Dental practices in Michigan
PlanOptica tracks 13 health and welfare plans sponsored by 13 dental practices in Michigan, covering 7,004 participants and $30M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 406 participants, and the most common size is 250 to 499 participants (31% of plans). The funding mix is split: 31% of plans are self-funded or mixed and the rest are mainly fully insured.
Unitedhealthcare Insurance Company leads by premium with a 32% share, followed by Cigna Health and Life Insurance Company and Affiliates at 26%. Marsh and McLennan Agency is the broker of record on 3 plans, more than any other firm, ahead of Lockton Companies, LLC (2). 85% of plans report broker compensation on Schedule A; the median brokered plan pays $141K a year, about 4.5% of premium. Troy, Grand Rapids and Southfield have the most plans.
Funding mix
- Fully insured6 · 46%
- Mixed3 · 23%
- MEWA3 · 23%
- Self-funded1 · 8%
Plan size (participants)
- Under 1001 · 8%
- 100 to 2493 · 23%
- 250 to 4994 · 31%
- 500 to 9993 · 23%
- 1,000 or more2 · 15%
Median plan: 406 participants. Median broker comp: 4.5% of premium across 11 brokered plans.
Top carriers, dental, Michigan
- 1Unitedhealthcare Insurance Company$9.8M3 plans · 32.5%
- 2Cigna Health and Life Insurance Company and Affiliates$7.8M4 plans · 25.9%
- 3Blue Cross Blue Shield of Michigan$3.8M4 plans · 12.6%
- 4Life Insurance Company of North America$2.3M4 plans · 7.6%
- 5Blue Care Network of Michigan$2.3M2 plans · 7.6%
- 6Kaiser Foundation Health Plan, Inc$1.7M1 plans · 5.5%
- 7The Lincoln National Life Insurance Company$489K2 plans · 1.6%
- 8Unum Life Insurance Company of America$408K1 plans · 1.3%
- 9Delta Dental of Michigan$380K2 plans · 1.3%
- 10The Guardian Life Insurance Company of America$296K2 plans · 1.0%
Top brokers, dental, Michigan
- 1Marsh and McLennan Agency3 plans$405K comp · 27.3%
- 2Lockton Companies, LLC2 plans$377K comp · 18.2%
- 3Usi Insurance Services LLC2 plans$130K comp · 18.2%
- 4Employee Health Insurance Managemen2 plans$9K comp · 18.2%
- 5Digital Benefit Advisors Northernca1 plans$74K comp · 9.1%
- 6Digital Insurance Inc1 plans$72K comp · 9.1%
- 7Doug Calkins1 plans$69K comp · 9.1%
- 8Gallagher Benefit Services Inc1 plans$67K comp · 9.1%
- 9Alera Group, Inc1 plans$62K comp · 9.1%
- 10Hub International Midwest Limited1 plans$22K comp · 9.1%
Largest dental practices in Michigan
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Board of Trustees of the Mda Health Plan Mda Health PlanAll plans | Okemos | MEWA | 1,941 | - | Priority Health |
| Redwood Mso LLC Redwood Dental Welfare Benefit PlanAll plans | Troy | Fully insured | 1,212 | $7.1M | Unitedhealthcare Insurance Company |
| Adg, LLC Adg, LLC Welfare and Fringe Benefit PlanAll plans | Southfield | Mixed | 761 | $1.1M | Life Insurance Company of North America |
| Orthodontic Partners, LLC Orthodontic Partners Health PlanAll plans | Grand Rapids | MEWA | 642 | $4.0M | Cigna Health and Life Insurance Company |
| Orthodontic Partners, LLC Orthodontic Partners Health PlanAll plans | Grand Rapids | MEWA | 624 | $4.3M | Cigna Health and Life Insurance Company |
| Great Expressions Dental Centers, PC Great Expressions Dental Centers, PC Welfare and Fringe Benefit PlanAll plans | Southfield | Mixed | 424 | $1.1M | Life Insurance Company of North America |
| Modern Dental America Holding, Inc Modern Dental America Holding, Inc. Health and WelfareAll plans | Troy | Mixed | 406 | $4.0M | Unitedhealthcare Insurance Company |
| MY Community Dental Centers MY Community Dental Centers Welfare PlanAll plans | Petoskey | Fully insured | 296 | $3.2M | Blue Care Network of Michigan |
| Dental Acquisition Group Dental Acquisition Group Health and Welfare PlanAll plans | Ann Arbor | Fully insured | 259 | $2.3M | Blue Cross of California |
| Tralongo LLC Wave Dental Professionals Health and Welfare PlanAll plans | Dearborn Heights | Fully insured | 193 | $1.4M | Unitedhealthcare Insurance Company |
| Dental Service Advisors, LLC Dental Service Advisors, LLC Health and Welfare PlanAll plans | Bloomfield Hills | Fully insured | 123 | $733K | Blue Cross of California |
| Dental Clinics North Dental Clinics North Welfare Benefit PlanAll plans | Harbor Springs | Fully insured | 110 | $1.2M | Blue Care Network of Michigan |
| Scott J. Ferguson, D.D.S Scott J. Ferguson, D.D.S. Profit Sharing PlanAll plans | Kimball | Self-funded | 13 | - | - |
Plans by city in Michigan
- Troy2 plans · 1,618 participants
- Grand Rapids2 plans · 1,266 participants
- Southfield2 plans · 1,185 participants
- Okemos1 plans · 1,941 participants
- Petoskey1 plans · 296 participants
- Ann Arbor1 plans · 259 participants
- Dearborn Heights1 plans · 193 participants
- Bloomfield Hills1 plans · 123 participants
- Harbor Springs1 plans · 110 participants
- Kimball1 plans · 13 participants
Frequently asked questions
How many dental practices in Michigan offer an ERISA health plan?
13 health and welfare plans from 13 dental practices in Michigan appear in plan year 2024 to 2025 filings on Form 5500, covering 7,004 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most dental practices in Michigan?
By Schedule A premium: Unitedhealthcare Insurance Company (32% of premium, 3 plans), Cigna Health and Life Insurance Company and Affiliates (26% of premium, 4 plans) and Blue Cross Blue Shield of Michigan (13% of premium, 4 plans).
Which benefits brokers work with dental practices in Michigan?
By number of client plans: Marsh and McLennan Agency (3 plans), Lockton Companies, LLC (2 plans) and Usi Insurance Services LLC (2 plans). 85% of plans report a broker.
How much do brokers earn on dental practices health plans in Michigan?
The median brokered plan reports $141K a year in broker commissions and fees, or 4.5% of premium. Figures come from Schedule A, Part I.
Are dental practices health plans in Michigan self-funded or fully insured?
Fully insured 46%, mixed 23% and MEWA 23%. Self-funded and mixed plans together make up 31%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery.
Prospect dental practices in Michigan
Open the welfare search with Michigan and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Dental in nearby states
Other healthcare specialties in Michigan
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery. Location is the sponsor's filing address in Michigan.