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 with 3 different companies:

 

 #1   INDEPENDENCE DENTAL PLANS

 

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. 

     2 PLAN TYPES:   

1. Indemnity plan: 
This plan type allows you to see any dentist.  If the dentist does not accept the insurance payment as payment in full they may choose to balance bill you the difference.  

IHC Independence Indemnity Brochure.pdf

2.  PPO Plan:  
With the PPO plan, you use a contracted dentist in the DenteMax network.  The dentist agrees to the insurance contracted rate and they are not allowed to balance-bill you for the difference.  

IHC Independence  PPO Plan Brochure.pdf

  You can search for contracted providers in the Dentemax Network 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 Wdsa0R4QmtONVBxM3F
zOC9IdHFWallaZHRzSVlLa 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

 

#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