dental

*Important Note for Peak Care Plus (DHMO) Plan Members

If you choose the Peak Care Plus (DHMO) dental plan, you’ll need to select a primary dental provider when you enroll.

There are two easy ways to do this:

During enrollment: Your American Fidelity representative can help you choose and submit your provider

After enrollment: Call our EMI Health Alpine Customer Support Line at (800) 650-0401, Monday–Friday, 6:00 AM to 6:00 PM

Need step-by-step help?
Click here to view the DHMO Provider Selection Flyer

Make sure you’ve selected a provider to avoid delays in using your benefits.

TO HELP YOU CHOOSE BETWEEN PLANS

Understanding EMI Health Dental Plan Types

EMI Health offers a variety of dental plans to meet different needs and preferences. The categories below provide a general overview of typical coverage features for each type of plan. While these descriptions offer helpful guidance, they may not reflect every detail.

Please refer to the official plan summaries for exact coverage levels, benefits, and limitations.

DHMO Plans

Peak Care Plus

Lowest cost, but most restrictions.
DHMO plans require members to choose a primary dentist from the network. That dentist manages all care and referrals. Services are either free or have low copays.

Best for: Employees looking for the most affordable dental option and willing to stay in-network.

No deductible or annual maximum
Must see your assigned dentist
No coverage for out-of-network care

Copay Plans

Advantage Copay (D2)
Elite Choice

Predictable costs, limited network.
Copay plans list set dollar amounts for each dental service. You know upfront what you’ll pay.

Best for: Employees who want budget certainty.

Fixed fees for each procedure
Often no deductible or coinsurance

PPO Plans

Choice PPO (D5)
Premier (100) (D3)
TDA Companion
TDA PPO MAC

Go to any dentist, but save more in-network.
PPO plans let you see any licensed dentist, but you’ll save more with in-network providers. They usually cover preventive care at 100% and partially cover basic and major services.

Best for: Employees who want flexibility and are willing to pay more for it.

Freedom to see out-of-network providers
No referrals needed for specialists
Often includes a deductible and coinsurance

Plan-in order of lowest to highest premium	Premium-Single	Network Name	Network Size	Orthodontic?	Best For:
TDA Peak Care Plus	$15.17	DHMO-UT		No	Low cost, no annual max, predictable costs
Premier 100 (D3)	$19.17	Premier		No	Preventive care only
Advantage Copay (D2)	$26.90	Advantage		No	Low cost, strong benefits, includes pediatric
TDA Elite Choice	$33.21	TDA PPO		No	Predictable costs, including specialists, high annual maximums
Choice PPO (D5)	$38.50	Advantage Plus+Premier		No	Specialists covered, out-of-network, has deductibles & annual maximums
TDA MAC	$41.62	TDA PPO		Yes	Specialists covered, out-of-network, has deductibles & annual maximums
TDA Companion	$45.97	TDA PPO		Yes	Specialists covered, best out-of-network, has deductibles & annual maximums

Please note: This chart highlights a few key differences between plans to help you compare at a glance. It does not include all features, limitations, or considerations. For a complete list of benefits, exclusions, and details, please refer to the official plan summary for each option.

Preventive Care
Basic Services
Major Services
Orthodontics

Includes cleanings, checkups, and routine X-rays. These are usually covered at a higher level and may not require you to pay anything out-of-pocket when you use an in-network provider.

icon_dental_extractions@300x Includes treatments like fillings and simple extractions. These services are often shared between you and the plan, depending on your specific benefits.

Includes crowns, bridges, dentures, and other more involved procedures. These are typically covered at a lower percentage and may come with higher out-of-pocket costs.

Covers braces and other alignment services. If your plan includes orthodontic coverage, it typically has a lifetime maximum per person. This means the plan will only pay up to a certain amount for orthodontic care—ever.

Step 1:

Use our Provider Search Page to check before you choose a plan. Staying in-network saves you money.

Some plans only cover in-network providers, while others allow out-of-network coverage at a reduced rate.
Look for:
• "In-Network vs Out-of-Network" section (often near the top chart)
• "Network / Reimbursement Schedule"
• Terms like MAC, R&C, or No Coverage

Tip:
If your dentist is not in the network, look for plans that reimburse using MAC (Maximum Allowable Charge) or R&C (Reasonable & Customary)—these allow some out-of-network flexibility.

Check how dependents are covered, especially for services like orthodontics or sealants.
Look for:

"Dependent Coverage" in the orthodontics or preventive sections
Age limits listed under fluoride, sealants, or orthodontics
“Type 4 – Orthodontics” section

Tip:
Most plans cover sealants and fluoride only up to age 16, and orthodontics for children 7–18.

Orthodontic coverage isn’t always included—and often has strict limits.
Look for:
• "Type 4 – Orthodontics"
• “Discount Only,” “No Coverage,” or specific coinsurance (%)

Tip:
Some plans cover orthodontics for children only, and only in-network. Adult orthodontics is often listed as “Discount Only” or not covered.

These fall under Type 3 – Major services and can be expensive.
Look for:
• "Type 3 – Major" coverage percentages
• Frequency limitations (e.g., “1 every 5 years per tooth”)
• Implant and anesthesia coverage

Tip:
Major services are usually covered at 40%–50% in PPOs, but copay plans often use fixed fees listed in a separate schedule.

Copay or DHMO plans offer set fees instead of percentages.
Look for:
• “See Co-Pay Schedule” or “Fee Schedule” under most categories
• No coinsurance percentages
• In-network only benefits

Tip:
If it says “See Co-Pay Schedule” in most sections and shows $0 deductibles, it’s a copay-style plan. These are good if you prefer cost certainty.

All plans include preventive care, but the cost and network rules may vary.
Look for:
• "Type 1 – Preventive"
• Coverage level (typically 100%)
• “In-Network” column vs “Out-of-Network” coverage

Tip:
Preventive services are almost always free in-network, but out-of-network coverage may be limited or not covered at all on some plans.

Plans with wider provider access usually come with higher premiums.
Look for:
• Monthly rates (Employee / Two-Party / Family)
• Out-of-Network reimbursement details
• “MAC” or “R&C” language

Tip:
Compare premiums shown at the bottom of the summary with flexibility offered in the coverage chart. PPO plans often cost more but let you see more dentists.

DHMO UT Network (Peak Care Plus Plan)

Member must choose a dentist from provider list and all care must be coordinated by them.

Narrow network

TDA PPO Network (Elite Choice, TDA PPO MAC, TDA Companion Plans)

Large network, includes pediatric providers

2,700+ providers in Utah

Advantage Network (Advantage Copay Plan)

Large network

3,100+ Providers in state

Advantage Plus & Premier Networks (Choice PPO)

Largest network, includes specialists

3,900+ Providers in state

Premier Network (Premier 100)

Largest network, includes specialists.

3,900+ dentists in Utah

DOWNLOAD THE MOBILE APP

Your Benefits, Right at Your Fingertips.

With our mobile app, you can view your digital ID card, check claims, find in-network providers, and track your benefits on the go. It’s the easiest way to stay connected to your coverage.

Key features include:

Digital ID cards for you and your dependents
Real-time claim status and benefit details
Quick access to provider search
Secure, simple login

Download the app now: Apple/App Store | Android Google Play

Your Dental Plan Options

Open Enrollment July 30-August 12

Your Dental Plan Options

Open Enrollment July 30-August 12

Ready to schedule your enrollment meeting? Virtual or In-person appointments now available.

Alpine Dental Plans

Alpine Uniserv Dental Plans

*Important Note for Peak Care Plus (DHMO) Plan Members

Understanding EMI Health Dental Plan Types

DHMO Plans

Copay Plans

PPO Plans

Compare Plans at a Glance

Understand the four main types of dental coverage categories

Preventive Care

Basic Services

Major Services

Orthodontics

Where to Find Your Coverage Details

A Few Important Things to Know

Deductible

Waiting Periods

Annual Maximum

Choosing the Right Dental Plan

Do you want to keep your current dentist?

Are you covering a spouse or kids?

Will you or your family need braces?

Do you expect major dental work (like crowns or dentures)?

Do you want predictable, fixed costs for each dental visit?

Are you only planning on getting cleanings and exams?

Are you okay with paying a little more each month for more provider flexibility?

EMI Health Utah Dental Networks

Search for a Dental Provider

How to identify the network from your plan summary:

Provider Network

Important Links

Alpine Uniserv/AEA

Ready to schedule your enrollment meeting?

Alpine Employee Gateway

Your Benefits, Right at Your Fingertips.

Customer Service