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.
Dentalinsurance.com makes it easy to compare dental insurance plans in Michigan. Finding and enrolling in the top plans in your state is straightforward and fast with our online marketplace.
To check what plans are available in your area, just enter your zip code and date of birth, or call 888-626-0057 to speak with one of their representatives.
Table of contents
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.
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.
For some people, a discount plan is a better option than an insurance plan, because they have no annual maximums, no deductibles and no waiting periods.
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:
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 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 |
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Out-of-network coverage |
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Details correct at time of writing; check with insurer for current and complete policy details. | ||
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 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.
Get a quote for insurance near you
We know it can be difficult to wade through the plethora of plan options. That's why we've created this easy-to-use insurance comparison tool. Just enter your DOB and zipcode, and in seconds you'll see the best plans in your area.
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.
If you want to read about the best insurance option in any other state, please select from the list below.
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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.