Michigan Dental Insurance for 2026

What is the cost of Michigan dental insurance?

2026 continues the trend for competitive dental options in The Wolverine State. This year’s review of 25 Michigan dental plans (offered by eight different brand-name insurance companies) found a wide range of costs and benefits covered. The average premium among the offerings in the study was $52.64. The least expensive option for our hypothetical 31 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 $12.95 and there was no annual limit on the amount of dental services used or the total amount of savings.

The next least expensive option was the Guardian Advantage Starter 2.0 (PPO) with a premium quote of $26.35 for our applicant profile.

How much will Michigan dental insurance pay for each year?

For those dental plans with a maximum benefit, the highest limit on insurance company payments toward covered dental services in a year of plan coverage was $10,000 (NCD Complete by MetLife) and the lowest was $1,000 (Guardian Advantage Starter 2.0 PPO and Guardian Advantage Core 2.0 PPO).

Below is the list of Michigan dental insurance plans reviewed for this article.

• Ameritas Hollywood Smile Advantage PPO
• Ameritas Hollywood Smile Elite PPO
• Ameritas Dallas Smile Plus PPO
• Cigna Dental 1500 PPO
• Cigna Dental Vision Hearing 3500 PPO
• Guardian Advantage Starter 2.0 PPO
• Guardian Advantage Core 2.0 PPO
• Guardian Advantage Achiever 2.0 PPO
• Guardian Advantage Diamond 2.0 PPO
• Guardian Advantage Premier 2.0 PPO
• Guardian + VSP Dental Vision 1500 PPO
• Humana Bright Plus PPO
• Humana Loyalty Plus PPO
• Humana Extend 2500 PPO + vision
• Humana Extend 5000 PPO + vision
• MetLife TakeAlong Dental Medium PPO
• MetLife TakeAlong Dental High PPO
• Renaissance Dental Plan II PPO
• Renaissance Dental Plan III PPO
• Renaissance Dental Max Choice PPO
• Renaissance Dental Max Choice Plus PPO
• NCD Essentials by MetLife PPO
• NCD Elite 3000 by MetLife PPO
• NCD Elite 5000 by MetLife PPO
• NCD Complete by MetLife PPO

What are the annual payment limits on covered dental care?

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 $2.087.50, a 31 percent increase from last year’s average of $1,588. The highest maximum benefit was $10,000 annually from NCD Complete by MetLife. Two plans tied for the second 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 Advantage Starter 2.0 PPO and Guardian Advantage Core 2.0 PPO. Some plans in the study increased their maximum benefits in the second and third year of continuous enrollment.

Deductibles ranged from $0 on the the discount dental card (Careington 500 Series Dental Savings) to a one-time $150 deductible for the PPO plan (Humana Loyalty Plus). The average deductible across the 29 plans reviewed was $64.66.

Finding Dental Plans in Your Area of Michigan

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.

Chart of Michigan Dental Plan Market Trends