A 2022 review of 26 Michigan dental plans (offered by seven different brand name dental insurers) found a wide range of costs and benefits covered. The least expensive option for a 28 year-old applicant in Ann Arbor was the Careington discount dental program known as the “500 Series Dental Savings.” This plan, in contrast to traditional insurance, offered members-only price reductions ranging from 20 percent to 60 percent within the network of dentists associated with the plan. The monthly cost for this option was $8.95 and there was no annual limit on the amount of dental services used or the total amount of savings. The rest of the plans reviewed were more traditional Preferred Provider Organizations (PPO dental plans) and Indemnity dental plans. 24 of the 25 remaining plans were PPOs, with the least expensive charging a premium of $17.58 a month (MetLife TakeAlong Dental Low PPO) and the most expensive charging $82.00 a month (NCD Nationwide 5000 Plan). At $88.15 a month, the one indemnity dental plan reviewed (Nationwide Classic 2000 + VSP Premium) was more expensive than the most expensive PPO option. However, this particular indemnity plan combined dental coverage with vision benefits. Indemnity coverage is a fee-for-service dental plan here the insurance company reimburses an enrollee for a portion of covered dental expenses.
Several plans covered annual teeth cleanings with no out-of-pocket costs for this service within the very first year of enrollment. These plans were:
PPO and indemnity plans have an annual limit on how much the insurance company will pay for enrollee dental care. This limit is known as the "maximum benefit." When comparing the 25 PPO and indemnity plans belonging to our 2022 review, the average maximum benefit during the first year of enrollment was $1,588. The highest was $5,000 for the NCD Nationwide 5000 Plan PPO. Two plans were tied for the lowest limit ($500): Guardian Direct Advantage Starter PPO and Guardian Direct Advantage Core PPO. Some plans increased the maximum benefit in the second and third year of continuous enrollment.
To compare dental insurance premiums in Michigan state for your profile, visit our home page.
No waiting periods. $1500 plan maximum. 100% preventive coverage on day one.
Plan type: PPO
Plan Maximum: $1500
100% preventive coverage on day one. $2000 plan maximum. No waiting periods.
Plan type: PPO
Plan Maximum: $2000
No Waiting Periods for Preventive and Basic services
Plan type: Indemnity
Plan Maximum: $1500
The MDA has over 5,900 members comprised of dentist and dental students.
SmileMichigan is a website that provides free oral health education and resources to residents of Michigan.
This webpage maintained by the Michigan Dental Association lists no-charge as well as reduced fee dental programs throughout the state.
Si quaeris peninsulam amoenam circumspice (If you seek a pleasant peninsula, look about you)
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