HealthMarkets Insurance - Lee Martin
21018 OR-99E, Aurora
insurance agency health point of interest
ATRIO Health Plans
2965 Ryan Dr SE, Salem
insurance agency point of interest establishment
Agape Insurance
19652 S McCord Rd, Oregon City
insurance agency health point of interest
Medicare, Health Insurance, Health and Dental, Lake Oswego
insurance agency health point of interest
The Insurance Store NW
252 A Ave #200, Lake Oswego
insurance agency health point of interest
Blue Cross Blue Shield Of Oregon
2535 SE Harrison St, Portland
insurance agency health point of interest
Willamette Dental Group
5935 SE Alexander St, Hillsboro
dentist health point of interest
VSP Vision Care
4380 SW Macadam Ave #310, Portland
insurance agency health point of interest
Permanente Dental Associates Pc
5025 SE 28th Ave, Portland
dentist health point of interest
South Waterfront Dental
3671 SW River Pkwy, Portland
dentist doctor health
Health Options Insurance
3601 SW River Pkwy, Portland
insurance agency health point of interest
AmeriPlan Dental Health Plans
200 SW Market St, Portland
dentist insurance agency health
Emergency Tooth Doctor Downtown
1505 SW Broadway, Portland
dentist health point of interest
3130 SE Division St, Portland
dentist hospital health
Bright Now! Dental
7206 NE Cornell Rd, Hillsboro
dentist health point of interest
826 SE Belmont St, Portland
insurance agency point of interest establishment
Sunset Dental
19075 NW Tanasbourne Dr #300, Hillsboro
dentist health point of interest
FamilyCare Health
825 NE Multnomah St Suite #1400, Portland
insurance agency health point of interest
Hazim Dental Clinic
3400, 12661 SE Powell Blvd ste e, Portland
dentist insurance agency doctor
Timber Dental
3500 NE Martin Luther King Jr Blvd, Portland
dentist health point of interest

More About Dental Insurance Services from Wikipedia

Dental insurance is a form of health insurance designed to pay a portion of the costs associated with Dentistry. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity, Preferred Provider Network (PPO), and Dental Health Managed Organizations (DHMO).

Generally dental offices have a Wikt:fee schedule, or a list of prices for the dental services or procedures they offer. Dental insurance companies have similar fee schedules which is generally based on Usual, customary and reasonable, an average of fees in an area. The fee schedule is commonly used as the transactional instrument between the insurance company, dental office and/or dentist, and the consumer.

Types of coverage

Indemnity Dental Insurance Plan

With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services. Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.

Dental Health Maintenance Organization (DHMO)

Dental Health Maintenance Organization plans entail dentists contracting with a dental insurance company that dentists agree to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider. Many DHMO insurance plans have little or no waiting periods and no annual maximum benefit limitations, while covering major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants, and dentures may have various limitations.

Participating Provider Network (PPO)

In the United States, Participating Provider Network or PPO, also referred to as Preferred Provider Organization, is an organization governed by medical doctors, hospitals, other health centers, and medical care providers. This organization has an agreement with an insurer or the third party administrator to provide health insurance to the people associated with their client at reduced or low rates. Participating Provider Network plan may work similar to a DHMO while using an In-Network facility. However, a PPO allows Out-of-Network or Non-Participating Providers to be used for service. Any difference of fees will become the financial responsibility of the patient, unless otherwise specified.


Dental insurance companies divide benefits, services, or procedures into categories and refer to them with American Dental Association (ADA) 3-4 digit code. As an example, Preventative and Diagnostic procedures often include exams (ADA code 0120), Dental radiography (ADA code 0210), and Dental cleaning or Preventive medicine#Prophylaxis (ADA code 1110). Basic procedures often include Dental restoration, Periodontology, endodontics, and oral surgery. Major procedures often are Crown (dentistry), dentures, and Dental implant. Procedures such as periodontics, endodontics, and Oral and maxillofacial surgery may be considered major, depending on the policy.


Some dental insurance plans may have an annual maximum benefit limit. Once the annual maximum benefit is exhausted any additional treatments may become the patient's responsibility. Each year, the annual maximum is reissued. The reissue date may vary as a calendar year, company fiscal year, or date of enrollment based on the specific plan.

See also

External links

*[ Dental plan benefit models] from the American Dental Association

Learn more about Dental Insurance Services: Insurance