O
re
gon
Dental plans
to smile about
Individuals and families
Hello. Welcome to Moda Health and ODS,
the place you go for great dental care — because
good oral health is good for the whole body.
Since 1955, we’ve offered quality dental plans to folks
in the Northwest. Today, partnering with Delta Dental,
we continue to make dental care affordable and
accessible for all Oregonians.
As a member, you’ll find useful online tools, resources
and special programs that provide a little extra
attention for your pearly whites. When you need
a dentist, just tap into the extensive Delta Dental
Network for care, near or far.
Dental plans
Dental coverage for your total health
Healthy teeth are happy teeth. With our individual and family dental
coverage, you’ll have access to Delta Dental, the nation’s largest
dental network. Your smile will thank you, wherever you roam.
Individual dental plan highlights
Delta Dental plans have participating providers who will not charge more than ODS’ allowed amount. However, you’ll pay less by seeing participating PPO Network providers.
>Freedom to choose your dentist >No waiting periods for Class 1 services >Filed-fee savings from
participating dentists
>Predetermination of benefits if requested in a pretreatment plan >No claim forms
>Fast and accurate claims payment >Superior customer service
Delta Dental PPO Network
This is the largest preferred provider organization (PPO) network in Oregon and across the country. It includes more than 1,100 participating providers in Oregon. Our members who have a Delta Dental PPO or EPO plan enjoy better benefits by seeing dentists in the Delta Dental PPO Network.Delta Dental Premier Network
If you have the Delta Dental PPO plan, you can save money by seeing dentists in the Premier Network for out-of-network care. The Premier Network connects you with the largest dental network in Oregon and nationally. It includes more than 2,300 providers in Oregon.Delta Dental PPO plan
Enjoy a broad range of both services and providers with this preferred provider option (PPO) plan. You receive in-network benefits when seeing a Delta Dental PPO Network dentist. This plan also gives you the flexibility of seeing a Premier or noncontracted dentist under the out-of-network benefits.
Delta Dental EPO plan
This exclusive provider option (EPO) plan gives you a higher level of benefits than the PPO plan, but you must see Delta Dental PPO Network providers to receive a benefit. The EPO plan does not pay for services provided by a Premier or noncontracted dentist.
Delta Dental Individual —
Pediatric plan
This PPO plan is available to all members for coverage of children under age 19. It fulfills federal requirements for pediatric dental coverage.
Is my dentist in the network?
To find out, visit modahealth.com and use our Find Care tool. Just choose the Delta Dental PPO Network and search for participating dentists in your area.Together, we
Dental plans
Delta Dental PPO Delta Dental EPO Delta Dental Individual — Pediatric Plan
Calendar year costs
Deductible per person $0 $50 $0
Out-of-pocket max per person (under age 19) $350 for one member; $700 for two or more members $350 for one member; $700 for two or more members $350 for one member; $700 for two or more members
Annual benefit max (age 19+) $1,000 $1,000 NA
Under age 19 Ages 19+ Under age 19 Ages 19+ Under age 19 Ages 19+ In-network,
you pay Out-of-network, you pay In-network, you pay Out-of-network, you pay In-network, you pay Out-of-network, you pay In-network, you pay Out-of-network, you pay In-network, you pay Out-of-network, you pay In-network, you pay Out-of-network, you pay
Class 1
Exams and X-rays 30% 50% 30% 50% 0%1
Not covered 0%1 Not covered 30% 50% Not covered Cleanings 30% 50% 30% 50% 0%1 0%1 30% 50% Periodontal maintenance 30% 50% 30% 50% 0%1 0%1 30% 50% Sealants 30% 50% 30% 50% 0%1 0%1 30% 50% Topical fluoride 30% 50% 30%2 50%2 0%1 0%1,2 30% 50% Class 2
Space maintainers 40% 50% Not covered 30%
Not covered Not covered Not covered 40% 50% Not covered
Restorative fillings3 40% 50% 40% 50% 30% 30% 40% 50% Class 3 Oral surgery4 50% 50% 50% 50% 50% Not covered 50% Not covered 50% 50% Not covered Endodontics4 50% 50% 50% 50% 50% 50% 50% 50% Periodontics4 50% 50% 50% 50% 50% 50% 50% 50% Restorative crowns4 50% 50% 50% 50% 50% 50% 50% 50%
Bridges4 Not covered 50% 50% Not covered 50% Not covered
Partial and complete dentures4 50% 50% 50% 50% 50% 50% 50% 50%
Anesthesia4 50% 50% 50% 50% 50% 50% 50% 50%
Orthodontia5 50% 50% Not covered 50% Not covered 50% 50%
Features
Provider network PPO NetworkDelta Dental All other providers PPO NetworkDelta Dental All other providers PPO NetworkDelta Dental
Not covered
Delta Dental PPO Network
Not covered
Delta Dental
PPO Network providersAll other
Not covered Balance bill No Delta Dental Premier Network: No Nonparticipating: Yes No Delta Dental Premier Network: No Nonparticipating: Yes No No No Delta Dental Premier Net-work: No Nonparticipat-ing: Yes Cost
Monthly rate per person6 $27 $27 $27 $27 $27 $0
1 Deductible waived.
How to enroll
Eligibility requirements
>You and any dependents applying for coverage must be Oregon residents and live in Oregon at least six months out of the calendar year. >Eligible members include you, your
legal spouse or registered domestic partner, and any children up to age 26.
Easy steps to calculate
your premium
1
Jot down the rate for eachperson age 21+
2
Jot down the rate for each person(up to three*) under age 21
3
Add all of these rates togetherto get your family’s total rate
Terminating your plan
If you terminate this coverage, you must wait two years before you may re-apply for individual dental coverage through us, unless you qualify for special enrollment.
Special enrollment
Certain life events might qualify you for special enrollment. For example, having a baby or moving to a new state could make you or those you cover eligible.
Ready to enroll?
You can enroll in our dental coverage year-round. To get started, visit
choosemoda.com to pick the dental plan for you. Questions? Our friendly
staff is here to help. Call us toll-free at 855-718-1767, Monday through
Friday, 7:30 a.m. to 5:30 p.m. PT. TTY users, please call 711.
Glossary of terms
Healthcare lingo explained
Balance billing
Charges for out-of-network care beyond what your health plan allows. Out-of-network providers may bill you the difference between the maximum plan allowance and their billed charges. In-network providers can’t do this.
Coinsurance
The percentage of allowable charges for which the patient is responsible.
Copay
The fixed amount you pay for a specific covered healthcare service, product or treatment, usually at the time of receiving it.
Deductible
The amount you pay for covered healthcare services in a calendar year before the health plan starts paying for treatment.
Exclusive provider option (EPO)
EPO is a type of ODS (Delta Dental) dental plan. EPO members have in-networkcoverage when receiving care from a dentist contracted on the PPO Network panel. Providers contracted under this panel cannot balance bill. The EPO plan does not cover care from out-of-network providers (Premier and noncontracted providers).
Out-of-pocket maximum
The most an individual pays in a calendar year for covered healthcare services before benefits are paid in full. Once members meet their out-of-pocket maximum, the plan covers eligible expenses at 100 percent. The out-of-pocket maximum includes deductibles, coinsurance and copayments. It does not include disallowed charges or balance billing amounts for out-of-network providers.
Preferred provider option (PPO)
A preferred provider option (PPO) is a type of ODS (Delta Dental) dental or Moda Health medical plan. PPO members have in-network coverage when receiving care from a provider contracted on a PPO Network panel. Providers contracted under this panel cannot balance bill.Preferred provider
organization (PPO)
A PPO can also refer to "preferred provider organization." This is a panel of medical or dental providers contracted under Moda Health or ODS to provide in-network coverage at agreed-upon rates, with no balance billing. Members maximize their benefits by seeing in-network PPO providers.
We realize that the words used in health plan brochures can be confusing,
so we’ve made you a cheat sheet of sorts. To find even more definitions,
including a printable uniform glossary, visit the Learning center at
Limitations
Diagnostic and preventive
>Exam once in a six-month period
>Bitewing X-rays once in a 12-month period
>Full-mouth or panoramic X-rays once in a five-year period
>Cleaning (prophylaxis or periodontal maintenance) once in a six-month period
>Fluoride once in a six-month period under age 19
>Sealants limited to unrestored occlusal surface of permanent molars once per tooth in a five-year period Basic and major
>Bridges and dentures once in a seven-year period age 19 and over
>Dentures once in a 10-year period under age 19
>Crowns and other cast restorations once in a seven-year period
>Crown over implant once per lifetime per tooth space
>IV sedation or general anesthesia only with surgical procedures
>Scaling and root planing once in a two-year period
>Tooth-colored fillings or crowns on back teeth limited to amount allowed for metallic restoration
Exclusions
>Anesthetics, analgesics, hypnosis and medications, including nitrous oxide for adults
>Bridges under age 19
>Charges above the maximum plan allowance
>Charting (including periodontal, gnathologic)
>Congenital or developmental malformations
>Cosmetic services
>Duplication and interpretation of X-rays
>Experimental or investigational treatment
>Hospital costs or other fees for facility or home care
>Implants
>Instructions or training (including plaque control and oral hygiene or dietary instruction)
>Nightguards
>Orthodontia (exception for treatment of cleft palate under age 19)
>Out-of-network providers on the EPO plan
>Precision attachments
>Rebuilding or maintaining chewing surfaces (misalignment or malocclusion) or stabilizing teeth
>Services or supplies available under any city, county, state or federal law, except Medicaid
>Temporomandibular joint syndrome (TMJ)
>Treatment not dentally necessary
