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City of Detroit Retirees

Home City of Detroit Retirees

Congratulations on your retirement from the City of Detroit! Your oral health plays an important role in your overall health and well-being. The DENCAP City Retirees Dental Plan helps you maintain a healthy smile with affordable coverage, low co-pays, access to Michigan's extensive network of participating dentists, and one of the highest annual maximums available to City retirees.

Dencap Dental Insurance
  • Preventive (cleanings, x-rays, exams)

    100%

  • Basic (fillings)

    85% †

  • Major (root canals, crowns, dentures)

    80-85% †

  • Specialty Care

    50%

  • Orthodontic Lifetime Maximum (Comprehensive Case Only)

    $1,800 for dependents up to age 19, $1,200 for adult member & spouse

  • Primary Care Maximum

    $2,500

  • Specialty Care Maximum

    $800

  • Total Annual Maximum

    $3,300

  • 2026 Schedule of Benefits and Fixed Copays

  • Provider Directory

† PERCENTAGES are APPROXIMATE, see co-payments as listed on the Schedule of Benefits and Fixed Co-Pays.

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