EMI Advantage Copay Dental Plan
If you're looking for a dental plan that offers incredible value, upfront pricing, and total flexibility, the 2025 Advantage Copay Dental Plan is a perfect fit. This plan covers preventive care like exams and cleanings at no cost to you from day one, with no waiting period. Need a filling? It's just a small fixed copay. More serious dental work, like crowns, root canals, dentures, or even implants, is also covered with predictable copays—so you’ll never be surprised by a bill. With a low $25 deductible per person, short waiting periods (3 months for basic care like fillings and 6 months for major services), and absolutely no annual maximum, you can use this plan as much as you need throughout the year. That’s right—unlimited coverage with no yearly cap. It’s all in-network too, giving you access to over 3,000 dental providers across Utah. With coverage this complete and copays this clear, your smile just got a whole lot more affordable.
Carrier
EMI
Plan Year
2025
Individual and Family Deductible
Dental insurance deductibles work similarly to health insurance deductibles, but they apply specifically to dental care. Individual deductibles are the amount a person must pay out-of-pocket for covered dental services before the insurance starts covering a portion of the costs. In a family plan, each family member has their own individual deductible, but many plans also have a family deductible cap, meaning once the family’s combined spending reaches a certain limit, the insurance will kick in for all members. These deductibles generally apply to services like fillings, crowns, and other restorative treatments, but routine care such as cleanings and exams may be covered without needing to meet the deductible. Understanding how these work ensures you're prepared for any out-of-pocket costs when seeking dental care.
Individual Deductible
$25
Family Deductible
$75
Preventative Care
Preventive dental care is fully covered from day one under the 2025 Advantage Copay Plan. That means routine exams, cleanings, X-rays, fluoride treatments, and sealants are all included with no waiting period and no cost to you when you visit an in-network provider. Staying on top of preventive care not only keeps your smile healthy but helps you avoid expensive procedures down the road—all with zero copays.
Minor Dental Services
Cavities happen, but with this plan, fixing them is simple and affordable. Minor dental services like fillings, space maintainers, and simple extractions are covered after a short 3-month waiting period. You’ll pay a low, fixed copay (typically around $35–$40 for a filling), so you’ll always know what to expect. With predictable pricing and no deductibles on these services, taking care of your teeth has never been easier.
Major Dental Services
Whether you need a crown, root canal, dentures, or bridges, major dental work is covered with straightforward copays. These services are available after just a 6-month waiting period, and there are no percentage-based costs or confusing bills. For example, a crown is just $375, and a root canal starts at $295. With no annual maximum to worry about, you can get the treatment you need—when you need it.
Orthodontia for Children
While orthodontics for children under 19 isn’t fully covered under the plan, discounted pricing is available through in-network providers. That means your family can still receive price breaks on braces or other orthodontic treatments—making it more affordable to give your child the straight, healthy smile they deserve.
Implant Coverage
Unlike many dental plans that exclude implants altogether, this one includes coverage for implants through affordable fixed copays. You can get a surgical implant for around $1,198, with abutments and implant crowns also included at set copay prices. It’s a smart way to restore missing teeth without the sticker shock—and all within network and with no annual limits.
Maximum Yearly Dental Benefit
One of the most powerful features of the 2025 Advantage Copay Dental Plan is that it has no annual maximum. That means you can use your benefits throughout the year—whether it’s for routine cleanings or extensive dental work—without hitting a coverage cap. You’ll never have to delay treatment or worry about out-of-pocket surprises once you’ve “used up” your benefits, because this plan lets you access care as often as you need it.
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 dentists 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 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.
PPO Plans and 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 and contact the dentist to work out a payment plan.
