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EMI Marketplace Choice PPO High Dental Plan
Discover the dental coverage you've been waiting for with our EMI Marketplace Choice PPO High Dental Plan for 2024. We prioritize your oral health by offering comprehensive benefits that ensure your smile stays bright and your wallet stays happy. With us, you get 100% coverage on preventive care, meaning your regular check-ups, cleanings, and X-rays won't cost you a dime. Even when you need minor work like fillings or extractions, you'll enjoy an impressive 80% coverage, lightening your financial load. Plus, for those major dental procedures like crowns or root canals, we've got your back with a substantial 50% coverage. And there's more good news – we cap it all with a generous $1,500 maximum benefit per year. The only waiting periods are for basic and major work, but with benefits this great, it's worth the wait.
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
The EMI Marketplace Choice PPO High Dental Plan for 2024 is your ticket to uncompromising preventive dental care. We understand that maintaining a healthy smile is paramount, and that's why we offer an exceptional 100% coverage for preventive services. From routine dental check-ups to professional cleanings and essential X-rays, you can take comfort in the fact that these vital aspects of your dental health are completely covered. With no out-of-pocket costs for preventive care, you can proactively safeguard your smile without any financial stress. Don't wait until dental issues become major problems; embrace the peace of mind that comes with our comprehensive preventive care coverage and invest in your long-term oral health today.
Minor Dental Services
The EMI Marketplace Choice PPO High Dental Plan for 2024 goes beyond the basics, offering substantial coverage for minor dental work. When it comes to procedures like fillings and simple extractions, we've got you covered with a generous 80% coverage. This means you'll only be responsible for a fraction of the cost, making quality dental care accessible and affordable. Say goodbye to worries about minor dental issues and hello to a plan that prioritizes your dental health without breaking the bank. Choose confidence in your smile with our 80% coverage for minor work.
Major Dental Services
When it comes to major dental work, the EMI Marketplace Choice PPO High Dental Plan for 2024 continues to deliver. With a substantial 50% coverage for major procedures like crowns, bridges, and root canals, you can face these treatments with confidence. While you'll bear a portion of the cost, our plan lightens the financial load considerably, ensuring that your dental health remains a top priority. Say yes to comprehensive coverage, say yes to a healthier smile. Choose our plan for reliable support when you need it most – during major dental work.
Orthodontia for Children
The EMI Marketplace Choice PPO High Dental Plan for 2024 offers orthodontic coverage for children up to age 19, with a 24-month waiting period. After this waiting period, orthodontic treatments are covered at a generous rate of 50%, providing crucial support for procedures like braces or aligners. The plan also includes a maximum benefit of up to $1,000, ensuring that your child's orthodontic needs are both financially manageable and well-supported. Choose this plan to invest in your child's dental well-being and their confident, healthy smile.
Implant Coverage
While the EMI Marketplace Choice PPO High Dental Plan for 2024 offers comprehensive coverage for a wide range of dental services, it's important to note that dental implants are not covered under this plan. Dental implants are considered a specialized and elective procedure, and their cost can vary significantly. While this plan provides generous coverage for preventive, minor, and major dental work, including routine check-ups and essential treatments, it does not extend to the expenses associated with dental implant procedures. If you have specific needs related to dental implants, it's advisable to explore additional coverage options or discuss alternative solutions with your dental care provider.
Maximum Yearly Dental Benefit
The EMI Marketplace Choice PPO High Dental Plan for 2024 offers a flexible and valuable maximum benefit structure designed to cater to your dental needs. When you choose a dentist within our Advantage Network, you'll enjoy a substantial maximum benefit of $1,500. This means that your plan will cover up to $1,500 of eligible dental expenses, providing you with a significant financial safety net for comprehensive care. Even if you opt for a non-network dentist, our plan still provides a respectable $1,000 maximum benefit. This ensures that you have the freedom to choose the dental care provider that suits your preferences, without compromising on the quality of coverage. Whether you prefer a dentist within our network or outside it, our plan has you covered with a maximum benefit that empowers you to make the best decisions for your oral health. With EMI Marketplace Choice PPO High Dental Plan, you're in control of your dental care choices.
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.
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.