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Best Dental Insurance Plans in Michigan: Comparison and Review

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dental insurance plans michigan
Find the best dental insurance plans in Michigan

Are you looking for the best dental insurance in Michigan? Because there are so many dental insurance carriers in Michigan, finding the perfect plan for you might take some time. However, having the correct dental insurance may drastically reduce your out-of-pocket expenses when you need dental treatment, so it's well worth the effort to thoroughly investigate your options.

In this post, we'll go through the many dental plans available in Michigan, including:

  • Individual dental insurance
  • Dental insurance for seniors
  • Dental and vision insurance
  • Dental insurance with no waiting period

We hope that this information will assist you in selecting the best dental insurance plans in Michigan for your unique needs.

Living in a different state? See our nationwide dental insurance guide for more information.

Types of dental insurance plans available in Michigan

Individual dental insurance Michigan

The primary difference between individual dental insurance and employer-sponsored dental insurance is how they are financed. They both do the same thing and have comparable features and advantages.

Difference between DHMO, PPO, and dental discount plans

DHMO: A DHMO plan often requires you to choose one primary care dentist from a narrow network who will oversee your whole treatment. This sort of dental insurance generally has the lowest rates and usually offers preventative treatment at no extra cost.

PPO: Dental PPOs make up the vast majority of dental insurance policies. They're quite popular because they provide a huge amount of flexibility. A PPO plan often has higher premiums and deductibles, but you may also be eligible for extra benefits, including savings on braces, dental implants, and cosmetic treatment.

best dental insurance in michigan
What is the best dental insurance in Michigan?

Dental discount plans: Dental savings plans are not the same as dental insurance plans. This is primarily because it's a program where you pay a membership fee and then get a discount card that allows you to save money on dental procedures.

Supplemental dental insurance

Supplemental dental insurance may be acquired to complement a policyholder's existing dental coverage. If the main insurance plan's annual spending limit is reached or if the coverage does not cover important or recommended dental procedures, it may cover the gap.

If you're looking for supplemental dental insurance in Michigan, consider BlueCross BlueShield, Delta Dental, or Guardian Direct. However, there may be other alternatives.

Combining insurance policies

Some health care providers now provide dental and vision insurance to enable customers to buy all of their insurance in one location. More popular combinations are medical and dental or health and dental insurance. If you need both, this might be a wonderful way to save money on your insurance payments.

If you're searching for dental and vision insurance in Michigan, you may want to look into BlueCross BlueShield, Delta Dental, or HAP dental insurance.

Dental insurance for seniors in Michigan

Seniors' dental insurance is similar to that of younger people, with the exception that it focuses on the services that seniors are more likely to require. Root canals, dentures, crowns, and tooth replacements are among the services provided. These treatments are not exclusive to seniors, but they are more likely to be needed by them.

AARP, Delta Dental, Humana, and Aetna are known to provide dental insurance for seniors in Michigan.

What to consider before buying dental insurance

It takes more than a price comparison to find the best dental insurance in Michigan. The cheapest dental insurance isn't always the most cost-effective or smartest option. You should also think about the following factors:

dental insurance michigan no waiting period
What is the best dental insurance in Michigan with no waiting period?

Finding dental insurance with no waiting period

Certain dental treatments may require you to wait a certain number of months before they can be done. The majority of dental insurance companies provide no waiting periods for preventative and diagnostic procedures.

Cost vs. coverage

You could be debating whether a low-cost dental insurance plan or a full-coverage dental plan is preferable.

A general rule of thumb is as follows:

If your teeth are in excellent overall health, a low-cost dental insurance plan with a higher deductible and co-payments may be the best alternative. However, if you need extensive care, paying a higher premium but receiving more coverage may be more cost-effective.

Low-income dental insurance Michigan

Medicaid, or Medicare, is a government-run healthcare program that includes dental coverage. This is a low-income dental insurance plan in Michigan and other states.

You may or may not be eligible depending on your monthly income, the size of your family, your age, and your eligibility category. The benefits are very limited though, and not everyone is qualified for Medicaid.

Comparing Michigan dental insurance providers

We've put together a list of the best dental insurance plans in Michigan so you can start comparing your options.

delta dental michigan
Delta Dental of Michigan

Delta Dental insurance Michigan

Delta Dental of Michigan provides a variety of dental insurance plans for individuals and families, including two PPOs.

Delta Dental PPO Plans

Delta Dental Insurance Plan

Delta Dental Low Plan (Standard)

Delta Dental High Plan (Point-of-Service)

Network access

 Delta Dental PPO network

Delta Dental PPO and Delta Dental Premier® network

Annual deductible

$25

No deductible

In-network coverage

  • Preventive: 100%

  • Basic services: 50%

  • Major services: 50%

  • Preventive: 100%

  • Basic services: 80%

  • Major services: 50%

Out-of-network coverage

  • Preventive: 80%

    Basic services: 50%

    Major services: 50%

  • Preventive: 100%

    Basic services: 60%

    Major services: 50%

Details correct at time of writing; check with insurer for current and complete policy details.

blue cross blue shield dental insurance michigan
Blue Cross Blue Shield dental insurance Michigan

BlueCross BlueShield

BlueCross BlueShield Dental Insurance of Michigan offers a wide range of PPO plans for every need and budget. In addition to this, they offer dental and vision insurance and provide medical and dental plan combinations.

Blue Cross Blue Shield Plan

Blue Dental℠ PPO 80/50/50

Blue Dental℠ PPO Plus 80/60/50

Blue Dental℠ PPO Extra 100/70/50

Deductible

$25

$75

$0

Annual maximum

$1,200

$1,000

$1,200

Preventive care

80%

80%

100%

Basic restorative

50%

60%

70%

Major restorative

50%

50%

50%

Details correct at time of writing; check with insurer for current and complete policy details.

Humana

humana dental insurance michigan
Humana dental insurance Michigan

Humana dental insurance in Michigan provides two PPO plans.

Humana Bright Plus

This dental insurance plan in Michigan offers a yearly maximum of $1,250 per individual. There is a $50 deductible per person, but preventative care provided in-network is excluded from this fee. Fillings and extractions are covered at 60% in-network and 30% out-of-network after a 90-day waiting period. A $100 teeth whitening allowance is offered once a year.

Humana Loyalty Plus

This Humana dental insurance plan in Michigan allows you to choose whatever dentist you want to see. Exams and cleanings are fully covered, while x-rays, fillings, and extractions are only 40% covered in the first year (then the coverage increases to 70%). Crowns, root canals, dentures, and extensive cleanings are covered at a level of 20-50% (graded).

There is no waiting time for any of the services mentioned, making it a fantastic dental plan if you require immediate treatment.

Conclusion

Types of plans offered

Benefits and Plan Features

Delta Dental

PPO

Large network of participating dentists

Humana

PPO

Yearly increasing benefits

BlueCross BlueShield

PPO, combination plans

Wide range for plans; Dental and vision and health and dental insurance combinations

Details correct at time of writing; check with insurer for current and complete policy details.

You have a lot of alternatives when it comes to dental insurance, whether it's DHMO or PPO. It might be tough to choose which dental plan offers the advantages that are most beneficial to you. Make sure you understand what you're signing up for by reading the terms.

Finally, if your dental insurance covers preventative treatment, make use of it! Regular dental checkups and cleanings will keep your teeth in excellent shape and save you money in the long run.

Dentalinsurance.com can assist you in finding the ideal dental insurance for your specific requirements. By entering your ZIP code and date of birth, you can compare the best dental insurance plans in Michigan. Simply click the button below to get started.

FAQ

What is the best dental insurance in Michigan?

There is no perfect solution, but there are a wide range of options that vary in coverage and price so that you can get the right insurance plan to meet your unique needs.

We looked into the best dental insurance companies and validated their availability in Michigan's major cities like Detroit. However, depending on your area, additional dental insurance companies such as Meridian, Dencap, Guardian Direct, or Metlife may be available.

Best Dental Insurance Plans in Michigan: Comparison and Review
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Simon specializes in writing content on healthcare and dentistry.