Florida Dental & Vision Insurance Plans for Individuals & Families

Find flexible coverage that fits your needs and budget. EMI Health offers multiple dental and vision plans for Utah individuals and families—with no waiting periods on preventive care, low monthly premiums, and large provider networks.

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Dental Plans

Premier PPO High

This plan is the richest benefit, for an affordable monthly cost. Coverage is through the expansive Premier network and includes an out-of-network benefit. Includes 100% coverage on in-network preventive care with no waiting periods. Plan includes 50% coverage for orthodontia and a high annual maximum.

$54.40/mo

Subscriber

$102.00/mo

Subscriber + 1

$134.30/mo

Subscriber + 2

$166.60/mo

Subscriber + 3

$227.80/mo

Subscriber + 4 or more

	Premier Network	Out of Network
Services
Preventive	100%	100% up to MAC*
Basic	80%	80% up to MAC*
Major	50%	50% up to MAC*
Orthodontics (Children age 7 through 18)	50%	50%
Orthodontic Discount (All members)	Discount Only	No Coverage
Waiting Periods
Preventive	None
Basic	6 Month Waiting Period
Major	15 Month Waiting Period
Orthodontics	24 Month Waiting Period
Deductible (applies to Preventive, Basic, and Major services)
Individual	$25
Family Max	$75
Maximums
Major Annual Max	$750
Annual Max per Person	$1,500
Orthodontic Lifetime Max	$1,000
Monthly Rates
Subscriber	$54.40
Subscriber + 1	$102.00
Subscriber + 2	$134.30
Subscriber + 3	$166.60
Subscriber + 4 or more	$227.80
*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). Benefits illustrated are in summary only. Refer to your Dental Policy for a complete description of benefits, limitations and exclusions. Underwritten by Educators Health Plans Life, Accident & Health.

Premier PPO Low

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Similar coverage to the Premier PPO High plan, with a lower monthly payment. Coverage is through the expansive Premier network and includes an out-of-network benefit. Includes 100% coverage on in-network preventive care with no waiting periods. Plan includes a discount on in-network orthodontic care for all covered dependents.

$35.00/mo

Subscriber

$65.80/mo

Subscriber + 1

$86.80/mo

Subscriber + 2

$107.80/mo

Subscriber + 3

$145.60/mo

Subscriber + 4 or more

	Premier Network	Out of Network
Services
Preventive	100%	80% up to MAC*
Basic	60%	50% up to MAC*
Major	50%	40% up to MAC*
Orthodontics	Discount Only	Not Covered
Waiting Periods
Preventive	None
Basic	6 Month Waiting Period
Major	18 Month Waiting Period
Orthodontics	Not Applicable
Deductible (applies to Preventive, Basic, and Major services)
Individual	$50
Family Max	$150
Maximums
Major Annual Max	$500
Annual Max per Person	$1,000
Orthodontic Lifetime Max	Not Applicable
Monthly Rates
Subscriber	$35.00
Subscriber + 1	$65.80
Subscriber + 2	$86.80
Subscriber + 3	$107.80
Subscriber + 4 or more	$145.60
*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). Benefits illustrated are in summary only. Refer to your Dental Policy for a complete description of benefits, limitations and exclusions. Underwritten by Educators Health Plans Life, Accident & Health.

Advantage Co-Pay

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The Advantage Co-Pay dental plan gives you peace of mind knowing what your out-of-pocket expense will be before going to any in-network provider. The plan uses a set copay fee schedule for services, and you get 100% coverage on in-network preventive care. Includes a discount on in-network orthodontic care.
Plan Copayment Schedule (PDF)

$28.50/mo

Subscriber

$52.50/mo

Subscriber + 1

$69.00/mo

Subscriber + 2

$87.00/mo

Subscriber + 3

$121.50/mo

Subscriber + 4 or more

	Advantage Network	Out of Network
Services
Preventive	100%	See Co-Pay Schedule
Basic	See Co-Pay Schedule
Major	See Co-Pay Schedule
Orthodontics	Discount Only	No Coverage
Specialist	20% Discount Only (Pediatric - See Co-Pay Schedule)	No Coverage
Waiting Periods
Preventive	None
Basic	6 Month Waiting Period
Major	12 Month Waiting Period
Orthodontics	Not Applicable
Deductible (applies to Preventive, Basic, and Major services)
Individual	$25
Family Max	$75
Maximums
Major Annual Max	No Maximum
Annual Max per Person	No Maximum
Orthodontic Lifetime Max	Not Applicable
Monthly Rates
Subscriber	$28.50
Subscriber + 1	$52.50
Subscriber + 2	$69.00
Subscriber + 3	$87.00
Subscriber + 4 or more	$121.50
*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). Benefits illustrated are in summary only. Refer to your Dental Policy for a complete description of benefits, limitations and exclusions. Co-Pays/Claim Payments are subject to change January 1st of each year. Underwritten by Educators Health Plans Life, Accident & Health.

Advantage PPO

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Save on your monthly cost with the smaller Advantage network. Includes out-of-network benefit options. Includes 100% coverage on in-network preventive care with no waiting periods. Plan includes a discount on in-network orthodontic care for all covered dependents.

$24.50/mo

Subscriber

$46.10/mo

Subscriber + 1

$60.80/mo

Subscriber + 2

$75.50/mo

Subscriber + 3

$101.90/mo

Subscriber + 4 or more

	Advantage Network	Out of Network
Services
Preventive	100%	100% up to MAC*
Basic	50%	50% up to MAC*
Major	25%	25% up to MAC*
Orthodontics	Discount Only	Not Covered
Waiting Periods
Preventive	None
Basic	6 Month Waiting Period
Major	12 Month Waiting Period
Orthodontics	Not Applicable
Deductible (applies to Preventive, Basic, and Major services)
Individual	$100
Family Max	$300
Maximums
Major Annual Max	$500
Annual Max per Person	$1,000
Orthodontic Lifetime Max	Not Applicable
Monthly Rates
Subscriber	$24.50
Subscriber + 1	$46.10
Subscriber + 2	$60.80
Subscriber + 3	$75.50
Subscriber + 4 or more	$101.90
*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). Benefits illustrated are in summary only. Refer to your Dental Policy for a complete description of benefits, limitations and exclusions. Underwritten by Educators Health Plans Life, Accident & Health.

Vision Plans

VSP Plus 10-160

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Get affordability and flexibility, with a rich in-network benefit that allows you to choose from more than 50,000 VSP providers across the nation, as well as an out-of-network benefit. The plan includes a $160 allowance for frames or for permanent and disposable contact lenses in lieu of frames and lenses.

$12.70/mo

Subscriber

$24.80/mo

Subscriber + 1

$39.30/mo

Subscriber + 2 or more

	VSP PLUS 10-160
	In-Network	Out-of-Network
Network	VSP Choice Plus
Well Vision Exam	$10 Co-pay	Up to $65
Lenses (Glass or Plastic)
Single Vision	$10 Co-pay	Up to $30
Lined Bifocal		Up to $50
Lined Trifocal		Up to $65
Lenticular		Up to $100
Lens Options
Progressive (Standard no-line)	$0 Co-pay	Up to $50 (in lieu of Lined Bifocal reimbursement)
Premium progressive options	$95-$105 Co-pay
Custom progressive options	$150-$175 Co-pay
Plastic gradient dye	$17 Co-pay	N/A
Solid plastic dye	$15 Co-pay
Photochromic lenses	$70 SV/$82 Multi
Polycarbonate for adults	$31 SV/$35 Multi
Polycarbonate for child (under 18)	$0 Co-pay
Coatings
Scratch resistant	$17 Co-pay	N/A
Anti-reflective	$41 Co-pay
UV protection	$16 Co-pay
Additional lens enhancements	Up to 25% Discount
Frames
Allowance Based on Retail Pricing	$160 Allowance at any VSP doctor or $90 at Costco, Sam's Club or Walmart	Up to $80
** Additional pairs	Discount only. Up to 20% off Retail	N/A
Elective Contact Lenses In Lieu of Frame & Lenses
Elective contact lens fitting, evaluation services and prescription contact lenses are covered up to plan allowance. 15% discount given off contact lens fitting and evaluation services, excluding materials.	$160 Allowance	Up to $145
Frequency
Exam, Lenses, Frame or Contacts	Every 12 Months
Refractive Surgery
*** LASIK	Up to $500 in Savings	No Coverage
Monthly Rates
Subscriber	$12.70
Subscriber + 1	$24.80
Subscriber + 2 or more	$39.30
Plans are underwritten by Educators Health Plans Life, Accident, and Health. This is a summary of in-network plan benefits. The actual Policy will detail all plan limitat ions and exclusions. 20%discount off unlimited additional pairs of glasses offered through any VSP Choice Providers within 12 months of last covered eye exam. * Discounts average 15-20% off or 5% off a promotional offer for laser surgery, including PRK LASIK, Custom LASIK, and lntraLase3.

VSP Plus 10-130

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This plan is similar to the VSP Plus 10-160 plan, with full access to the VSP provider network, but has a lower monthly rate and includes a $130 allowance for frames or for permanent and disposable contact lenses in lieu of frames and lenses.

$9.00/mo

Subscriber

$17.40/mo

Subscriber + 1

$27.80/mo

Subscriber + 2 or more

	VSP PLUS 10-130
	In-Network	Out-of-Network
Network	VSP Choice Plus
Well Vision Exam	$10 Co-pay	Up to $65
Lenses (Glass or Plastic)
Single Vision	$10 Co-pay	Up to $30
Lined Bifocal		Up to $50
Lined Trifocal		Up to $65
Lenticular		Up to $100
Lens Options
Progressive (Standard no-line)	$0 Co-pay	Up to $50 (in lieu of Lined Bifocal reimbursement)
Premium progressive options	$95-$105 Co-pay
Custom progressive options	$150-$175 Co-pay
Plastic gradient dye	$17 Co-pay	N/A
Solid plastic dye	$15 Co-pay
Photochromic lenses	$70 SV/$82 Multi
Polycarbonate for adults	$31 SV/$35 Multi
Polycarbonate for child (under 18)	$0 Co-pay
Coatings
Scratch resistant	$17 Co-pay	N/A
Anti-reflective	$41 Co-pay
UV protection	$16 Co-pay
Additional lens enhancements	Up to 25% Discount
Frames
Allowance Based on Retail Pricing	$130 Allowance at any VSP doctor or $70 at Costco, Sam's Club or Walmart	Up to $80
** Additional pairs	Discount only. Up to 20% off Retail	N/A
Elective Contact Lenses In Lieu of Frame & Lenses
Elective contact lens fitting, evaluation services and prescription contact lenses are covered up to plan allowance. 15% discount given off contact lens fitting and evaluation services, excluding materials.	$130 Allowance	Up to $115
Frequency
Exam, Lenses, Frame or Contacts	Every 12 Months
Refractive Surgery
*** LASIK	Up to $500 in Savings	No Coverage
Monthly Rates
Subscriber	$9.00
Subscriber + 1	$17.40
Subscriber + 2 or more	$27.80
Plans are underwritten by Educators Health Plans Life, Accident, and Health. This is a summary of in-network plan benefits. The actual Policy will detail all plan limitat ions and exclusions. 20%discount off unlimited additional pairs of glasses offered through any VSP Choice Providers within 12 months of last covered eye exam. * Discounts average 15-20% off or 5% off a promotional offer for laser surgery, including PRK LASIK, Custom LASIK, and lntraLase3.

Telemed

EMI TeleMed

Save time and money by getting quick, easy access to board-certified doctors over the phone anytime, anywhere. Through our partner WellVia, you can get unlimited 24/7/365 virtual consultations on common, non-emergency illnesses. You can even get common prescriptions sent to your local pharmacy!

More TeleMed Info (PDF)

$7.50/mo

Subscriber + any dependents