Dental Insurance Plans in Michigan

Dental insurance costs in Michigan can vary depending on factors such as the level of coverage, the insurance provider, the type of plan (PPO, HMO, etc.), and individual factors such as age and location.  DentalPlans.com can help match you to a plan that fits your needs and budget.

Michigan offers dental programs through state-sponsored initiatives, Medicaid, and other public health programs. The availability and specifics of these dental programs can vary, so it’s advisable to check with the Michigan Department of Health and Human Services or relevant state agencies for detailed information on available dental programs in the state.

Medicaid in Michigan, known as the Healthy Michigan Plan or MIChild, may include dental coverage for eligible individuals. Dental benefits under Medicaid can vary depending on the specific program and eligibility criteria.

If your Michigan dental insurance plan doesn’t cover a specific procedure, a dental savings plan can be an excellent alternative to manage the costs. Dental savings plans provide plan members with significant discounts on a variety of dental treatments at participating Michigan dentists. These plans can help reduce out-of-pocket expenses for procedures that may not be covered by insurance, such as dental implants or cosmetic dental procedures.  You can compare different dental savings plans from top providers using our guided online plan finder, ensuring you find the best plan to fit your dental care needs and budget.

The two most common types of Dental Insurance available in Michigan are Dental Health Maintenance Organization (DHMO) and Preferred Provider Organization (PPO) plans. DHMO typically offers lower premiums and no annual maximum spending limit, but you can only see in-network dentists. With PPO dental insurance you can see any dentist or dental specialist that accepts your insurance but may pay more if you go out of network. You can also join a dental savings plan, an alternative to dental insurance with no waiting periods or annual spending limits, which are accepted by about 70% of dentists in the U.S. 

You can get dental insurance in Michigan even if you have dental health problems. But be aware that your insurance may not pay for any dental issues you have when you purchased the plan. If you want to reduce the cost of dental restorative treatment, consider joining a dental savings plan, a dental insurance alternative that typically does help you save on all your dental care. 

Dental insurance plans in Michigan sometimes offer coverage for braces, typically for children. Adults may have a harder time finding dental insurance that does include orthodontic procedures. Make sure to read plan details and check to see if the amount of coverage offered for braces (often it’s a dedicated, lifetime limit) fits your dental needs. If not, consider joining a dental savings plan that includes discounts for braces. Dental savings plans do not have annual spending limits so you can get the care you need when you need it at a price that you can afford.  

Unless you’re purchasing a supplemental plan, your dental insurance will almost certainly include preventive dental care – this is a key benefit of dental insurance. Often you won’t even need to meet your deductible or pay anything out of pocket for two basic checkups and cleanings a year. You can confirm any questions about your dental coverage by looking on the insurance provider’s website, checking the policy documents you receive when purchasing a dental insurance plan, asking your dentist or calling your insurance provider. 

Yes, in Michigan you can often add dental coverage to your existing health insurance plan through several options such as opting to include dental in employer-sponsored benefits packages, health insurance marketplace plans, Medicare Advantage plans, or Medicare supplement plans.  Before adding dental coverage, review the details of each option to ensure it aligns with your dental healthcare needs and financial situation.