; state eligibility applies, and Guardian options require the primary insured to be age 50+. Dental and vision options are available on the partner platform.
Implants • no citizenship requirement
Delta Dental · Morgan White Group
Immediate implant coverage and comprehensive treatment with no U.S. citizenship, Green Card or SSN requirement.
Major work without implants
Delta Dental · Morgan White Group
Immediate coverage for major procedures — root canals, crowns, extractions, bridges, dentures — with broader PPO + Premier network access.
Strongest option for 50+
Guardian · Morgan White Group
Clients 50+ who want the strongest Guardian Select coverage with implant benefits and no waiting period.
Lighter option for 50+
Guardian · Morgan White Group
Clients 50+ who want preventive, basic, major and implant benefits at a lower premium, with no waiting period.
Ameritas and NCD each offer several dental plans. Choose your exact option on the partner platform, where benefits, price and availability are shown for your location.
Direct Ameritas plan marketplace
Ameritas · plan selected on partner platform
Review available Ameritas dental options, choose a plan and enroll directly on the Ameritas platform.
Maximums, waiting periods, implants and missing-tooth terms depend on the exact plan selected.
NCD by MetLife · PDP Plus network
NCD · MetLife PDP Plus network
Browse NCD dental plans using the MetLife PDP Plus network and enroll on NCD’s secure platform.
Maximums, waiting periods, implants and missing-tooth terms depend on the exact plan selected.
These plan families appear in the same catalog, but not in the exact-benefit comparison or Plan Finder because their terms vary by the option selected. Review the official documents on the partner platform before enrolling.
Side-by-side comparison
Swipe sideways to see all plans →
| Compare | Delta Dental PPO 1500 Delta Dental | MetLife PPO Platinum MetLife | Delta Dental PPO No Wait Delta Dental | Delta Dental PPO Plus Premier Delta Dental | Guardian Achiever 2.0 Guardian | Guardian Core 2.0 Guardian |
|---|---|---|---|---|---|---|
| Availability | All 50 states | All states except AK, ID, LA, ME, MD, MT, NH, NM, OR, SD, WA | AL, CA, DC, DE, FL, GA, NV, PA, TX | AL, CA, DC, DE, FL, GA, NV, PA, TX | All states except AK, MA, MT, NM, NV, SD, VA, WY | All states except AK, MA, MT, NM, NV, SD, VA, WY |
| Eligibility | U.S. citizens & Green Card holders | U.S. citizens & Green Card holders | No citizenship or SSN required | No citizenship or SSN required | No citizenship or SSN required | No citizenship or SSN required |
| Age / household | Any age · incl. family | Any age · incl. family | Any age · incl. family | Any age · incl. family | Age 50+ · individual/couple | Age 50+ · individual/couple |
| Annual maximum | $1,500/ cal. year | $3,000/ cal. year | $2,000/ cal. year | $3,000/ cal. year | $2,500/ 12 mo | $1,250/ 12 mo |
| Premium (sample) | From ~$59/mo | ~$96–133/mo | Varies by state | From ~$55/mo | Varies by state | Varies by state |
| Preventive (In-network) | 100% | 100% | 80–100% | Up to 100% | 100% | 100% |
| Basic (In-network) | 80% | 80% | 50–80% | Up to 80% | 80% * | 50% * |
| Major (In-network) | 50% | 50% * | 50% | 50% * | 50% | 50% |
| Waiting period | None | 12 months on major services | None | None | None | None |
| Implants | Included | Included | Included | Not covered | Included· $1,250 lifetime | Included· $1,000 lifetime |
| Missing tooth rule | No missing tooth clause | No missing tooth clause | Missing tooth clause applies (California exempt) | Missing tooth clause applies (California exempt) | Missing tooth provision applies | Missing tooth provision applies |
| Network | Delta Dental PPO | MetLife PDP Plus (PPO) | Delta Dental PPO | Delta Dental PPO + Premier | Guardian PPO (out-of-network benefits vary by state) | Guardian PPO (out-of-network benefits vary by state) |
| Deductible | See plan documents | Low deductible — see plan summary | $100 per person per year | $100 per person per year | $50 (waived for in-network preventive services) | $50 (waived for in-network preventive services) |
| Enrollment fee | Association membership: $5/month (Elevate Wellness Association). | Association membership: $5/month (Elevate Wellness Association). | $35 one-time enrollment fee (non-refundable) | $35 one-time enrollment fee (non-refundable) | $35 one-time enrollment fee (non-refundable) | $35 one-time enrollment fee (non-refundable) |
| Best for | Best general option | Higher long-term maximum | Implants • no citizenship requirement | Major work without implants | Strongest option for 50+ | Lighter option for 50+ |
* See the plan page for conditions attached to this value. Plan details are summaries. Official documents control.
The Plan Finder filters out ineligible plans automatically and explains why the rest may fit.
