Federal Marketplace/Exchange

2025 Illinois Dental Insurance Plans

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

Illinois Dental Insurance Plan Comparison

We have several dental options for you and your family.
If you see a plan you like, please go to the Federal Marketplace to enroll.
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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).
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 (Up to age 19**)
(Medically Necessary)
 50% 50% 50% 50% 50% 50% 50% 50%
Orthodontics (Up to age 19**)
(Non-Medically Necessary)
 50% 50% Discount Only Not Covered Discount Only Not Covered Discount Only Not Covered
Waiting Periods
Preventive None None None None
Basic 6 Month Waiting Period 6 Month Waiting Period 6 Month Waiting Period 6 Month Waiting Period
Major 15 Month Waiting Period 18 Month Waiting Period 12 Month Waiting Period 12 Month Waiting Period
Orthodontics
(Medically Necessary / Non-Medically Necessary)
 None / 24 Month Waiting Period None / Not Applicable None / Not Applicable None / Not Applicable
Deductible (applies to Preventive, Basic and Major)
Individual $25 $100 $100 $50
Family Max $75 $300 $300 $150
Maximums
Major Annual Max (age 19 and older) $750 $500 $500 No Maximum
Annual Max per Person (age 19 and older) $1,000 $1,000 $1,000 No Maximum
Orthodontic Lifetime Max
(Medically Necessary / Non-Medically Necessary)
 No Maximum / $1,000 No Maximum / Not Applicable No Maximum / Not Applicable No Maximum / Not Applicable
Pediatric EHB Annual Max No Maximum No Maximum No Maximum No Maximum
Pediatric Individual EHB Out-of-Pocket Max
(up to age 19**)
 $425 $425 $425 $425
Pediatric Family EHB Out-of-Pocket Max
(up to age 19**)
 $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 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

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