Individual & Family Dental & Vision Plans

Waiting Periods: Many dental plans have waiting periods on basic and major services, which can vary by state. All or part of a waiting period may be satisfied for members covered on an EMI Individual Dental plan as long as the prior coverage is without a significant break in coverage of 90 consecutive days or more. For new members with plans other than EMI Health, up to 12 months of credit (based on the number of months covered on the prior plan) may apply. As of 10/01/2024, individuals with direct plans (plans obtained directly from EMI) can submit documentation of prior insurance coverage for review and potential credit toward their waiting periods. Proof of coverage and coverage dates may be satisfied with a letter from the prior carrier, a creditable coverage letter, or a group bill.

*EMI HEALTH DENTAL, VISION, AND TELEMED INSURANCE PLANS ARE NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE POLICIES AND DO NOT PROVIDE THE MINIMUM ESSENTIAL COVERAGE REQUIRED UNDER THE AFFORDABLE CARE ACT OF 2010 (ACA).

¹ Sample monthly rates are based on a single person per month and represent the national average rates for each EMI Health plan (all ages and geographic locations) and reflect rates as of March 2024. Premiums vary by geographic area. Costs vary by state and plan type selected. Some plans may not be available in all states.

² You may pay more for out-of-network charges if the dentist’s charges exceed the amount EMI Health reimburses for billed services.

³ Deductibles vary by plan and services. Please refer to the policy to understand the specific deductible and service details.

⁴ Not all preventive services are covered, including athletic mouth guards. Refer to the policy for a complete list of covered and non-covered preventive services. Frequency limitations apply.

⁵ Savings based on EMI Health Internal Effective Discount Reporting measured against the Fair Health mean.

⁶ Guaranteed approval is subject to meeting eligibility requirements. Enrollment is not guaranteed for all applicants. Availability and terms may vary by state. Please review your plan details for complete eligibility criteria. No enrollment fees apply for eligible plans.

⁷ The downloading and use of the EMI Health Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.

⁸ Brokers appointed by EMI Health are independent, licensed professionals who are not employees of EMI Health. They are licensed in the states they represent, and we have verified their licensing. However, EMI Health is not responsible for the brokers’ recommendations or practices beyond our control. Please ensure you fully understand the terms of any recommendations or services provided by a broker before making decisions.

EMI Health products are those identified as having been issued or underwritten by Educators Mutual Insurance Association or a named EMI Health owned subsidiary. EMI Health plans are underwritten and issued by Educators Mutual Insurance Association or a named EMI Health owned subsidiary. Products are not available in all states. Policy limitations and exclusions apply. Waiting periods and deductibles vary by state, and by plan type. Coverage begins on the first of the month following enrollment. In the event of a conflict between this document and the language stated in your EMI Health insurance policy, the language of the policy shall control. Dental provider networks vary by state, by market, and by plan type.