What is the Advantage PPO Low Plan?
EMI Health's Advantage 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.
Search Advantage network providers using our Provider Search.
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If you, or someone you’re helping, has questions about the EMI Health Policy, you have the right to get help and information in your language at no cost. To talk to an interpreter, call 800-662-5851 (TTY: 1-888-236-4823).
| Children age up to 19** | Adults 19+ | |||
| Plan Summary | Advantage Plus Network | Out-of-Network | Advantage Plus Network | Out-of-Network |
| Services | ||||
|
Preventive
Oral Exams, Cleanings, Sealants, X-rays, Fluoride
|
100% | 100% up to MAC* | 100% | 100% up to MAC* |
|
Basic
Fillings, Space Maintainers, Oral Surgery
|
50% | 50% up to MAC* | 50% | 50% up to MAC* |
|
Major
Crowns, Bridges, Prosthodontics, Endodontics, Periodontics
|
25% | 25% up to MAC* | Not Covered | Not Covered |
|
Orthodontics
(Medically Necessary / Non-Medically Necessary)
|
50% / Not Covered | 50% / Not Covered | Not Covered | Not Covered |
| Waiting Periods | ||||
| Preventive | None | |||
| Basic (age 19 and older) | 6 Month Waiting Period | |||
| Major | None | |||
|
Orthodontics
(Medically Necessary / Non-Medically Necessary)
|
None / Not Applicable | |||
| Deductible (applies to Preventive, Basic and Major) | ||||
| Individual | $75 | |||
| Family Max | $225 | |||
| Maximums | ||||
| Major Annual Max (age 19 and older) | No Maximum | |||
| Annual Max per Person (age 19 and older) | $1,000 | |||
|
Orthodontic Lifetime Max
(Medically Necessary / Non-Medically Necessary)
|
No Maximum / Not Applicable | |||
| Pediatric EHB Annual Max | No Maximum | Not Applicable | ||
| Pediatric Individual EHB Out-of-Pocket Max | $425 | Not Applicable | ||
| Pediatric Family EHB Out-of-Pocket Max | $850 | Not Applicable | ||
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