Cascade Mountains CITIES: Brightwood, Camp
Sherman,
Cascade Locks, Cascadia, Chemult,
Chiloquin, Crescent, Crescent Lake, Detroit, Diamond Lake, Drew,
Estacada, Fort Klamath, Gates, Gilchrist, Government Camp, Idanha,
Klamath Agency, La Pine, Lakeview, McKenzie Bridge, Mill City, North
Umpqua, Oakridge, Prospect, Rhododendron, Sandy,
Sisters,
Sunriver, Warm Springs,
Welches, Westfir, Zigzag AREAS: Crater Lake National Park, Deshutes National Forest,
Fremont National Forest, Mount Hood National Forest, Rogue River
National Forest, The Three Sisters, Umpqua National Forest, Willamette
National Forest, Winema National Forest
Central Oregon CITIES: Antelope,
Arlington,
Bend, Brothers, Condon, Culver, Dufur,
Fossil, Grass Valley, Hampton, Lonerock,
Madras, Maupin, Metolius, Mitchell, Moro,
Mosier, Paulina, Post, Prineville,
Redmond, Rowena,
Rufus, Shaniko, Spray,
The Dalles, Wasco
Northeast Oregon CITIES: Adams, Arlington,
Athena,
Baker City, Boardman, Canyon City, Condon,
Cove, Dayville, Echo, Elgin,
Enterprise, Fossil, Greenhorn, Haines, Halfway,
Heppner, Hermiston, Huntington, Imbler, Imnaha, Irrigon, Island City, John Day,
Joseph,
La Grande, Lexington, Long Creek, Lostine,
Medical Springs, Milton-Freewater, Monument, Mt Vernon, North Powder, Oxbow,
Pendleton, Pilot Rock, Prairie City,
Richland, Seneca, Summerville, Sumpter, Ukiah, Umatilla, Union, Unity,
Wallowa, Weston AREAS:
Hell's Canyon
Elect Dental coverage features quality benefits
covering your family’s needs, savings through low out-of-pocket
expense, and quality care from Advantage Dental Network
dentists:
• Diagnostic and preventive care services fully
covered. Routine examinations, cleanings, x-rays, sealants, and
space maintainers are covered at 100 percent when you receive
these services from an Advantage Network dentist.
• Save out-of-pocket expense. Your deductible is
zero when you see an Advantage Network dentist.
• Your annual maximum benefit grows over three
years. You will have a $750 annual maximum the first year,
$1,000 the second year, and $1,250 the third year and after.
• The Advantage Dental Network includes dentists
throughout Oregon, Idaho, and Washington. Advantage Dental and
their contracted network dentists encourage preventive care
services to help you maintain your dental health and avoid
severe problems.
• Out-of-network provider coverage: You may
choose to see an out-of-network dentist (a dentist who is not a
member of the Advantage Dental Network). Deductibles apply, and
we cover these services based on Advantage Dental usual,
customary, and reasonable charges.
Dental and Vision
Plan Options
Freedom to choose, and rewards for your
healthy decisions. That's what our plans are
all about. Depending on your zip code, we
have 2 or 3 dental plans you can choose from
to give you confidence that your family's
oral health is being looked after.
Individual
Dollar-Based Dental
The plan is dollar-based, a unique
departure from traditional procedure-based
coverage. Imagine spending your benefit
dollars almost any way you choose, on care
that's important to you and your family.
Each year that you decide to include an
exam and cleaning, you are rewarded with a
benefit increase the following year.
Every year the plan pays:
100% of the first $150 of care
80% of the next $500 of care, and
50% of remaining care until you
reach your annual maximum benefit, which
will increase each year you visit the
dentist (up to 4 times).
The plan is procedure-based. Unlike
traditional dental plans, you are rewarded
for receiving routine preventive care.
Each year you visit the dentist for a
checkup and cleaning means greater
benefits and fewer out-of-pocket expenses
the next year.
Annual benefits increase while
out-of-pocket coinsurance decreases.
When you get your teeth cleaned and
examined, you’re rewarded with greater
benefits the next year. By year four, you
can reach a maximum annual benefit of
$1,500.
The percentage the plan pays in
coinsurance can increase to 100% of
preventive care, 80% of restorative care
and 50% of major care by year three. This
means we’ll pay 100% of preventive care,
such as routine cleanings and exams; 80%
of restorative care, such as fillings; and
50% of major dental care such as crowns or
root canals.
You'll work with a participating
provider who can combine the best
available scientific evidence with
clinical experience to develop a
personalized oral health plan for you.
LifeMap partners with Willamette Dental
to bring you this option – so if you’re
currently seeing a Willamette dentist, or
would like to, this is the plan for you.
You can find addresses and directions at
WillametteDental.com.
*The Managed Care Dental Plan is
available only in certain areas.
This plan features:
No deductibles.
No annual maximums.
Routine exams, teeth cleanings,
periodontal screenings and evaluations
provided for just a $15 visit charge.
X-rays, fillings and a variety of
other dental services provided at a low
co-pay.
Orthodontia coverage regardless of
age.
Emergency dental care coverage.
Orthodontic and some major services
covered after a six-month waiting
period.
Optional vision rider available
(reimburses up to $150 in vision
services and/or hardware, including
LASIK, per member every two years).
Choose any of our dental plans, and
you’ll have the option to purchase a
vision rider. This coverage reimburses up
to $150 in vision services and/or
hardware, including LASIK, per member
every two years.
This
popular, traditional fee-for-service plan offers members
access to the largest dental network available in Oregon
and across the nation. Members can save money by seeking
care from participating Premier providers.
Members
can save on all dental charges and procedures including dental
restorative cosmetic work (fillings, dental crowns, dental braces,
dental implant's) and dental product related items, etc.), dental
hygiene services, preventative work (teeth cleaning, x-rays, etc).
General dentistry, dental hygienist, dental assistant, dental
assisting and all specialties where available are covered.
Save 20% to 60% on most
dental procedures including routine oral exams, unlimited
cleanings, and major work such as dentures, root canals and
crowns. The CAREINGTON dental plan is backed by our SATISFACTION
GUARANTEE. We have carefully selected the combined Careington
Dental Plan and EyeMed Vision Care, two of the nations largest and
best providers in their area of specialty.
Careington Dental Plan: Includes x-rays, exams, cleanings,
fillings, extractions, root canals, crowns, bridges, dentures,
oral surgery, children's dentistry, Orthodontics, Periodontics,
Endodontics, and more. Over 7 million members join the
Careington Dental Plan. CAREINGTON was among the first to offer
quality dental plans at a discount, we have had years to develop
an extensive provider panel, with over 35,000 participating
dentists. Immediate access available to the Careington dental
plan You can include your parents and other family members under
certain conditions.
CAREINGTON is one of the largest, most
comprehensive, privately held discount health care companies in
America. Through esteemed networks of providers, ancillary products
and specialty services covering the full continuum of care, CAREINGTON
offers innovative programs to compliment traditional health
insurance and provide substantial savings for under insured and
uninsured individuals.
Core Purpose
To improve the health and well-being of
individuals.
Core Value
Everything we do will be driven by:
Systematic improvement in the quality of dental care
Respect for the patient-provider relationship
Commitment to leading-edge innovation
Compassion for people
Honesty and integrity
Business Goal
To be the recognized leader in designing,
organizing and managing health care services in communities across the
United States. As a company, we will achieve this through a
customer-driven focus that emphasizes:
Quality. We will improve the quality of care by helping to
identify the most effective treatments, based on scientific
evidence, and sharing this information with providers, customers,
members and the public.
Value. We will deliver more value for the dollar to our
customers than our competitors.
Service. We will strive to deliver unparalleled service to
our members.
Efficiency. We will manage dental health care resources
efficiently and be disciplined about controlling costs.
Access. We will provide equitable and appropriate access to
care and deliver products that provide choice for consumers.
Education. We want members to play an active role in managing
their own dental health and will provide them with information and
support that will help them lead healthier lives.
Accountability. We will provide objective information that
will allow customers, members, and dental care providers to evaluate
our performance.
Look beyond the horizon. We will not be content with the
status quo. We will continue to explore new opportunities, propose
new ideas, and search for better ways to meet the needs of our
customers.
Work together. No one has all the answers. We will treat
each other with respect and solicit advice and assistance from our
co-workers. The best work comes from sharing our talents and hard
work with each other.
Think like customers. In every decision we make, we will
consider the value it provides to our customers. We will treat our
members the way we would want to be treated – with compassion,
respect, and unsurpassed services.
Act like owners. We will take responsibility for moving
business objectives forward. We will continually raise our own
expectations of what can be accomplished, and we will hold
ourselves accountable for reaching the goals we set.
CAREINGTON POS Dental Network
Provider Network: Over 54,000* available dental
practice locations nationwide
Discount Range: Save 20%-50% on everything from
general dentistry and cleaning to root canals, crowns and
orthodontia, 20% savings for specialists
Limitations.
This is a discount program. This is not an insurance plan. CAREINGTON
cannot guarantee specialty care in all areas. In cases in which you
are referred to a participating specialist, you will generally
receive 15% to 20% off their usual and customary fees. Please verify
such benefits with each individual provider. Work in progress, after
joining the plan, must be completed by the provider who started the
work. Any procedures performed by a non-participating provider are
not included. CAREINGTON International cannot guarantee the
continued participation of any provider. If he or she leaves the
plan, you will need to select another provider. Not all types of
providers may be available in your area. Some providers may charge
for missed or broken appointments if no prior notice is given. It is
the member’s responsibility to verify that the provider is a
participating provider. This plan does not include all procedures
which might be provided. Any procedure delivered which is not listed
on the Schedule of Services may cause additional cost to be incurred
by the member. The dollar amount specified adjacent to each
procedure may not be the only cost incurred for a given treatment
because the treatment may require more than one procedure. Note to
Utah Residents: This contract is
not protected by the
Utah
Life and Health Guaranty Association. The program and the program
administrators have no liability for providing or guaranteeing
service and have no liability for the quality of service rendered.
Abutment A tooth or implant used to support a
prosthesis. A crown unit used as part of a fixed bridge.
Abscess A localized inflammation due to a
collection of pus in the bone or soft tissue, usually caused by an
infection.
Abutment A tooth or implant used to support a
prosthesis. A
crown
unit used as part of a fixed
bridge.
Accident An event or occurrence which is
unforeseen and unintended.
Accident Insurance A form of insurance against loss by
accidental bodily injury.
Adverse Selection The tendency of persons who present a
poorer-than-average risk to apply for, or continue, insurance to a
greater extent than do persons with average or better-than-average
expectations of loss.
Agent An insurance company
representative licensed by the state who solicits, negotiates or
effects contracts of insurance, and provides service to the
policyholder for the
insurer.
Agent-brokers Career agents who place business with
companies other than their primary companies. Also known as agents
of other companies, surplus brokers, or simply
brokers.
Alveoloplasty A surgical procedure used to recontour
the supporting bone structures in preparation of a complete or
partial denture.
Amalgam A dental filling material, composed of
mercury and other minerals, used to fill decayed teeth.
Anesthetic A class of drugs that eliminates or
reduces pain. See
local anesthetic.
Anterior Refers to the teeth and tissues located
towards the front of the mouth (upper or lower
incisors and
canines).
Apicoectomy The amputation of the
apex
of a tooth.
Applicant The party applying for an insurance
policy.
Application A form that must be completed by an
individual or other party who is seeking insurance coverage. This
form provides the insurance company with much of the information it
will need to decide whether to accept or reject the risk.
