To avoid misunderstandings regarding dental insurance, we wish our patients to know that all professional services rendered are charged directly to the patient and that the patients are personally responsible for payment fees. We will prepare necessary forms or reports to help you obtain your benefits from insurance companies. We do not render our services on the basis that insurance companies will pay all our fees. Each fee is individual for the individual patient.
- We do not accept any Oregon Health Plan (OHP) coverage
- We accept Care Credit
- We accept Visa or Mastercard
- 5% discount offered with payment of cash or check at time of service
- 10% senior discount (at age 65). 5% cash discount does not also apply.
Definitions
Annual maximum
The total dollar amount that a plan will pay for dental care incurred by an individual enrollee or family (under a family plan) in a specified benefit period, typically a calendar year.
Basic services/basic benefits
A category of dental services in an open network dental benefits contract that usually includes restorations (fillings), oral surgery (extractions), endodontics (root canals), periodontal treatment (root planing) and sealants. (This may vary by contract.) Typically, the same coinsurance percentage applies to all services grouped as basic services.
Deductible
A dollar amount that each enrollee (or, cumulatively, a family for family coverage) must pay for certain covered services before Delta Dental begins paying benefits.
Out-of-network
Out-of-network refers to a patient seeking care outside the network of doctors, hospitals or other health care providers that the insurance company has contracted with to provide care. It usually applies to health maintenance organizations (HMOs) and preferred provider organizations (PPOs).
Diagnostic and preventive services
A category of dental services in an open network dental benefits contract that usually includes oral evaluations, routine cleanings, x-rays and fluoride treatments. (This may vary by contract.) Typically, the same coinsurance percentage applies to all services grouped under diagnostic and preventive services.
Major services
A category of dental services in an open network dental benefits contract that usually includes crowns, dentures, implants and oral surgery. (This may vary by contract.) Typically, the same coinsurance percentage applies to all services grouped under major services.
Preferred provider organization (PPO) plan
A reduced fee-for-service plan that allows enrollees to visit any dentist, but encourages them to visit PPO network dentists to minimize out-of-pocket expenses. Enrollees usually pay less when visiting a PPO dentist.
