Individual Dental Plans in Oregon
 

Brief Overview of the IHC Dental Plans
(Underwritten by Ameritas Life Company)

    Dental Insurance plans are constantly changing.  One company will offer a plan I like, then discontinue it or jack up the premiums.  This web page changes multiple times a year as I readjust which plan to recommend for you.  Here's my current best offering:

 #1  IHC SOLUTIONS, INDEPENDENCE DENTAL PLAN

 

6 PLANS AVAILABLE:   
     The marketing group IHC Solutions is offering 6 new plan options underwritten by Independence American Insurance Company.  Premiums range from $29.23 to $41.97 per month.  The 3 Independence Plans are an Indemnity plan that allows you to go to any dentist without network contracts.  The 3 Independence PPO Plans offer a network of contracted dentists that agree to accept a lower contracted rate.  This can definitely save you money should you need some major work.  

INDEMNITY VS PPO PLAN BROCHURES:

IHC_Independence  PPO Plan_Dental.pdf

IHC_Independence_Indemnity_Dental.pdf

 

WHICH PLAN SHOULD YOU SELECT:  PPO or Indemnity  

  If your Dentist is in the contracted, Dentemax,  dentist network, choose the PPO Plan.  If your Dentist is not in the contracted provider list choose the Indemnity plan.   If you have some major work done now, I recommend the Spirit Dental plans below.

 

FIND A CONTRACTED DENTIST:   
    You can use any dentist, but if you see someone in the Dentemax Network you will only pay a contracted rate and save money. You can search for providers under the link:   http://www.dentemax.com/findadentist
 

WAITING PERIODS FOR SOME SERVICES:
    There is no waiting period or deductible for Preventative and Diagnostic services:  You can use it right away. There is a 6-month wait for 'Basic' care (fillings), and a 12 month waiting period for Major services to be covered. 

GET A QUOTE AND ENROLL: 
    You select the date you want your policy to begin with this plan as early as tomorrow.  Click the link below to get a quote, check the provider network, and apply/enroll.

https://www.ihcmarketplace.com/Quote/VVEwV3dWR Wdsa0R4QmtONVBxM3FzOC9IdHFWallaZHRzSVlLa VpZa0JzSlcwcXFjczFiL2VlWXNlU21tNmZtMg2
 

#2 SPIRIT DENTAL PLANS

 

     The Spirit Dental plans offer no waiting period for major services, but the benefit is lower year 1 at 25%, and increase years 2 and 3.  You get 3 covered cleanings per year at 100%, and a variety of plans that include implants.  The Network plans only allow you to see contracted dentists only, and the Choice plans allow you to see any dentist, or save money if you use a contracted provider.

        For an example, say your dentist told you that you need 2 crowns and quoted you $4100.  Were you to buy the insurance and use a network dentist, the plan may limit a crown to $1200 maximum per crown.   With a cost of $2400 for the 2 crowns, and 25% covered first-year,  having the insurance and using the contracted provider would cost you $1800 instead of $4100.   Would this make it worth buying the insurance?

 

GET A QUOTE AND ENROLL: 

Coverage can begin effective tomorrow or the 1st of the next month. 

Click on my link below to get a quote, check the provider network and apply/enroll:  

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

Note:   The plan uses the PPO Network 

     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.  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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