Dental Insurance Plan Quotes – Oregon
Get Free Quotes on Dental Insurance in OR
There are several different types of dental insurance plans available in Oregon. Finding the most affordable dental plan for you will depend on your individual or your family’s dental care coverage needs. Do you want to compare free quotes for Oregon dental insurance and discount plans available in your area? It is easy, simply type in your zip code above to get started. Before you begin though, make sure you know what the differences are between the different types of dental insurance and discount dental plans available in OR.
Types of Dental Plans Available in Oregon
There are five major types of plans available in Oregon. No plan is perfect for everyone. Some may have a cheaper price tag, but may not cover certain procedures or may be only accepted by a handful of dentists. Make sure you understand how each plan type operates so you can find a plan that works best for you or your family. The types of dental plans available in Oregon include:
- Indemnity plans
- Discount plans
- PPOs (Preferred Provider Organization)
- Fee schedule
- DHMOs (Dental Health Maintenance Organization)
Indemnity plans use a traditional fee-for-service model, in which the insurance provider agrees to cover a certain percentage of the cost of individual procedures. The amount the provider is willing to pay for each procedure is listed in their “fee schedule” which is determined by a UCR (Usual, Customary and Reasonable) Fee. The UCR fee is essentially the average cost of care from participating dentists, and helps the insurance company determine fair amounts for coverage. One of the greatest advantages of an indemnity plan is that they can be used at nearly any dentist. Indemnity plans typically pay reimbursements after receiving the bill, which may lead to higher out-of-pocket payments. Indemnity Plan providers in Oregon include Security Life Insurance Company Of America & Nationwide.
Discount plans are different from most types of dental insurance plans in that they don’t make reimbursements. Subscribers pay a monthly or annual fee in exchange for a discount card, which allows them to seek dental care at a discounted rate. There are general no limits on the amount of care one can receive with a discount plan, which makes these plans very attractive for patients who are dissatisfied with their current coverage. Because discount plan providers don’t make reimbursements though, a patient is typically responsible for the entire discounted rate at the time of service. Discount Plan providers available in Oregon include Patriot Health Inc., Careington International, and Aetna Dental.
PPOs (Preferred Provider Organizations)
PPOs work within a network of dentists. These dentists agree to offer their services to PPO members at a discounted rate in order to gain access to a large patient pool, which allows the provider to guarantee a maximum cost of care within the network. Any dental care sought outside the network is generally subject to a fee schedule that may be significantly more expensive than in-network care. PPOs may also require waiting periods for certain procedures, so be sure to check with each provider’s policy on emergency care. Nationwide is an Oregon PPO provider.
DHMOs (Dental Health Maintenance Organizations)
DHMOs are a type of “managed care” plan. Rather than covering a specific amount for each procedure, DHMO subscribers are typically only responsible for a co-pay at the time of the visit, which typically makes them more affordable than other types of plans. DHMOs also operate within a network, though they tend to be more strict than PPOs. Dentists within a DHMO are paid a fixed monthly rate by the provider in exchange for providing their services for free, which motivates them to provide quality preventative dental care to avoid more complicated procedures. Be sure to check the ratio of patients to dentists within the plan, as well as their policies for covering more expensive procedures. Dental Health Services is a popular DHMO provider in Oregon.
Fee Schedule Plan
Fee Schedule are similar to indemnity plans in many ways, but sometimes operate in networks of preferred dentists like a PPO. Fee schedule plans tend to list the dollar amount the provider is willing to pay for specific services, which is based on UCR fees like indemnity plans. They tend to offer lower premiums than most PPO or indemnity plans, but also have calendar year maximums and may require waiting periods or other restrictions for certain procedures. Check with each provider to determine how often they update their fee schedule. Security Life Insurance Company Of America is a well-known Oregon Fee Schedule Plan provider.