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Individual Dental Plans

 

     If you only get your teeth cleaned twice a year, it is usually less expensive to pay cash and not have dental insurance.  That said, major dental work can cost many thousands of dollars, especially if you need an implant of root canal and for many people dental insurance helps with these costs.  I offer an excellent and  robust dental plan with up to a $5000 annual benefit maximum:  Here is a quick overview of my 2 plans:

1.  BESTONE DENTAL:   The BestOne Choice plan will pay up to a $3000 or $5000 maximum benefit, and has no waiting period.  The plan has 2 national PPO Networks, or you can use any dentist willing to bill the plan.   After 12 months, the plan pays for major dental services at the 60% coverage level.  Read the brochure carefully for plan limitations and exclusions.   Coverage costs under $50 per month.

 2.  SPIRIT DENTAL:  The Spirit Dental plans are similar and pay for up to 3 cleanings per year.   They offer Network only plans and Choice plans that allow you to see any dentist.  They also have a vision insurance add-on.  BestOne has lower rates for their Choice plans.

 

1. BestOne Dental Plan

(Underwritten by Best Life & Health Insurance Company)

     Best Life utilizes dentist in the DenteMax network, or you can use the dentist of your choice (and likely pay more out of pocket).  There are several options when quoted, but I  recommend the more robust "Choice Plan" that offers either a $3000 or $5000 maximum benefit.  Rates are lower than the Spirit Dental plans below.

    The Choice plan includes all levels of care including crowns, bridges, implants and root canals in addition to preventative.

     To view the plan brochure to make sure you understand the coverage, waiting periods, and plan limitations and exclusions.   
 

Click to view the BestOne Dental Brochure

 

    BestOne Dental will pay for you to see out of network dentists, or you can save money be seeing a contracted dentist and receiving a contracted rates for services without being balance-billed.   To look up dentists in the contracted Dentemax Network  

CLICK to view BestOne dental providers

 

Get A Quote and Apply to Best One 

    Click on the link below to get a quote and to make application :  

CLICK to get a quote and enroll in BestOne Dental 

 

2.  SPIRIT DENTAL  (Underwritten by Ameritas Life Insurance Corp)

 

CLICK ON THE LINK BELOW TO VIEW THE PLAN BROCHURE:
Please carefully review the plan coverage and limitations prior to making application.

CLICK to view Spirit Dental brochure    

 

 Choice of Indemnity or PPO Plans 

    The Indemnity plans will pay more to your dentist if he is not in the contracted network than the BestOne plan will.   The PPO Plans require you to see a contracted dentist in the network.   

Choice to add Eyemed Vision rider 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.

Look up Contracted Dentists 

CLICK ON THE LINK BELOW TO REVIEW CONTRACTED DENTISTS.
Spirit Dental plans  use the Ameritas network of dentists.    

CLICK to search dentists in the Ameritas network

 

Get A Quote and Enroll: 


CLICK ON THE LINK BELOW to get a quote and to make application:

CLICK to quote and enroll in Spirit Dental

 

Using a PPO vs non-PPO Dentist

     Individual Dental insurance plans change from year to year, so this page gets updated multiple times per year. It is important to understand the difference to using a contracted dentist (also known as a PPO or In-Network dentist) and and non contracted dentist.   

    With the In-Network dentist, they agree to a fee schedule and should not 'balance bill' you if they don't think they get paid enough.   For example, if a fee schedule for a root canal is $1000 and the plan pays 50%, you can expect to pay $500 with a contracted dentist.  With a non-contracted dentist, if he normally charges $1400 and the 'contracted' rate the insurance will pay is $500, you will be billed $700--$200 more than you would with a contracted provider. 

 

Conclusion.   So while you have freedom to use any dentist, you will likely pay more if your dentist is not in the contracted provider 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.  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Delta Dental application

Click filename below to access file

2020_OR_Individual_Dental_Application_new.pdf

Delta Dental Brochure 2021

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2021_Delta_Dental_Plans.pdf

Spirit Dental Plan Brochure

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Spirit_Dental_brochure_2021.pdf

2021 BestOne Dental

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2021_BestOne_Dental_Brochure.pdf