What is the Advantage PPO Dental Insurance Plan?
The Companion Life EMI Health Advantage PPO Dental Insurance 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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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).
| Children age up to 19** | Adults age 19 and older | |||
| Plan Summary | Dentemax Network | Out-of-Network | Dentemax Network | Out-of-Network |
| Services | ||||
|
Preventive
Oral Exams, Cleanings, X-rays, Fluoride, Sealants, Space Maintainers
|
100% | 100% up to MAC* | 100% | 100% up to MAC* |
|
Basic
Fillings
|
50% after deductible | 50% after deductible up to MAC* | 50% after deductible | 50% after deductible up to MAC* |
|
Major
Crowns, Bridges, Prosthodontics
|
50% after deductible | 50% after deductible up to MAC* | Not Covered | Not Covered |
|
Orthodontics
Medically Necessary Orthodontics Only
|
50% | 50% | Not Covered | Not Covered |
| Waiting Periods | ||||
| Preventive | None | |||
| Basic (age 19 and older) | 6 Month Waiting Period | |||
| Major | None | |||
|
Orthodontics
|
None | |||
| Deductible | ||||
| Individual | $75.00 | |||
| Family Max | $225.00 | |||
| Deductible Applies To | Type 2 & Type 3 | |||
| Maximums | ||||
| Annual Max per Person (age 19 and older) | $1,000 | |||
|
Orthodontic Lifetime Max
|
No Maximum | |||
| 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 (MAC). When using a Non-participating Provider, the insured is responsible for all fees in excess of the Maximum Allowable Charge (MAC). Underwritten by Companion Life Insurance Company.
**Through the last day of the month in which the Insured turns 19 years of age