Illinois Advantage Copay for 2025
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What is the Advantage Copay Dental Insurance Plan?
The Companion EMI Health Advantage Copay Dental Insurance Plan is, as the name suggests, a copay plan. This means you have a fixed copay cost for covered dental services and procedures. You can know exactly how much a service or procedure will cost before you visit the dentist with the copay schedule.
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Language Assistance
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).
| Plan Summary | Advantage Network | Out-of-Network |
| Services | ||
|
Preventive
Oral Exams, Cleanings, Sealants, X-rays, Fluoride
|
100% | See Co-Pay Schedule |
|
Basic
Fillings, Space Maintainers
|
See Co-Pay Schedule | |
|
Major
Crowns, Bridges, Prosthodontics, Endodontics, Periodontics
|
||
|
Orthodontics (up to age 19*)
(Medically Necessary) |
50% | 50% |
|
Orthodontics (up to age 19*)
(Non-Medically Necessary) |
Discount Only | Not Covered |
| Waiting Periods | ||
| Preventive | None | |
| Basic (age 19 and older) | 6 Month Waiting Period | |
| Major (age 19 and older) | 12 Month Waiting Period | |
|
Orthodontics
(Medically Necessary) |
None | |
|
Orthodontics
(Non-Medically Necessary) |
Not Applicable | |
| Deductible (applies To Preventive, Basic and Major) | ||
| Individual | $50.00 | |
| Family Max | $150.00 | |
| Maximums | ||
| Major Annual Max | No Maximum | |
| Annual Max per Person | No Maximum | |
|
Orthodontic Lifetime Max
(Medically Necessary) |
Not Maximum | |
|
Orthodontic Lifetime Max
(Non-Medically Necessary) |
Not Applicable | |
| Pediatric EHB Annual Max | No Maximum | |
| Pediatric Individual EHB Out-of-Pocket Max | $425 | |
| Pediatric Family EHB Out-of-Pocket Max | $850 | |
Benefits illustrated are in summary only. Refer to your Dental Insurance Policy for a complete description of benefits, limitations and exclusions.
All Services are subject to EMI Health Maximum Allowable Charge. When using a Non-participating Provider, the insured is responsible for all fees in excess of the Maximum Allowable Charge. Co-Pays/Claim Payments are subject to change January 1st of each year. Underwritten by Companion Life Insurance Company.
*Through the last day of the month in which the Insured turns 19 years of age