Best Dental Insurance Michigan

Dental Insurance Michigan

Dental Insurance Costs in Michigan

Dental insurance customers should expect to pay certain costs associated with the policy:

• Premium—the cost of the plan, typically paid monthly.
• Deductible—the amount you pay out of pocket before the plan pays benefits (dental deductibles are relatively low). This might apply to each member on the plan.
• Coinsurance—the out of pocket portion for which the customer is responsible; a percentage of the total cost based on type of service (i.e., patients might pay 20% of the total fee for the service while the insurance company pays 80%).
• Copay—also an out of pocket payment, typically a set amount (i.e., there might be a $50 copay for a filling).

The price of a dental plan in Michigan depends on the type of plan, what’s covered, one’s zip code, one’s age, and the number of members covered.

Types of plans:

• PPO (preferred provider organization)—uses a network of dentists who provide services for set fees. To get the most out of the benefits, customers must get care at in-network providers.
• Dental HMO (DHMO)—customers choose a primary care dentist. Network providers receive a set fee every month whether patients visit or not. Preventive care is typically covered at no cost to the customer.
• Discount dental plan or dental savings plan—this is not the same as insurance. Enrollees pay a set annual fee that entitles them to discounts at participating providers.

In Michigan, dental HMO plans start at about $17 per month and PPO plans start at about $30 per month.

Dental Insurance in Michigan

Children aged 0-3 have limited access to dentists in Michigan. But some school-based dental programs do provide sealants, and the state has a free fluoride varnish program. The Michigan Oral Health Fact Sheet reported that almost 30% of parents in Michigan send their kids to bed with a bottle of juice. This contributes to tooth decay. Nearly 30 percent of Michigan 3rd graders had untreated tooth decay, according to a state survey. Many kids and seniors don’t get the dental care they need because of high costs.

Only 56% of Michigan residents have dental insurance. 37% of Michigan’s residents live in areas where water is not fluoridated, such as the Northern Lower Peninsula and the Western Upper Peninsula. Michigan fell far below the national target for health centers with dental services. There is a shortage of dentists in the state. All of these factors underscore the importance of dental insurance, which is relatively affordable in Michigan. The state also runs the PA 16 program to provide preventive care services for underserved populations. Michigan tracks the dental health of its residents and is invested in oral health.

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MDA Insurance

MDA Insurance manages plans for employers and groups through Delta Dental. MDA Insurance is membership-based. Businesses that belong to the organization can enroll their employees in a comprehensive dental plan that includes 100% coverage for preventive care and 50% coverage for a wide range of major procedures and restorative services. Customers give MDA Insurance five stars for being organized, efficient, and honest and said agents helped them bundle policies and find a cheaper rate.

MDA Insurance
Address	3657 Okemos Rd #100, Okemos, MI 48864
Phone Number	(517) 484-6765

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Delta Dental of Michigan

Delta Dental of Michigan offers individual adult and pediatric dental PPO and premier provider plans as well as Medicaid and Medicare partnership plans. They also have a dental savings plan that includes vision and hearing care discounts. Routine cleanings are 100% covered, and plans provide some coverage for major services. Pediatric dental services are covered at 100% after the out of pocket maximum for the year is met. Reviewers appreciate Delta Dental’s efficient claims processing and excellent customer service.

Delta Dental of Michigan
Address	4100 Okemos Rd, Okemos, MI 48864
Phone Number	1800-524-0149

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DENCAP Dental Plans

DENCAP offers PPO and DHMO individual and family dental plans. They have a large selection of dentists, high annual maximums, and low deductibles. Cleanings, exams and X-rays are 100% covered, and plans include some coverage for orthodontics. Customers can enter their birthday and zip code to view plans and pricing online. Customers consistently give this company good reviews for its customer service and affordable prices. One reviewer mentioned that DENCAP was much cheaper than his previous dental plan.

DENCAP Dental Plans
Address	45 E Milwaukee Ave St, Detroit, MI 48202
Phone Number	(313) 972-1400

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Golden Dental Plan Inc

Golden Dental Plan Inc. provides dental insurance for individuals and organizations. Family plans cover exams, X-rays, office visits, cleaning, fluoride, and prophylaxis at $0 out of pocket. The Life Smile Plan has no waiting period and includes orthodontic benefits. The Senior Plan has no deductible, and the Welcome Plan has no annual maximum for general dentistry. Customers can visit the company website for detailed coverage and pricing information. Reviewers found this insurance affordable and easy to use

Golden Dental Plan Inc
Address	29377 Hoover Rd, Warren, MI 48093, United States
Phone Number	(586) 573-8118

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Molina Healthcare of Michigan

Molina Healthcare provides no-cost dental services, including cleanings, fillings, and other preventive services, to low-income children under 21 and pregnant women. Under the Healthy Michigan Plan, Molina Healthcare also has dental plans that provide no-cost dental services such as exams, extractions, and restorative and preventive care for adults ages 19-64. They also cover unlimited transportation for medically necessary services. Customers can contact their local Department of Human Services or apply online. Positive reviews of Molina Healthcare note the helpful customer service and coverage.

Molina Healthcare of Michigan
Address	880 W Long Lake Rd, Troy, MI 48098, United States
Phone Number	1888-898-7969