If you’ve been skipping your dental checkups because of cost or you hate going to the dentist, you may end up paying more in the long run. You could be at risk for undetected health issues. It’s not worth the risk, so we’ve looked for the best companies for dental insurance in Michigan to help you find a good dental plan to get the care you need.
The Best Dental Insurance in Michigan is:
- Best Overall in MI: Delta Dental
- Cheapest Dental in MI: Humana
- Best for Value: Renaissance
- Best for Seniors: AARP
- The Best Dental Insurance in Michigan is:
- What is Dental Insurance?
- Average Cost of Dental Insurance in Michigan
- Types of Dental Coverage
- What Does Dental Insurance Cover?
- What Does Dental Insurance Not Cover?
- Best Dental Insurance Providers in Michigan
- Some Other Things to Consider
- Frequently Asked Questions
What is Dental Insurance?
Dental insurance is similar to medical insurance. It will cover the basic preventive care for your teeth and gums, including cleanings, fillings and oral surgeries such as a tooth extraction.
You pay a monthly premium or payment that allows you to get services to keep your mouth healthy. It’s important to routinely go for these services because if your mouth isn’t healthy, it can affect your overall health.
For the price you pay monthly, you generally get 2 checkups per year. Your treatments will include cleanings, X-rays and other services depending on your health. Like your medical plan, your premium depends on your age, health status and other factors. Some dental insurance policies cost more than others and vary by plans each carrier offers.
Some plans also may provide coverage for some types of oral surgery, orthodontia like braces, and advanced procedures like dental implants. Some plans may cover other options such as veneers to give you a prettier smile.
Most dental plans cover all preventive care costs for annual or semi-annual office visits for cleaning, X-rays, and sealants. Basic procedures are extractions, fillings, root canals and treatments for gum disease. Those procedures usually have copays and coinsurance, which will impact how much you will pay.
Average Cost of Dental Insurance in Michigan
The average cost of a dental plan in Michigan depends on the company you choose and what your oral health needs are. It also matters if you have any preexisting conditions. When deciding on an insurance plan, one way is to consider the cost of services. Here are examples of how much some services cost:
- Regular cleaning: $96–$115
- Regular exams: $56–$72
- X-rays (4 bitewings): $69–$85
- White fillings: $179–$232
- Adult braces: $5,530–$6,480
The average cost for a dental insurance plan for an individual is about $350 per year in Michigan. (Cannot find this exact figure.)
Types of Dental Coverage
Similar to medical insurance plans, dental insurance plans offer different levels of coverage, and the type of dental plan you choose has varying features. Here are some of the options from which you can choose:
Dental Health Maintenance Organization (DHMO): A DHMO is similar to a health insurance HMO. These plans offer a network of dentists that accept your dental insurance plan. Some have a copay and others require no fee at all. But like an HMO, you may not be able to visit a dentist that is out of network. You can see an out-of-network dentist, but you will be responsible for the entire fee.
Preferred Provider Organization (PPO): A PPO plan provides a list of dentists who accept your plan. You are given the option to see a dentist out of your PPO network, but your out-of-pocket expenses will be higher.
Discount or referral dental plan: After you look at the cost of dental treatments and the amounts insurance plans cover, you may decide a discount or referral plan is best for savings. These plans offer a substantial discount on dental services from a group of dentists. These plans are different than a PPO or DHMO because they won’t pay anything for your care. But you might decide you can save more with a discount plan because you can get 10%–60% off of each service your dentists provides.
Managed care plans: These plans usually have dental provider networks. Participating dentists set pre-negotiated rates for services they provide and typically submit the claim to the insurance company. With these plans, you will have less paperwork to complete and less out-of-pocket expenses. Managed-care plans also tend to offer more dentists for a broader range of provider choices.
What Does Dental Insurance Cover?
Dental insurance plans usually covers part of the cost your dentist charges for cleanings, preventive care, fillings, crowns, molds, root canals and oral surgery such as having a tooth pulled.
The plans also may cover braces or orthodontics, periodontics or the teeth’s supporting structures, prosthodontics such as bridges and dentures or false teeth. Most dental coverage includes 2 visits each year. No dental plan covers all of the costs of every treatment you may need.
What Does Dental Insurance Not Cover?
You may be surprised to find that when you go to the dentist, even with the best dental insurance plan, you’ll probably end up with a bill. That’s because while most plans cover basic preventive services such as cleanings, X-rays and fillings, they may not cover tooth-colored fillings.
You’ll also have to pay if you have gum disease, for instance, and your dentist wants you to get 4 cleanings per year instead of the standard 2 to treat it. Don’t expect your dental insurance to pay for braces or other orthodontic treatments, dentures, dental impacts or dental care related to a medical condition, but your plan may pay for a small portion. So you might end up paying hundreds or thousands more out of pocket.
Dental insurance often does not cover preexisting conditions you had before you enrolled. So if you have a preexisting condition, you will have to pay for services for those medical conditions.
About half of PPOs have maximum coverage amounts of $1,500 per year. So you are held financially responsible for treatments you receive in a year that are more than the maximum coverage limit.
If you don’t check carefully, you may find your plan doesn’t cover or has restrictions on some treatments such as flouride treatments for your children, crowns, bridges, multiple fillings on the same tooth and X-rays. It’s important to pay attention to what your policy includes and consider your options carefully.
Best Dental Insurance Providers in Michigan
Even if you’re timid about going to the dentist, finding the best dental plan can make it a little less intimidating. We’ve reviewed some of the best dental insurance plans in Michigan to help you feel a bit more comfortable about finally making an appointment.
1. Best Overall: Delta Dental
You can’t go wrong with Delta Dental in Michigan. It’s financially strong, and offers a plan that costs only $123 a year. It only costs $15 to enroll in the plan, and it has no deductible or waiting period for services.
So if you enroll and have a major dental issue, you can get treated right away without paying extra. This plan has no annual cap, so you can get all the services you need in a year without having to wait for a new coverage year.
2. Cheapest Dental Insurance in Michigan: Humana
Humana’s Preventive Plus might be the bargain you need. The monthly premium is only $21.99 per month and $263.88 a year. This plan probably isn’t good for people who are commitment-phobic because you have to hold on to it for at least the first 12 months.
You probably also will have to pay the cost of the entire premium year upfront. For this DPPO, you won’t have to pay any coinsurance for preventive care but you will have to pay a 50% after deductible for basic care. For individuals, the deductible is $50 for individuals and $150 for families up to 3 members.
You don’t have any annual out-of-pocket limit, and you won’t have to pay anything for a cleaning. You will be required to wait 6 months after you enroll in the plan to get a tooth extracted and other services.
3. Best for Value: Renaissance Dental Insurance
Renaissance Dental Insurance offers several plans, but The Renaissance Dental Plan III will give you 100% coverage for diagnostic and preventive services when you see an in-network dentist, and covers half the cost of crowns, bridges, fillings, root canals and dentures.
The carrier with no waiting plans, offers strong plans for people with generally good oral health but need more than just cleanings and other basic preventive dental care.The plan costs $41.62 a month with a $50 deductible and $1,000 annual maximum. You can visit any licensed dentist, but you’ll save more if you visit a dentist in the carrier’s network.
The plan covers 80% of fillings and simple extractions.
4. Best for Seniors: AARP
When you’re older, your teeth and gums may need more care. When it comes to dental care beyond basic services like cleanings and fillings, costs can quickly rise.
That’s why AARP’s dental insurance through Delta Dental may be a good bargain because it offers a broad range of coverage focused on the needs of older people. Instead of only the 2 standard cleanings per year, for example, it covers 3 annual cleanings. It also offers good comprehensive coverage for services such as crowns, dental implants, bridges and dentures. It has a 1-year waiting period before you’re covered for many of those services, though.
It has a 1-year waiting period before you’re covered for many of those services, though.
Although its premiums tend to be higher than average, it could be worth it, especially if you know your dental needs are extensive and more complex. If you’re an AARP member, the organization’s dental plans certainly are worth checking out. And by the way, you can join AARP before you’re age 50.
Some Other Things to Consider
If you haven’t had major dental issues, you’re either graced with good teeth or you’ve been diligent about brushing and flossing consistently and have regular checkups.
You may not know that the cost of avoiding the dentist and proper oral care can result in spending more on other health issues. Studies show that people who don’t have dental care benefits are more likely to have extractions and dentures. They also are less likely to have restorative care or receive treatment for gum disease.
Not only could you have not-so-sweet breath, you could have other illnesses such as oral cancer and cardiovascular conditions such as stroke and heart diseases. Selecting affordable dental insurance or a discount dental plan and getting the care you need may be far more critical than you think.
Frequently Asked Questions
1) Q: How does dental insurance work?
A dental insurance plan charges a premium in exchange for covered benefits. Unlike health insurance plans, dental insurance plans usually have a cap on benefits, which means your plan may stop providing coverage once you reach the annual cap, often between 1k and 3K. Like other types of healthcare insurance, dental insurance focuses coverage on essential services, like cleanings, fillings, etc. Many plans don’t cover braces or elective cosmetic procedures. Get the cheapest premium here.
2) Q: Is dental coverage part of health insurance?
Some health insurance plans bundle dental coverage as well but, in many cases, dental insurance is a separate plan. Healthcare plans that are ACA-compliant are required to offer dental coverage to children but there is no requirement that adults have dental insurance coverage. Choosing a separate dental insurance plan can be a cost-saving step and helps make dental health costs more predictable. Check out our best providers for the cheapest rate.
3) Q: What kinds of dental insurance are available?
Your choices for dental insurance plans are similar to health insurance choices. You can choose from a dental HMO, which helps to keep premium costs low by keeping services within controlled network. Dental PPOs give more freedom to choose your dentist and care but cost more than HMO plans. A third option is called a dental indemnity plan, which pays a fixed amount or percentage for covered services. Compare quotes from our top providers for the best price.
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