ODS. Healthcare from your head to your toes.

Individual dental plans with medical coverage

Your individual clients can take care of their whole health when they choose an ODS dental plan with medical coverage. Combining our dental and medical plans provides your clients with full healthcare coverage, ensuring they stay healthy from their head to their toes. Our dental plan provides our members access to the nation’s largest dental network, Delta Dental, and our medical plans provide all the tools and services members need to manage their health.

Easy, flexible dental coverage

Members get access to the largest directly contracted PPO network in Oregon, but also have the freedom to choose any licensed dentist.
myODS, our personalized member website, offers all insurance-related information at one convenient online location. Members can access their Member Handbooks, claims status and history, detailed benefit information, health tools and more.
Class 1 and Class 2 services have no waiting period and some Class 3 services have a 12-month waiting period.^*
Members save money with filed fees from participating dentists and increasing maximums.
Members have no claim forms to fill out, and our claims payment is prompt and accurate.
Members can receive a pre-determination of benefits if requested in a pre-treatment plan.
Our innovative Oral Health, Total Health program offers extra dental coverage to diabetic and pregnant members, who are at a higher risk for dental issues.

^*Waiting period may be waived by creditable prior coverage from a comparable plan.

Dental plan options

ODS offers a selection of individual dental plans to fit your client’s specific needs. These dental plans require enrollment in an ODS individual medical plan.

Apply online or download a paper application for individual insurance.

Deductible	Benefit
Rates Delta Dental Premier
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. Indemnity plan DeductibleThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment. applies to all services Network includes more than nine out of 10 practicing dentists in Oregon
$50	80%/80%/50%
Rates Delta Dental PPO
Like the Premier plan, this preferred providerA provider contracted within a network. By choosing a preferred provider, members’ out-of-pocket expenses are less than if they choose a provider outside the network. option offers access to the largest PPO network in Oregon and across the country. The Delta Dental PPO plan, however, offers a unique feature: It is the only PPO program in the nation with a built-in "safety net" that protects members from balance billing when they seek services outside of the PPO network. DeductibleThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment. waived for Class I services rendered by a participating PPO dentist Largest PPO dental network in the state Members are protected by the Premier safety net.
Deductible	Benefit
$50	100%/80%/50%

View dental limitations and exclusions

Medical plan options
ODS offers a variety of individual plans. Coverage varies from plan to plan, so look for the features that best fit the individual member’s healthcare preferences.

Apply online or download a paper application for individual insurance.

Click on a deductible amount to see the benefit summary for that plan.

Deductible optionsThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment.	Office visit	Pharmacy
Rates Maximizer (PPO)
The Maximizer plan is ideal for individuals who want broad coverage for a range of services, including pharmacy benefits.
$1,000 $2,500 $5,000	First 6 at $20	$2 value tier, $15 generics, 50% brand
Rates Beneficial Rx (PPO)
The Beneficial Rx plan is best for those looking for a higher level of benefits and a lower total out-of-pocket costA specified amount of applicable claims expenses in a plan year that must be met before benefits are paid in full. Once the member has met his or her out-ofpocket maximum, the plan begins covering eligible expenses at 100 percent. The out-of-pocket maximum starts over every plan year..
Deductible optionsThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment.	Office visit	Pharmacy
$1,000 $2,500 $5,000	First 3 at $15	$2 value tier, $15 generics, 50% brand
Rates Beneficial Value (PPO)
The Beneficial Value plan is suited to individuals shopping for a lower premium cost.
Deductible optionsThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment.	Office visit	Pharmacy
$1,000 $2,500 $5,000 $7,500	First 3 at $25	Optional¹
¹If selected, prescription rider provides $2 value tier, $15 generics, 50% brand name. View Rx rider rates
Rates Health Savings Account (HSA) 3000
HSA plans offer lower insurance premiums through a high deductibleThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment. health plan coupled with a bank account in which you accumulate tax-advantaged savings through your contributions to pay for qualified medical expenses until your deductible is met. More about HSAs
Deductible optionsThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment.	Office visit	Pharmacy
$3,000 (individual) $6,000 (family)	0%	0%
Rates Health Savings Account (HSA) Value
HSA plans offer lower insurance premiums through a high deductibleThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment. health plan coupled with a bank account in which you accumulate tax-advantaged savings through your contributions to pay for qualified medical expenses until your deductible is met. More about HSAs
Deductible optionsThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment.	Office visit	Pharmacy
$2,800 (individual) $5,600 (family)	50%	50%

Enrollment for applicants under age 19

Beginning August 1, 2011, ODS will resume accepting applications for children under age 19 each month. The first effective date for these applications will be September 1, 2011.