What is the Premier PPO Low Plan?
EMI Health's Premier PPO Low Plan is a coinsurance plan, which means we share your costs for covered dental services and procedures. Once you've met your deductible, we'll pay a percentage of your bill.
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| Plan Summary | Premier Network | Out-of-Network | |
| Services | |||
|
Preventive
Oral Exams, Cleanings, Sealants, X-rays, Fluoride
|
100% | 80% up to MAC* | |
|
Basic
Fillings, Space Maintainers, Oral Surgery
|
60% | 50% up to MAC* | |
|
Major
Crowns, Bridges, Prosthodontics, Endodontics, Periodontics
|
50% | 30% up to MAC* | |
|
Orthodontics (Up to age 19**)
(Medically Necessary / Non-Medically Necessary)
|
50% / Not Covered | 50% / Not Covered | |
| Waiting Periods | |||
| Preventive | None | ||
| Basic (age 19 and older) | 6 Month Waiting Period | ||
| Major (age 19 and older) | 18 Month Waiting Period | ||
|
Orthodontics
(Medically Necessary / Non-Medically Necessary)
|
None / Not Applicable | ||
| Deductible (applies to Preventive, Basic and Major) | |||
| Individual | $100 | ||
| Family Max | $300 | ||
| Maximums | |||
| Major Annual Max (age 19 and older) | $500 | ||
| Annual Max per Person (age 19 and older) | $1,500 | $1,000 | |
|
Orthodontic Lifetime Max
(Medically Necessary / Non-Medically Necessary)
|
No Maximum / Not Applicable | ||
| Pediatric EHB Annual Max | No Maximum | ||
| Pediatric Individual EHB Out-of-Pocket Max | $375 | ||
| Pediatric Family EHB Out-of-Pocket Max | $750 | ||
Benefits illustrated are in summary only. Refer to your Dental Policy for a complete description of benefits, limitations and exclusions.
*All Services are subject to Maximum Allowable Charge (MAC). When using a Non-participating Provider, the insured is responsible for all fees in excess of the Maximum Allowable Charge (MAC). Underwritten by Educators Health Plans Life, Accident, and Health, Inc.
**Through the last day of the month in which the Insured turns 19 years of age