Michigan health plan · 2025

FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers · 31256MI0010006

DENCAP Dental Plans, Inc offers this marketplace plan (Plan ID 31256MI0010006). Use the modules below to compare premiums, coverage structure, provider access, and formulary context against alternative options in the same market.

Metal level: High Plan type: HMO CSR: Standard High On Exchange Plan Issuer: DENCAP Dental Plans, Inc
Telehealth Data pending HSA eligible Check with issuer Dental Adult/Child Vision Not listed
Pay / Manage Plan View issuer site

2025 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 10 Mar 2026 06:40 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$19

Before subsidies

Estimate after subsidies

Deductible

N/A

N/A

See deductible details

Max out-of-pocket

N/A

N/A

Review MOOP rules

Office visits

Primary care See benefits
Specialist See benefits

Drug tiers

Generic See drug coverage
Preferred brand See drug coverage

View formulary tiers

$19 / mo before subsidies

≈ $227 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$38 / mo before subsidies

≈ $454 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$57 / mo before subsidies

≈ $681 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$38 / mo before subsidies

≈ $454 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits
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Enrollment guidance

Stay on top of 2025 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Michigan). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Standard High On Exchange Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 31256MI0010006
Coverage year 2025
State Michigan
Issuer DENCAP Dental Plans, Inc
Marketing materials View marketing kit
Variant ID 31256MI0010006-01
Available variants

Standard Off Exchange Plan · 31256MI0010006-00

Standard On Exchange Plan · 31256MI0010006-01
Last plan update Mon, 09 Sep 2024 00:00 GMT
Last HealthPorta import Tue, 10 Mar 2026 06:40 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 10 Mar 2026 06:40 GMT).

All providers in Michigan N/A
PCPs in Michigan N/A
Telehealth support Data pending
Nationwide providers N/A
N/A doctors statewide N/A PCPs N/A OB/GYN

Provider network(s)

['MIN001']

Providers Michigan All US states
All N/A N/A
PCP N/A N/A
Allergy N/A N/A
OB/GYN N/A N/A
Dentists N/A N/A

Drug coverage overview

0 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Prior authorization Drugs
Required 0
Not Required 0
Step therapy Drugs
Required 0
Not Required 0
Quantity limits Drugs
Has Limit 0
No Limit 0

Customer highlights

What stands out for members

  • Issuer: DENCAP Dental Plans, Inc · Plan ID 31256MI0010006 · 2025 filing.
  • Review marketing brochures and SBC PDFs via the issuer marketing repository.
  • Variant 31256MI0010006-01 (Standard On Exchange Plan) currently displayed.
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Benefits

Covered services & limitations

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

$20.00, 30.00%
Tier 1 in-network $20.00, 30.00%
Out-of-network 100.00%

nan

Exclusions: nan

Basic Dental Care - Child (Non EHB)

$20.00, 30.00%
Tier 1 in-network $20.00, 30.00%
Out-of-network 100.00%

Limit: 1200.0 Dollars per Year

$1200 Primary Care (General Dentist) Maximum. Maximums and waiting periods are waived for EHB benefits. Percentages are approximate. Your out of pocket (co-pay) payment to your Dentist is shown on the Schedule of Benefits. Click "Plan Brochure" above, then scroll to find the Schedule of Benefits for complete listing of covered services with co-pays.

Exclusions: nan

Major Dental Care - Child

$20.00, 40.00%
Tier 1 in-network $20.00, 40.00%
Out-of-network 100.00%

nan

Exclusions: nan

Major Dental Care - Child (Non EHB)

$20.00, 40.00%
Tier 1 in-network $20.00, 40.00%
Out-of-network 100.00%

Limit: 1200.0 Dollars per Year

$1200 Primary Care (General Dentist) Maximum. Maximums and waiting periods are waived for EHB benefits.s. Percentages are approximate. There is a 6-month waiting period for Class III benefits. Your out of pocket (co-pay) payment to your Dentist is shown on the Schedule of Benefits. Click "Plan Brochure" above, then scroll to find the Schedule of Benefits for complete listing of covered services with co-pays.

Exclusions: nan

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

$20.00, 20.00%
Tier 1 in-network $20.00, 20.00%
Out-of-network 50.00%

Limit: 100.0 Dollars per Year

When 50 or more miles away from your selected General Dentist, DENCAP will reimburse 50% up to $100 for emergency services that relieve severe pain and are covered benefits. Click "Plan Brochure" above, then scroll to find the Schedule of Benefits for complete listing of covered services with co-pays.

Exclusions: nan

Basic Dental Care - Adult

$20.00, 30.00%
Tier 1 in-network $20.00, 30.00%
Out-of-network 100.00%

Limit: 1200.0 Dollars per Year

$1200 Primary Care (General Dentist) Maximum. Percentages are approximate. Your out of pocket (co-pay) payment to your Dentist is shown on the Schedule of Benefits. Click "Plan Brochure" above, then scroll to find the Schedule of Benefits for complete listing of covered services with co-pays.

Exclusions: nan

Dental Check-Up for Children

$20.00, No Charge
Tier 1 in-network $20.00, No Charge
Out-of-network 100.00%

Limit: 3.0 Visit(s) per Year

nan

Exclusions: nan

Major Dental Care - Adult

$20.00, 40.00%
Tier 1 in-network $20.00, 40.00%
Out-of-network 100.00%

Limit: 1200.0 Dollars per Year

$1200 Primary Care (General Dentist) Maximum. Percentages are approximate. There is a 6-month waiting period for Class III benefits. Your out of pocket (co-pay) payment to your Dentist is shown on the Schedule of Benefits. Click "Plan Brochure" above, then scroll to find the Schedule of Benefits for complete listing of covered services with co-pays.

Exclusions: nan

Orthodontia - Adult

65.00%
Tier 1 in-network 65.00%
Out-of-network 100.00%

Limit: 1.0 Treatment(s) per Lifetime

In-Network Orthodontists give an $1200 discount with referral from your General Dentist.

Exclusions: nan

Orthodontia - Child

65.00%
Tier 1 in-network 65.00%
Out-of-network 100.00%

Limit: 1.0 Treatment(s) per Lifetime

In-Network Orthodontists give an $1800 discount with referral from your General Dentist.

Exclusions: nan

Routine Dental Services (Adult)

$20.00, No Charge
Tier 1 in-network $20.00, No Charge
Out-of-network 100.00%

Limit: 2.0 Visit(s) per Year

Percentages are approximate. Your out of pocket (co-pay) payment to your Dentist is shown on the Schedule of Benefits. Click "Plan Brochure" above, then scroll to find the Schedule of Benefits for a complete listing of covered services with co-pays.

Exclusions: nan

Variant attributes

FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers · Variant 31256MI0010006-01

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2025

CSR Variation Type

Standard High On Exchange Plan

HIOS Product ID

31256MI001

Metal Level

High

Plan ID (Standard Component ID with Variant)

31256MI0010006-01

Plan Marketing Name

FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers

Plan Variant Marketing Name

FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers

Issuer & service area

Issuer-provided metadata for this variant.

Issuer ID

31256

Issuer Marketplace Marketing Name

DENCAP Dental Plans, Inc

Market Coverage

Individual

Multiple In Network Tiers

No

National Network

No

Network ID

MIN001

Out of Country Coverage

No

Out of Service Area Coverage

Yes

Out of Service Area Coverage Description

In-Network Dentstis outside of Service Area

Service Area ID

MIS001

State Code

MI

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Inpatient Copayment Maximum Days

0

Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out

Not Applicable

Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Group

$850 per group

Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Person

$425 per person

Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Individual

$425

Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Individual

Not Applicable

Enrollment & documents

Issuer-provided metadata for this variant.

Plan Brochure

Open link

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Dental Only Plan

Yes

EHB Apportionment for Pediatric Dental

0.46

First Tier Utilization

100%

Import Date

2024-09-09 20:01:26

Guaranteed Rate

Guaranteed Rate

New/Existing Plan

Existing

Medical EHB Deductible, Combined In/Out of Network, Family Per Group

per group not applicable

Medical EHB Deductible, Combined In/Out of Network, Family Per Person

per person not applicable

Medical EHB Deductible, Combined In/Out of Network, Individual

Not Applicable

Medical EHB Deductible, In Network (Tier 1), Family Per Group

$0 per group

Medical EHB Deductible, In Network (Tier 1), Family Per Person

$0 per person

Medical EHB Deductible, In Network (Tier 1), Individual

$0

Medical EHB Deductible, Out of Network, Family Per Group

per group not applicable

Medical EHB Deductible, Out of Network, Family Per Person

per person not applicable

Medical EHB Deductible, Out of Network, Individual

Not Applicable

Plan Effective Date

2025-01-01

Plan Expiration Date

2025-12-31

Plan Type

HMO

QHP/Non QHP

Both

Source Name

SERFF

Plan ID

31256MI0010006

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Michigan?

FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers (31256MI0010006) is a High HMO from DENCAP Dental Plans, Inc in Michigan for the 2025 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers HSA-eligible and does it include dental or vision coverage?

HSA eligibility is not published; check the Summary of Benefits or ask the issuer.

Dental add-ons: Adult, Child.

Vision coverage is not listed for this plan.

Does FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Is there out-of-country coverage for FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers?

No, out-of-country services are not covered for this plan.

Does FLEX DHMO DENTAL NO DEDUCTIBLE; coverage for adults and children; free exam and fluoride; large network of providers cover care outside the service area?

Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: In-Network Dentstis outside of Service Area

Disclaimer: Based on the Tue, 10 Mar 2026 06:40 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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