Your EMI Health Dental Plan
Learn how your plan works, what’s covered, and how to get the most from your dental coverage.
Why Dental Care Matters
Taking care of your teeth isn’t just about a nice smile—it’s part of staying healthy overall. Regular cleanings and checkups can prevent more serious (and more expensive) problems later on. That’s why dental coverage is important, and why EMI Health offers a range of plan options to fit different needs.
Your employer may offer different types of dental plans:

PPO Plans (Preferred Provider Organization)
These plans split the cost of care between you and the insurance. You may pay a percentage of the cost for services after meeting a deductible. They often offer more flexibility in choosing your dentist.
Copay Plans
These plans work more like a fixed menu. You pay set amounts (copays) for each type of service, so costs are easier to predict up front.
Be sure to check your plan summary(ies)—found at the back of your enrollment booklet to see which dental plan(s) you may choose from.
Regardless of type of plan, with EMI Health, you have access to a nationwide network of trusted dentists, making it easier to get care wherever you are.
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Preventive Care
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Basic Services
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Major Services
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Orthodontics

Includes treatments like fillings and simple extractions. These services are often shared between you and the plan, depending on your specific benefits.



Where to Find Your Coverage Details
Every dental plan is a little different. To see exactly what your plan covers for each type of care—check the benefits summary in your enrollment booklet.
A Few Important Things to Know
The amount your plan pays depends on the type of care and your specific dental plan. Each category—preventive, basic, major, and orthodontic—may be covered at different levels.
To find out exactly how your plan pays for care, refer to the plan summary in the back of your enrollment booklet.
Deductible
Waiting Periods
A waiting period is the amount of time you must be enrolled in your dental plan before certain types of care are covered. While preventive services like cleanings and exams are usually covered immediately, other services may have a delay.
Annual Maximum
The total amount the plan will pay for dental care each year. This maximum is usually listed as per person and per family. Once you reach this amount, you’ll pay any additional costs out-of-pocket.

Is your current dentist in-network?
Use our Provider Search Page to check before you choose a plan. Staying in-network saves you money.
Do you or your family need orthodontic coverage?
Do you expect major dental work soon?
What can you afford each month?
Review the monthly rates and balance what you’re paying with what you expect to use.
Do you want flexibility or lower costs?
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Utah
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Arizona
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Texas
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Georgia

Utah Networks
When it comes to dental coverage in Utah, EMI Health offers one of the most robust provider networks in the state. Between our contracted networks, members have access to thousands of dentists, specialists, and facilities—making it easy to find the care you need, close to home.
- Premier
- Advantage
- Advantage Plus
- Utah DHMO
- Utah Value
Out-of-State Coverage: For services outside Utah, your plan will utilize a different network, providing nationwide access to quality care. Check your ID card for the Out-of-State Network for your plan.

Arizona: Consistent Coverage In and Out of State
If you're enrolled in an EMI Health plan in Arizona, you'll use the same network both in-state and when traveling out of state—making it easy to get care wherever you go. The only exception is Utah, where EMI Health uses its own Care Plus Network.
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Cigna PPO: Offers a vast network of over 1.5 million healthcare professionals, ensuring broad access to care. Search for Arizona Cigna PPO Providers
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Aetna PPO: Known for its extensive provider network and high customer satisfaction ratings. Search for Arizona Aetna Providers
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Blue Cross Blue Shield (BCBS): Provides coverage through a wide network of healthcare providers across the state. Search for Arizona Blue Cross Blue Shield Providers.
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Integrated Medical Services (IMS): Arizona’s largest independent multi-specialty provider group, offering comprehensive, coordinated care across various specialties. Learn more about the IMS Network

Texas: Aetna or Cigna PPO
In Texas, EMI Health partners with two well-established national networks—Aetna and Cigna—to ensure broad, dependable access to care across the state.
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Aetna PPO: Recognized for its large, well-coordinated provider network, Aetna offers strong access to primary care, specialists, and hospitals, with a reputation for responsive customer support and a seamless member experience. Search for Texas Aetna Providers here
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Cigna PPO: Cigna brings a robust network of healthcare professionals and facilities, with a strong focus on preventive care, care coordination, and tools that help members stay healthy and informed. Search for Texas Cigna Providers here
No matter which network your plan uses, you can count on access to high-quality care throughout Texas and beyond.

Georgia: Trusted Coverage Through Aetna or Cigna PPO
EMI Health members in Georgia are covered through either the Aetna PPO or Cigna PPO network—two nationally recognized carriers known for quality care and broad access.
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Aetna PPO: Aetna is known for its reliable network of doctors, hospitals, and specialists throughout Georgia. Members benefit from a strong emphasis on preventive care and tools to manage their health with confidence.
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Cigna PPO: With a wide-reaching network and a strong presence in both urban and rural parts of Georgia, Cigna focuses on whole-person care, making it easier to stay on top of both routine and specialized health needs. Search for Georgia Cigna PPO Providers
Whether you're in Atlanta or a smaller community, these networks ensure access to high-quality providers across the state—and throughout the U.S.
How to Search for In-network Providers
To get the most from your EMI Health benefits—and avoid unexpected costs—it’s important to see providers in your plan’s network. That starts with two simple steps:
Step 1: Find Your Plan’s Network
Before you search, you’ll need to know which network your plan uses. You can find this in your plan summary, located in the back of your enrollment booklet or in your EMI Health member portal after you enroll.
Look for names like:
Premier Advantage (Plus) DHMO Summit Or other regional or specialty networks
Step 2: Use the Provider Search Tool
Visit: emihealth.com/ProviderSearch
Then follow these steps:
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Select your network from the dropdown list. (Use the name you found in your plan summary.)
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Choose your provider type (e.g., dental, medical, vision).
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Enter your ZIP code or city to see local providers.
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Filter by specialty, gender, language, or other preferences.
Why It Matters
Seeing an in-network provider means:
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Lower out-of-pocket costs
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No surprise billing
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Simplified claims and coverage
If you're unsure about your network, reach out to EMI Health Member Services—we're here to help you find the care you need.

Start Your Search for In-Network Care
Out-of-Network Coverage: MAC vs. R&C
If you visit a dentist who isn't part of your plan's network, your dental insurance will determine how much it pays based on one of two methods:
Feature | MAC (Maximum Allowable Charge) | R&C (Reasonable & Customary) |
How reimbursement is calculated | Limited to the plan's max allowoable | Based on average fees in your area for similar services |
Plan payment | Limited to the plan's max allowable amount | Based on typical local charges (often higher than MAC) |
Your cost | You pay the difference if your dentist charges more than the plan allows | You pay the difference if the charge exceeds the "customary" limit |
Flexibility | Lower reimbursement out-of-network | More generous reimbursement out-of-network |
Best for | Members who stay in-network | Members who may need to go out-of-network |
Typical reimbursement level | Lower | Often higher than MAC |
Tip: To minimize unexpected expenses, always check if your dentist is in-network using our Provider Search Page. For detailed information about your plan's out-of-network coverage, refer to your plan summary located at the back of your enrollment booklet or access your plan documents through the EMI Health member portal after enrollment.

Customer Service
Whether you’re looking for help with benefits, claims, ID cards, or something else—we’ve got a knowledgeable, friendly team ready to assist.
OR send us an email at cs@emihealth.com
We’re committed to making your experience as smooth as possible. If something doesn’t make sense, just ask—we’ll walk you through it.