2024 Michigan Dental Plans
Here are the plans available through the Federal Health Insurance Marketplace in your state
Michigan Dental Plan Comparison
| PREMIER PPO HIGH | PREMIER PPO LOW | ADVANTAGE PPO | ADVANTAGE COPAY | |||||
| 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 | $375 | $375 | $375 | $375 | ||||
| Pediatric Family EHB Out-of-Pocket Max | $750 | $750 | $750 | $750 | ||||
| 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