Individual Dental Plans in Oregon
 


BRIEF OVERVIEW:

 

PREVENTATIVE PLANS (no major services covered)  If you want dental to cover exams, cleanings, x-rays, and fillings mainly, the Starmount Basic 2.0 is a good plan for the cost.

PREVENTATIVE PLANS THAT INCLUDE MAJOR SERVICES LIKE CROWNS, BRIDGES, IMPLANTS, PERIODONTAL

     1.  The Starmount Ultimate 2.0 plan is a good value but has a 12-month wait on major services, so plan ahead if you think you may need some major work down the road.

     2.  The Spirit Dental plans have no wait for Major services.   If you need some major work done now, look at the Spirit Dental plan first.

UNDERSTANDING NETWORKS:   

     When you go to a dentist in the insurance plans Preferred or Contracted network, the dentists agree to accept what the insurance pays and not 'balance bill you for the difference'.   For example, for a cleaning, exam, and x-ray, the contracted insurance rate may pay the insurance company $110.   If you go to a contracted dentist, he agrees to accept this payment and you are covered 100%.   However, if you go to the non-contracted dentist who wants $210 for this same service, they will bill you the additional $100.   

 

Starmount Dental Plans
 

GET A QUOTE / APPLY FOR COVERAGE

   You quote all the plans using my link below:

https://www.dentalforall.com/default.aspx?linkid=mhi27xnj


Plans I recommend: 

  • Basic 2.0 plan: Plan excludes Class 3, major services
        
    Cost: $20.56 per month. This plan has no waiting periods and Class 1 services are covered at 100%: Class 2 (fillings and extractions) at 50%.  Class 3 major services are excluded.   This plan is a good value if your need for dental insurance is to cover your Class 1 and 2 services.

    View the Basic Plan summary:   
    Basic 2.0 Plan Summary.pdf
     
  • Ultimate Max 2.0 plan:  Includes Major services with a 12-month wait.
       Cost:  $34.67 per month with a $2000 maximum benefit.  This plan includes the Major Class of services but has a 12 month waiting period for the Major Class such as root canals, crowns, bridges, implants, etc.  Great if you see some major work needed in your future.


    Benefit Ultimate 2.0 PlanSummary:    Ultimate Max 2.0.pdf
     

FREEDOM TO USE ANY DENTIST: OR SAVE USING A CONTRACTED DENTIST
   You can use any dentist, or use a contracted dentist in the DenteMax and United Concordia network.  Contracted dentists agree to accept the contracted rate and not balance bill you the difference.  

You can search for a contracted dentist at the link below:

 https://www.dentalforall.com/ProvidersDental.asp

 

  • GOOD OPTIONAL VISION COVERAGE WITH BOTH PLANS:
         For $8.00 more per month you can a vision rider to either plan that provides a vision exam for $15, and money towards frames, lenses, and contacts.  It is well worth the $96 per year cost if you are due a vision exam.

     
  • View benefit Summary at link:             Vision Plan Summary.pdf

 

 Plan 2:  Spirit Dental  
(Better if you need some major work done now)

 

GET A QUOTE / APPLY FOR COVERAGE

   You quote all the plans using my link below:  

https://www.spiritdental.com/get-a-quote?%20agent=001C000000zkC3VIAU#/quote

 

     The Spirit Dental plans offer no waiting period for major services, but the benefit is lower year 1, 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.  The Choice plans allow you to see any dentist, or save money if you use a contracted provider. 

     The Network 1200 plan starts at
$36.10 per month with a vision rider for $7.00 more.   

 

Which plan is best for you?

 

     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.  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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

Kaiser Dental Plans

Click filename below to access file

2018_Kaiser_Dental_Brochure.pdf

Basic 2.0

Click filename below to access file

Preventative-Basic_Dental_(no_major).pdf

Ultimate 2.0 Plan

Click filename below to access file

UltimateMax2.pdf

Vision Rider

Click filename below to access file

Vision_Rider_$8.00.pdf