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If you’re a Michigander in need of dental insurance, this article will:
A 2023 review of 29 Michigan dental plans (offered by eight different brand name dental insurers) found a wide range of costs and benefits covered. The average premium among the offerings in the study was $46.49. The least expensive option for a 33 year-old applicant in Saginaw 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 an Indemnity dental plan. 27 of the 28 remaining plans were PPOs, with the least expensive charging a premium of $18.53 a month (Ameritas' Hollywood Smile Premier 1500) and the most expensive charging $87.99 a month (Humana Extend 5000). 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. Indemnity coverage is a fee-for-service dental plan where the insurance company reimburses an enrollee for a portion of covered dental expenses according to a customary rate.
Several plans covered annual teeth cleanings with no out-of-pocket costs for this service within the very first year of enrollment. These plans included:
PPO and indemnity plans have an annual limit on the amount the insurance company will pay for enrollee dental care. This limit is known as the "maximum benefit." When comparing the 25 Michigan PPO and indemnity plans belonging to our 2022 review, the average maximum benefit during the first year of enrollment was $2.088, a 31 percent increase from last year’s average of $1,588. Two plans tied for the most generous maximum benefit. Both the Humana Extend 5000 and the NCD Nationwide 5000 Plan PPO had a $5,000 annual cap. Two plans were tied for the lowest limit ($500): Guardian Direct Advantage Starter PPO and Guardian Direct Advantage Core PPO. Some plans in the study increased their maximum benefits in the second and third year of continuous enrollment.
To compare dental insurance premiums in your region of Michigan, visit our home page. If you want to see which Michigan plans are most popular on DentalInsurance.com, see the below section.
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 dentists 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)