Individual Dental & Vision Insurance

 

Overview

      Dental care can be incredibly costly. Dentists charge very different rates, some even double what a competitor charges for the same service. When buying a dental plan that use a Preferred Provider Network (Contracted Dentist for the plan) there are several big advantages:

1.  Contracted Rates:  The dentist can only charge you the insurance-contracted rate.   For major services this can save you up to 40% over the dentists normal billed rate.

2.  No Balance Billing:  The Dentist agrees to accept this contracted rate of service and cannot 'Balance Bill' you for the difference if they are in the network.

3.  Read the Fine Print:  Note that many services require pre-authorization, and ultimately this is your responsibilty, not the dental office; So read the fine print and exclusions prior to enrolling to avoid surprises later on.

Save yourself some time by calling me before you start digging into these plans.

If you want a plan that has no waiting period for Dental?   Start with the Spirit Dental plan.

If you want a plan with low premiums? Start with Starmont

If you want a plan with preventative & basic only because you never need major work? look at Starmount.

If you are coming off of another dental plan (covered past 12 months) and you want no wating period for services?  Start with Delta Dental.

Starmount Dental Plans Underwritten by Starmount Insurance Company

 
Main Advantage of the Plans:  The Starmount plans have 5 options starting at $12.69 per month for the preventative plan with vision included.   You can add the vision add on to any of the other plans.   Their best plan offers a $2000 annual maximum benefit.
 
Get quote, read brochure, check contracted providers and enroll: 

Click on the link below:
 

 

Delta Dental Plans  

Main Advantages of their Plans:
      Delta Dental will give you month-to-month credit towards the 12 month waiting period on major services if you have had prior dental coverage in the past 12 months.   

Underwritten by Moda Health 
 
    Of the 4 Delta Dental plans being offered, I recommend the Exclusive Plan for $34.00 per person.  You can only see any dentist in the Delta Dental PPO Network, there is no deductible, and they will waive your waiting periods if you provide proof of 12 months prior coverage without more than a 60 day break.  It could be your dentist is only in the Premier Network, not the PPO.  In which case the Premier plan may be better for you.
 
Click on the link to view the plan brochure which shows all of the Delta Dental Plans.

Contracted Dentist Directory:


If you locate your dentist in the directory below make sure they are in the Delta Dental PPO Network.  This is the network for the Exclusive Plan.  

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

 

 Apply/Enroll with the paper application    

    If you have had prior dental insurance the past 12 months, please use the paper application so that you can get credit towards the 6 and 12 month waiting periods.  To download the paper application please click on the link below:

 

 

Apply online direct    

    If you do use the online link below to apply, and you have prior dental coverage, be sure to contact Delta Dental in the first month of coverage to give them details of your prior plan so you can get credit towards the 6 and 12 month waiting period for class 2 and 3 services.  Click on the link below to enroll online:

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

 

Spirit Dental Plan Underwritten by Spirit Life Insurance Company
MAIN ADVANTAGE OF THIS PLAN:   This plan covers 25% of Major services with no waiting periods.  Most other plans have a 12 month wait if you were not previously covered.
          
 
Enroll online:  Quote, read brochure, check contracted providers:

Click on the link below to start a quote:
 

 

Magnum Dental Plans

Underwritten by Ace American Insurance Company

 
      The strength of the Magnum plans is the relative low premium, good list of network dentists, and higher out of pocket maximum options of $3000 and $5000.   Note the 12 month wait on Major services.
 
Get quote, read brochure, check contracted providers and enroll: 

Click on the link below:
 
 

 

 UNDERSTANDING THE PEDIATRIC DENTAL REQUIREMENT WITH THE AFFORDABLE CARE ACT

 

THE PROBLEM  

       Under the Affordable Care Act law, all medical plans are required to cover all 10 'Essential Health Benefits', one of those being pediatric dental coverage---even for adults! If a medical plan doesn't have this embedded pediatric in the coverage, the carrier needs to make the consumer buy a stand-alone plan, or attest that they are buying it elsewhere. 

THE SOLUTIONS   

     1.  Check your medical plan to see if it includes the embedded pediatric dental coverage for kids under age 19.    

    2.  You can buy dental insurance like the Magnum, Spirit, or Delta Dental plans.   Kaiser and Providence offer an optional dental plan you can also add.


     2.   If you want to fulfill the letter of the law, enroll in the $0 premium Delta Dental PPO Bright Smiles plan.   The plan has no cost for adults, but it also covers nothing either. The plan is designed to fulfill the Pediatric Dental requirement.

 

I'm happy to discuss these many options at your convenience to see which plan which 

Dan Neils 503-650-4325  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Spirit Dental Brochure

Click filename below to access file

Spirit_Dental_2016_Brochure.pdf

Magnum Dental

Click filename below to access file

Magnum_Dental_4-16_new1.pdf

2017 Dental Plans Compared

Click filename below to access file

2017_Dental_Plans_Compared.pdf

2017 Delta Dental Plans

Click filename below to access file

2017_Delta_Dental_Plans.pdf

2017 Delta Dental app

Click filename below to access file

Moda_Dental_Application_2017.pdf