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EMI Choice PPO Low Dental Plan
Introducing the EMI Choice PPO Low Dental Plan - your pathway to comprehensive dental care with unbeatable benefits! With our plan, you'll enjoy 100% coverage for preventive services, ensuring your regular check-ups and cleanings won't cost you a dime. After just a short 6-month waiting period, you'll receive a generous 80% coverage for minor procedures like fillings, taking the financial burden off your shoulders. And when it comes to major dental work such as crowns, we've got you covered too, with a fantastic 50% coverage kicking in after just 18 months. Plus, with a substantial annual maximum benefit of $1500, you can rest easy knowing your dental health and wallet are in good hands. Choose the EMI Choice PPO Low Dental Plan for the smile you deserve without breaking the bank!
Carrier
EMI
The company that provides and manages your insurance coverage. You pay your insurance premiums, which are regular payments to maintain your coverage, directly to the carrier.
Plan Year
2024
A dental plan year typically spans one year from when you enrolled in the plan. At the start of each new year, plans reset, and any deductibles, out-of-pocket maximums, and benefits calculations begin anew.
Individual and Family Deductible
Dental insurance plans offer individual and family deductibles to accommodate varying needs. Individual deductibles require a specific out-of-pocket payment before insurance coverage applies to dental procedures, while family deductibles consolidate these costs for the entire family's dental expenses.
These plans typically categorize dental work into minor and major procedures. Minor work covers routine treatments like fillings and simple extractions, with insurance sharing the cost. In contrast, major work, which includes procedures such as root canals or crowns, often requires a larger patient contribution. It's important to note that the deductible normally doesn't apply to preventative care, such as check-ups and cleanings, which are often covered at no cost, emphasizing their role in maintaining oral health without additional financial burden.
Individual Deductible
$25
A deductible is the amount you pay out of your own pocket before your insurance coverage starts. It's a way to share costs between you and the insurance company.
Family Deductible
$75
Family deductible is the amount the entire family, or everyone enrolled on the plan, must meet before insurance pays a portion of your covered services.
Preventative Care
With the EMI Choice PPO Low Dental Plan, prioritizing your oral health has never been easier. Our plan offers an exceptional 100% coverage for preventative care, ensuring that your routine check-ups, cleanings, and other preventive services are completely covered. This means you can maintain a healthy and beautiful smile without any out-of-pocket expenses, giving you peace of mind and a reason to smile. Choose prevention, choose EMI Choice PPO Low Dental Plan.
Minor Dental Services
The EMI Choice PPO Low Dental Plan offers comprehensive coverage for minor dental work with convenience and savings in mind. After a brief 6-month waiting period, you'll gain access to our outstanding benefits. Plus, we provide flexibility with two deductible options: a low $25 deductible for individuals and a family-friendly $75 deductible. When you choose a dentist within our Advantage network, you'll enjoy an impressive 80% coverage, while even with a dentist in our Premier network, you'll still receive substantial 70% coverage. With this plan, you're in control of your dental health, and we're here to support you every step of the way.
Major Dental Services
When it comes to major dental procedures such as crowns and root canals, the EMI Choice PPO Low Dental Plan has you covered. After an 18-month waiting period, you'll be eligible for these essential services. Whether you choose a dentist within our Advantage network or our Premier network, you'll benefit from a generous 50% coverage. With this plan, you can rest assured that even for major dental work, you'll receive substantial financial support, allowing you to maintain your oral health without the stress of high costs. Your smile's longevity is our priority, and we're here to make quality care accessible.
Orthodontia for Children
With the EMI Choice PPO Low Dental Plan, we're committed to making dental care accessible and affordable for you and your family. In addition to our comprehensive coverage for various dental services, we also offer an enticing perk: kids under 18 can receive up to a 25% discount on orthodontic treatments when you choose an in-network provider. This means that achieving a straight and healthy smile is not only within reach but comes with substantial savings. Trust us to prioritize your dental needs and your budget, ensuring your oral health and confidence shine brightly.
Implant Coverage
While the EMI Choice PPO Low Dental Plan offers extensive coverage for a wide range of dental services, it's important to note that it does not cover dental implants. We believe in transparency and want you to make informed decisions about your dental care. Rest assured, though, that our plan continues to provide valuable benefits for your routine and major dental needs, ensuring you receive the best care for your unique oral health requirements.
Maximum Yearly Dental Benefit
The EMI Choice PPO Low Dental Plan offers a maximum yearly benefit that's designed with your dental needs in mind. Your benefit limit resets every 12 months from the date you enrolled in the plan. If you opt for a dentist within our Advantage network, you'll enjoy a substantial maximum yearly benefit of $1500, providing you with ample coverage for your dental expenses. Even if you choose a dentist in our Premier network, you'll still receive a significant benefit of $1000, ensuring that your oral health is well-supported throughout the year. We're here to help you maintain your smile's radiance while keeping your finances in check.
Full Summary of Benefits and Helpful Links
Official documents, such as your insurance policy or Summary of Benefits and Coverage (SBC), outline the details of your coverage, including deductibles, copayments, and covered services. Provider links, often available through your insurance company's website, offer directories of in-network healthcare professionals and facilities, helping you find the right doctors and hospitals that are covered by your plan. Utilizing these resources can empower you to make informed healthcare decisions and effectively navigate your insurance coverage.
Helpful Links
Schedule a consultation with a local Utah health insurance agent
We're happy to meet with your in-person or over the phone to help you with your health insurance needs. We can help you with health insurance on or off the marketplace, Medicare Advantage & supplements, dental insurance, vision insurance, life insurance or accident plans. Thank you for letting us be your advocate. Best part, is our help is always free!
This is a quick snapshot of the most popular copays, deductibles, and coinsurance that you would be responsible for on this dental plan. Preventative services include dental cleanings, exams and x-rays. Most plans cover your preventative care every 6 months with no waiting period. Basic dental work includes minor services like filling a cavity and may have a waiting period before these services will be covered on your plan. Major work includes services like crowns and root canals and may have a waiting period before these services are covered. Dentures and implants are normally NOT included in dental insurance. If you need coverage for these services, please let your local agent know so that you have a plan that includes those services.
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To learn what each of the terms mean, please visit our terms and definitions page. Copays and coinsurance listed are amounts that you would pay after deductible unless specified otherwise. This is not a full list of services included on the plan. This snapshot is not guaranteed to be accurate. To verify plan benefits or for full details please see the full summary of benefits or or get a complete terms of coverage on the health plan carrier's website.
***Out of Network Limitations and Balance Billing
Some dental plans offer out of network coverage. This is a great benefit because you can visit any dentist in the nation. Which means that if you are traveling, or have a dental emergency, you can visit a dentist for the service you need right away and have a portion of your bill covered by your dental insurance. Please note that if you see an out of network provider, that dentist is allowed to "balance bill" you. This means that your dental insurance company pays your dentist what is reasonable and customary for the services you received. In most situations that dentist accepts that payment and you are only responsible for your portion of the bill. Occasionally, that dentist will decide that the reasonable and customary amount they received from the dental insurance is not enough. That dentist will bill you for the additional charge or 'balance bill' you. You are responsible to pay this amount or contact the dentist to work out a payment plan.