Federal Marketplace/Exchange

2025 Michigan Dental Plans

Here are the plans available through the Federal Health Insurance Marketplace in your state

Looking for 2021 Plans?

Michigan Dental Plan Comparison

We have several dental options for you and your family.
If you see a plan you like, you can then head to the Federal Marketplace to enroll.
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PREMIER PPO HIGH PLAN PREMIER PPO LOW PLAN ADVANTAGE PPO PLAN ADVANTAGE COPAY PLAN
Premier Network Out of Network Premier Network Out of Network Advantage Plus Network Out of Network Advantage Network Out of Network
Services
Preventive 100% 100% up to MAC* 100% 80% up to MAC* 100% 100% up to MAC* 100% See CoPay Schedule
Basic 80% 80% up to MAC* 60% 50% up to MAC* 50% 50% up to MAC* See CoPay Schedule
Major 50% 50% up to MAC* 40% 30% up to MAC* 25% 25% up to MAC*
Orthodontics
(Children age 7 through 18)
 50% 50% Discount Only Not Covered Discount Only Not Covered Discount Only Not Covered
Orthodontics
(Adults)
 Discount Only Not Covered Discount Only Not Covered Discount Only Not Covered Discount Only Not Covered
Waiting Periods
Preventive None None None None
Basic (age 19 and older) 6 Month Waiting Period 6 Month Waiting Period 6 Month Waiting Period 6 Month Waiting Period
Major (age 19 and older) 15 Month Waiting Period 18 Month Waiting Period 12 Month Waiting Period 12 Month Waiting Period
Orthodontics 24 Month Waiting Period† Not Applicable Not Applicable Not Applicable
Deductible (applies to Preventive, Basic and Major)
Individual $25 $100 $100 $50
Family Max $75 $300 $300 $150
Maximums
Major Annual Max $750 $500 $500 No Maximum
Annual Max per Person $1,000 $1,000 $1,000 No Maximum
Orthodontic Lifetime Max $1,000 Not Applicable Not Applicable Not Applicable
Pediatric EHB Annual Max No Maximum No Maximum No Maximum No Maximum
Petriatric Individual EHB Out-of-Pocket Max $425 $425 $425 $425
Pediatric Family EHB Out-of-Pocket Max $850 $850 $850 $850
View Plan Details See Plan Details See Plan Details See Plan Details See Plan Details

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 EMI Health 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 & Health, Inc.

†24 month waiting period does not apply to medically necessary orthodontics.

These EMI Health dental plans have been reviewed and approved by the Michigan Insurance Department. They meet all Federal regulations, fulfilling the requirements of the Affordable Care Act for individuals. General Policy Provisions