Individual Dental Plans in Oregon 

 

     Dental Insurance plans are constantly changing.  One company will offer a plan I like, then discontinue it or raise the premiums.  This web page changes multiple times a year as the plans available change.  The different options offer unique solutions for your dental needs.

 

 #1   INDEPENDENCE DENTAL PLANS

(Underwritten by Independence American Insurance Company
and administered by The Loomis Company)

 

6 Plans to choose from:  Indemnity & PPO Plans

     The marketing group IHC Solutions is offering 6 new plans called the Independence Plans:    3 of the Plans are 'Indemnity Plans', which means you can use any dentist.   The other 3 plans are PPO Plans--which actually offer better benefits because the cost with the dentist is fixed, and the dentist agrees not to 'balance bill' you if they don't get paid enough.

Reasonable premiums:  

     Premiums range from $30.11 to $43.28 per month.  These plans have no waiting period for Preventative and Cleanings, a 6 month wait for fillings, and a 12 month waiting period for major services including crowns, bridges, and other major care.    Coverage begin the 1st of the month following application and you can cancel anytime.
 

Choice to add Metal Gap 2 Accident & Critical Care policy 

      Many of my clients have high deductible Medical plans.  The Metal Gap2, MG35 plans offers supplemental medical benefits that will pay first-dollar up to $3500 for expenses related to an Accident, and $7500 in a critical care situation like a heart attack or life-threatening cancer.  This is really a nice supplemental policy to have if you lead an higher risk lifestyle like biking, hiking, skiing, and other sports that could lead to an accident.  You can click on the box to get a quote when quoting the dental.

 

Get A Quote and Enroll:

 https://www.ihcmarketplace.com/Quote
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zOC9IdHFWallaZHRzSVlLa VpZa0JzSlcwcXFjczFiL2VlWXNlU21tNmZtMg2

 

If you need major benefits now, or want a higher annual
maximum benefit, you may consider the Spirit Dental plans below:


 

#2 SPIRIT DENTAL PLANS

              (Underwritten by Ameritas Life Insurance Corp)

 

No Waiting Periods

    There are 2 major benefits of the Spirit Dental plans over the Independence plans.

1.  NO WAITING PERIODS:   There are no waiting period for fillings and major services:   However, there is a graded benefit, meaning the plan may pay 25% of major services year 1, and a higher benefit year 2 and 3.

2.  HIGHER MAXIMUM BENEFITS:   While Independence offers a $1000 of $1500 maximum benefits, the Spirit Dental plans offer up to a $5000 maximum benefit (increasing from year one).   

 

Choice of Indemnity or PPO Plans:  $1200-$5000 benefit max

The 4 Network plans only allow you to see contracted dentists only (PPO) , and the 4 Choice plans allow you to see any dentist (Indemnity), or save money if you use a contracted provider.   The benefit maximum ranges from $1200 to $5000 maximum.

 

Choice to add Eyemed Vision for $7 month additional

      When applying for coverage you have the option of adding a vision plan for $7 per month additional, perfect if you wear glasses or contacts.
 

 Get A Quote and Enroll: 


Coverage can begin either on the 1st or 15th of month.  Click on my link below to get a quote, review the plan coverage brochure, check the provider network and apply/enroll:  

https://spiritdental.com/index.php?option=com_scoreboard&view=scoreboard
&agent=001C000000zkC3VIAU

 

 

#3  DELTA DENTAL PLANS

 

ONLY AVAILABLE FROM NOV 1 TO DEC 15 SIGN UP WITH A START DATE OF JANUARY 1

    The Dental Dental plan I recommend is the $37 Exclusive PPO Plan.  The plan offers a $1500 annual maximum benefit, and the providers in the Delta Dental PPO Network agree to only charge the contracted rate without balance billing.  View the plan summary by clicking on the link below:

2019_Delta_Dental_Exclusive_PPO_1500_max_$37.pdf   
 

Search for providers in the  Delta Dental PPO Network using the link below:

https://www.modahealth.com/ProviderSearch
/faces/webpages/home.xhtml

CREDIT TOWARDS WAITING PERIODS:

    This is my only dental plan that offers you month for month credit towards the waiting periods of you have had dental coverage for the past 12 months with no more than a 3 month break.   The plan has a 12 month waiting period for major services and a 6 month wait for fillings.  Once enrolled, you have a month to call customer service to provide proof of your prior coverage to have these waiting periods waived.

GET A QUOTE AND ENROLL:

     Starting November 1 you can enroll in the Delta Dental plan by using by agent link below:

http://www.modahealth.com/shop?agentID
=757811&agentFN=Dan%20Neils

 

A NOTE ON DELTA DENTAL AND PREMIUM PAYMENT:

   Delta Dental is the worst company I have ever worked with when it comes to managing your billings.   Please, Please, Please sign up for the auto bill pay so that it is THEIR responsibility to take out the money.  If you send them a paper bill and check there is a good chance they will botch up the payment and maybe cancel you.  I've had it happen often.

     I'm here to help!  Give me a call at 503-650-4325 or email me questions at danneils@gmail.com and I'm happy to direct you to the plan to fit your needs and budget.  

 

Delta

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

IHC Independence Brochure

Click filename below to access file

IHC_Independence_Dental.pdf

Independence Indemnity Brochure

Click filename below to access file

IHC_Independence_Indemnity_Dental.pdf

Delta Dental Exclusive PPO Plan

Click filename below to access file

2019_Delta_Dental_Exclusive_PPO_1500_max_$37.pdf