Utah Dental Insurance for Families, From $26/mo

A cracked tooth shouldn't wreak your budget

Dental bills shouldn't be a guessing game. But most plans pay a percentage of a bill you haven't seen yet, then stop at a yearly cap. Advantage Copay gives you a set price instead.

Know the price first

Every service has a set copay at in-network general and pediatric dentists. Exams and cleanings have no copay. Even implants have a set copay.

No yearly cap

Many plans stop paying after $750 to $2,000 a year. Advantage Copay has no annual maximum.

One price, any age

Your price depends on how many people you cover, not their ages. No health questions, and you can't be turned down.

What you'd pay at the dentist

Your Advantage Copay share at an in-network general or pediatric dentist. Specialists in network give you 20% off.

SERVICE	YOUR COPAY
Exams, cleanings, and X-rays	$0 after your yearly deductible of $25
Filling	$22 to $71, depending on size
Simple tooth pull	$46
Root canal, back tooth	$362
Crown	$339 to $384, depending on material
Implant, the whole tooth	About $1,800 to $2,200, depending on the parts used, placed by your general dentist

Deductible: $25 per person, never more than $75 per family. You pay it once a year, at your first visit, then just your copays.

Waiting periods: none for exams and cleanings, 3 months for basic care, 6 months for major care.

Advantage Copay (Utah Individual) copays effective January 1, 2026. See the full copay list (PDF)

Mother enrolling in a dental plan online at her kitchen table while her kids play

Rather call? (800) 662-5851Monday-Friday, 6am to 6pm. Se habla español.

GETTING STARTED

Covered in three steps

Rather call? (800) 662-5851Monday-Friday, 6am to 6pm. Se habla español.

1
Step 1: Have these ready
- Card or checking
- Social Security number
- Email address
You won't be charged today.
Step 2: Pick your plan

Choose your plan and a start date up to two months out, like January 1. Most Utah members choose Advantage Copay.
Step 3: Start using it

Coverage begins on your start date. Your ID card is in the My EMI Health app before the mailed one arrives.

First payment is on the 25th of the month before coverage starts.

Compare your options

Prices are for one person. Every plan covers exams and cleanings with no waiting period. Starting December 1? You’ll pay 2026 rates for December. 2027 rates start January 1.

	Most popularAdvantage Copay	Advantage PPO	Premier PPO Low	Premier PPO High
Monthly price, one person	$26	$32	$37	$50
How it pays	Set copay per service	Percentage of the bill	Percentage of the bill	Percentage of the bill
Yearly maximum	Unlimited	$1,500	$1,500	$2,500
Deductible	$25	$50	$50	$75
Fillings	Set copay after 3 months	75% after 6 months	75% after 6 months	80% after 6 months
Crowns, root canals, implants	Set copay after 6 months	50% after 12 months	50% after 12 months	50% after 12 months
Kids' braces	Discount only	Discount only	Discount only	50% after 18 months
Network	Advantage, 3,000+	Advantage, 3,000+	Premier, 4,000+	Premier, 4,000+
Plan summary	LINK TBDLINK TBD	LINK TBDLINK TBD	LINK TBDLINK TBD	LINK TBDLINK TBD

Which plan fits?

Want set prices and no yearly cap?Advantage Copay
Want to see any dentist, in or out of network?A PPO plan
Want braces covered for kids?Premier PPO High

In-network benefits, summary only. Family prices are shown when you enroll. Had dental coverage before? Send a Certificate of Prior Coverage from your old plan within 90 days of enrolling to enrollment@emihealth.com, and we may waive waiting periods.

Enroll online Already have an insurance agent? They can enroll you at the same price.

Round out your family's care

Someone to talk to, a doctor at 2 a.m., and new glasses before school starts. Add any of them when you enroll.

Therapy & counseling included

EMI Health Virtual Care

$ 10 a month per household

A monthly membership, not insurance. Care is provided by licensed doctors and therapists through Recuro Health, our telehealth partner.

Unlimited $0 virtual therapy with licensed therapists, for everyone 14 and up, right from home
Unlimited $0 urgent care visits with licensed doctors, by phone or video, 24/7
Available to you, your spouse, and/or dependents under 26

Therapy counseling visits are $0. Psychiatry visits are available through Recuro at a discounted rate.

Start in December and pay just $7.50 for that month. The $10 rate starts January 1, 2027. Add it at checkout. Look for Virtual Care below the dental and vision plans.

It does not replace health insurance. Not for emergencies. In a life-threatening situation, call 911.

Add at checkout

VSP network

Vision plans with VSP

From $9 a month

$10 eye exam on every plan, 50,000+ VSP doctors

$10 eye exam on every plan, with 50,000+ VSP doctors
VSP Plus 10-130: $130 toward frames or contacts. $9 for you, $17 for two, $28 for three or more.
VSP Plus 10-160: $160 toward frames or contacts. $10 for you, $20 for two, $33 for three or more.
VSP Plus 10-210: $210 toward frames or contacts. $13 for you, $26 for two, $41 for three or more.

Note: All three have the same benefits and network. They differ only in the frame and contact allowance. Pick one at checkout, below the dental plans.

Allowances are lower at retailers like Costco and Sam's Club. See each plan summary.

Choose your vision plan

2027 monthly rates. Vision from $9 is the VSP Plus 10-130 plan for one person.

Common Questions

What does a family pay?

With Advantage Copay: $48 for two people, $65 for three, and $94 for four or more, however many kids you have.

Is there a waiting period?

For the Advantage Copay plan, exams, cleanings and X-rays are covered right away. Fillings start after 3 months. Crowns and other major care start after 6 months. Had coverage before? We may waive waiting periods.

Is there a deductible?

Yes. Advantage Copay's deductible is $25 per person each year, and never more than $75 per family. It applies to all care, including your first exam and cleaning of the year. Once it's met, you pay just your copay.

Do specialists cost more?

Your copays apply when you see an in-network general dentist or pediatric dentist. That's who you'll see for checkups, cleanings, fillings, crowns, and most other care. Your copay is the same set price every time.

A specialist is a dentist who focuses on one area, like an oral surgeon, an orthodontist, or a gum specialist. Copays don't apply at a specialist. Instead, in-network specialists give you 20% off their usual price.

Not sure if you need a specialist? Start with your general dentist. Most care can be done right there, at your copay price. Need help finding an in-network dentist? Call us at (800) 662-5851.

Are implants covered?

Yes. When an in-network general dentist places your implant, the whole tooth (the implant, the connector, and the crown) usually comes to about $1,800 to $2,200, after the 6-month wait. If you're sent to a specialist for the implant surgery, you get 20% off their price instead. Ask your dentist who will do each step.

Does my price go up as I get older?

Your age never changes your price. Rates change only when we change them for all members.

Do I need a medical plan with EMI Health?

No. You can buy dental on its own.

No guessing at the dentist

Book the cleanings. Fix the tooth. Know the bill before you go.

Enroll online

Rather talk to a person?

(800) 662-5851

Monday to Friday, 6am to 6pm. Se habla español.

Monday to Friday, 6 a.m. to 6 p.m. MT. Utah individual and family dental plans, underwritten by Educators Health Plans Life, Accident & Health, Inc. (EMI Health). Prices are 2027 monthly rates, effective January 1, 2027. *Google rating as of September 2026.

UTAH FAMILY DENTAL INSURANCE No guessing at the dentist.