How much is dental insurance in Michigan? SecureDental PLUS, the dental plan quoted on this site, runs $40.06 to $49.59 a month on its top tier across Michigan ($43.87 in Detroit), and the Saver tier starts at about $27. Vision (PremierVision) is $12.15 a month. Neither is priced by age. In Michigan the plan is issued through a sponsoring association, so add $7.95 a month in dues and a $10 one-time fee. (October 2026 quotes; reviewed by Daniel Griffin, licensed independent advisor, NPN #22052447.)
Dental and Vision Prices in Detroit
| SecureDental PLUS tier, National Options PPO 30 network | Per month, one adult |
|---|---|
| Premium ($2,000 a year, orthodontia included) | $43.87 |
| Saver Plus ($1,500 a year) | $38.99 |
| Saver ($1,000 a year) | $29.61 |
| Premium on the Careington Dental PPO network | $38.15 |
| PremierVision (vision) | $12.15 |
| Association dues | $7.95 a month, plus a $10 one-time fee |
One adult, Detroit ZIP 48226, quoted October 2026. The same at 25, 40 or 60: these plans are not priced by age. Dental and vision together come to $56.02 a month, or $63.97 with the association dues.
Top-Tier Dental Price by Area in Michigan
The price follows the first three digits of your ZIP code, so it can differ between neighboring counties. Top-tier (Premium) price for one adult on the National Options PPO 30 network; Saver Plus runs about 89% of it and Saver about 67%.
| Premium tier | Counties (or parts of them) |
|---|---|
| $40.06 + $7.95 a month association dues | Alger County, Baraga County, Delta County, Dickinson County, Gogebic County, Houghton County, Iron County, Keweenaw County, Luce County, Mackinac County (part), Marquette County, Menominee County, Ontonagon County, Schoolcraft County |
| $43.87 + $7.95 a month association dues | Wayne County (part), Alcona County (part), Arenac County, Bay County, Clare County (part), Crawford County (part), Gladwin County, Gratiot County (part), Huron County (part), Iosco County, Isabella County (part), Lapeer County (part), Midland County (part), Ogemaw County and 4 more |
| $45.78 + $7.95 a month association dues | Ingham County (part), Kent County (part), Macomb County (part), Oakland County (part), Washtenaw County (part), Allegan County (part), Barry County (part), Berrien County, Branch County, Calhoun County, Cass County, Eaton County (part), Hillsdale County, Jackson County and 7 more |
| $47.69 + $7.95 a month association dues | Genesee County, Ingham County (part), Kent County (part), Oakland County (part), Washtenaw County (part), Wayne County (part), Alcona County (part), Allegan County (part), Alpena County, Antrim County, Barry County (part), Benzie County, Charlevoix County, Cheboygan County and 37 more |
| $49.59 + $7.95 a month association dues | Macomb County (part), Oakland County (part) |
“(part)” marks a county whose ZIP codes fall in more than one price area; your exact price shows when you enter your ZIP code below.
What Each Dental Tier Pays
SecureDental PLUS comes in three tiers. Every tier pays cleanings and exams in full from the first day.
| Saver | Saver Plus | Premium | |
|---|---|---|---|
| Cleanings and exams (in network) | 100% | 100% | 100% |
| Fillings and other basic care | 60% | 70% | 80% |
| Crowns, bridges and other major care | Discount only | 60% | 70% |
| Orthodontia | Discount only | Discount only | 70%, up to $500 a year and $1,500 lifetime |
| Most it pays in a year | $1,000 | $1,500 | $2,000 |
In-network percentages after a $50 deductible per person (capped at three people per family). Benefits come from the plan brochure; your certificate governs.
When Coverage Starts
Cleanings and exams are covered from day one. Fillings and other basic care start after one month. Crowns, bridges, dentures and orthodontia start after twelve months, so if you need major work soon, start the plan now and ask your dentist whether the work can safely wait. Stand-alone dental and vision plans can be bought in any month; they are not tied to Open Enrollment.
Vision Coverage in Michigan
PremierVision runs on the Spectera Eyecare Network and costs $12.15 a month in Michigan for one person: a $0 copay for the eye exam, a $10 copay for materials, a $150 frame allowance and a $200 allowance for contact lenses. Like the dental plan, it is not priced by age.
The Association in Michigan
In Michigan the plans are issued through a sponsoring association, the American Independent Business Coalition, so membership is part of enrolling: $7.95 a month and a $10 one-time fee, on top of the premiums above. The dues are charged once per membership, not once per plan, so dental and vision together still pay them once.
What These Plans Are Not
Dental and vision plans are excepted benefits under federal law: they are not minimum essential coverage and never stand in for a health plan. Both are guaranteed renewable to age 65. Children’s dental and vision are essential health benefits on marketplace health plans; adult dental and vision are not, which is why most adults buy them separately. On the marketplace, a dental plan can only be added while buying a health plan; these plans have no such rule.
How to Get Covered in Michigan
Put your ZIP code in the form below to see your area’s exact price, then a licensed agent confirms what is offered at your address and sends the quote the way you choose. Prefer to talk? Call (713) 575-9904.
Dental and Vision by County in Michigan
Genesee County (vision) · Ingham County (vision) · Kent County (vision) · Macomb County (vision) · Oakland County (vision) · Washtenaw County (vision) · Wayne County (vision)
Questions
How much is dental insurance in Michigan?
SecureDental PLUS runs $40.06 to $49.59 a month for one adult on its top tier in Michigan, depending on the ZIP code ($43.87 in Detroit, October 2026 quotes). In Detroit the Saver Plus tier is $38.99 and Saver $29.61. The price does not change with age. In Michigan the plan is issued through a sponsoring association, so add $7.95 a month in dues and a $10 one-time fee.
How much is vision insurance in Michigan?
PremierVision is $12.15 a month for one person in Michigan, at any age, with a $0 eye exam copay, a $150 frame allowance and a $200 contact lens allowance. In Michigan the plan is issued through a sponsoring association, so add $7.95 a month in dues and a $10 one-time fee.
Does dental insurance in Michigan have a waiting period?
Cleanings and exams are covered from day one. Basic care such as fillings waits one month, and major work and orthodontia wait twelve months.
Can I buy dental and vision insurance in Michigan at any time of year?
Yes. Stand-alone dental and vision plans can be bought in any month. On the marketplace, a dental plan can only be added while buying a health plan.