Find Affordable Dental Insurance in Michigan

Michigan dental insurance plans typically cover preventative exams, routine teeth cleaning, fillings, and x-rays. Some plans cover periodontics, endodontics, dentures, bridges, root canals, and other surgical procedures.

When choosing a Michigan dental insurance plan, be sure to compare the level of coverage so that you can anticipate the potential out-of-pocket costs.

You can get dental insurance in Michigan through your employer's health insurance plan. Alternatively, you can purchase health insurance and add dental coverage to your plan, or you can simply purchase a stand alone dental insurance plan.

Before purchasing dental insurance, you should compare carriers and coverage levels, and check whether or not your preferred dentist is within the carrier's network to keep costs at a minimum. You can get a quote and submit your application to purchase a plan.

Michigan uses the federal health insurance marketplace HealthCare.gov for the sale of dental insurance. Unfortunately, not all insurers offer health insurance through the exchange offer pediatric or adult dental care coverage in their plans. Luckily, Michigan residents can buy stand-alone dental insurance at an affordable price.

Pediatric stand-alone plans are available through the exchange and comply with the ACA's dental coverage guidelines stating that pediatric dental care will not cost parents more than $375 per child. Seven Michigan dental insurance carriers currently offer plans through the exchange, including Delta Dental of Michigan, BCBS of Mutual Michigan, and Humana.

Several dental insurance carriers also sell stand-alone plans directly to residents, but those plans are not subject to the ACA's rules.