Dental Insurance Oregon Alternative - Consider Dental Discount Plans in OR
Consider the benefits to an Oregon dental discount plan. While dental insurance was once considered the best option for saving money on oral care needs, times have changed. Dental insurance premiums are skyrocketing, while individuals like retirees, self-employed workers and college students find it difficult to qualify for dental insurance plans.
Some dental insurance companies do agree to insure individuals, but at much higher yearly rates. Delta Dental offers a non-group plan in many areas, but the monthly rates often go as high as $150 to $200 a month and you still have to deal with deductibles, enrollment waiting periods and maximum yearly benefits.
Differences with OR Dental Discount Plan Coverage
A dental discount plan is not insurance. It's more like a membership plan that entitles you to discounted rates for dental services. You never deal with deductibles or maximum benefit limits, nor do you have to wait for weeks, months or years before coverage for things like root canals or crowns comes into effect.
With an Oregon dental discount plan, you pay a yearly membership fee. Many companies allow you to pay the fee using a monthly payment schedule, but some lower the membership fee if you pay for an entire year when you enroll.
Within days of enrollment, you'll receive your informative membership package. In that package is a discount dental plan card that you show to any participating dentist to receive discounted rates for all of your dental care needs. While dental insurance often excludes treatments considered cosmetic, dental discount plan coverage usually covers things like veneers, teeth whitening and resin (white) fillings in molars. Many discount dental plans also offer discounted prices on orthodontia and oral surgery.
The only thing you really need to remember with a dental discount plan is to make sure the dentist you pick is still a participating member of that dental plan. The membership package includes a directory to help you find dentists and specialists in your area.
Oregon Dental Discount Plan Coverage Options
In Oregon, dental discount plans are offered by the following companies:
- Access Dental
- Affordable Family Health Services
- Careington Care
- Coastal Dental
- Dental Care Advantage
- Dent-All Plan, Inc.
- National Discount Services
- OptumHealth Allies
- Patriot Plan
In many discount dental plan offerings, discounts range from 10 to 70 percent off normal dentist rates. You save a lot of money with the discounts and the fact that the yearly membership fees are a fraction of the typical cost of dental insurance. OR dental discount plans range from $80 to $200 for the entire year.