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Oregon dental insurance guide 2022

Oregon dental insurance guide 2022

Oregon's health insurance marketplace has certified individual and family dental plans from six insurers

Dental insurance in Oregon

Oregon uses the federally facilitated health insurance marketplace HealthCare.gov for the sale of certified individual/family dental plans.

Not all insurers that offer medical plans through the Oregon exchange include dental coverage with their health plans, but stand-alone dental plans are available for purchase that cover both adults and children.

How much does dental insurance cost in Oregon?

For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $43 to $98 per month.

IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Oregon over a two-year period (2020-2021) was $51.47. (Typical family size was 1.2 to 1.4 persons.)

If a family is purchasing coverage through the health insurance exchange, the premiums associated with pediatric dental coverage may or may not be offset by premium tax credits (premium subsidies). Here’s more about how that works, depending on whether the health plan has integrated pediatric dental benefits.

Pediatric dental benefits in Oregon

The stand-alone pediatric dental plans available in Oregon comply with the ACA’s pediatric dental coverage rules. This means out-of-pocket costs for pediatric dental care will not exceed $375 per child in 2022 (or $750 for all the children on a family’s plan), and there is no cap on medically-necessary pediatric dental benefits.

As is the case for all essential health benefits, the specific coverage requirements for pediatric dental care are guided by the state’s essential health benefits benchmark plan.

The Oregon benchmark plan does include coverage for both basic and major dental services for children.

Six insurers offer stand-alone dental plans through the Oregon exchange

In 2022, six insurers offers stand-alone individual/family dental coverage through the health insurance marketplace in Oregon. These are dental plans that are not included with a medical plan and must be purchased separately:

  • Delta Dental of Oregon
  • Dental Health Services
  • Dentegra
  • Dominion National
  • Kaiser Permanente
  • PacificSource Health

This coverage can be purchased through Pennie during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event. Exchange-certified stand-alone dental plans are compliant with the ACA’s rules for pediatric dental coverage.

Can I buy dental insurance outside of Oregon’s exchange?

There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in the Beaver State. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Oregon Division of Insurance. If you would like to purchase a non-ACA qualified dental plan, ask a dentist for recommendations or search online.

There are also various dental discount plans available in every state. Dental discount plans are not insurance, but can offer discounted rates at participating dentists. Learn about the differences between dental insurance and dental discount plans.

To find plans in your area, search online for dental discount plans and the state you are looking to buy a plan in.

Medicaid/CHIP dental coverage in Oregon

Adults and individuals under the age of 21 enrolled in Medicaid in Oregon, known as the Oregon Health Plan (OHP), are eligible for extensive dental services. Those under 21 are eligible for additional services such as crowns, sealants, and root canals on the back teeth.

In conjunction with the OHP, Oregon operates its CHIP. This provides coverage to uninsured children and pregnant women with income above the eligibility limits for Medicaid. Services for CHIP clients are often administered through the state’s managed care delivery system.

Dental resources in Oregon

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There is no penalty for not having pediatric dental on your policy – and in most exchanges, you can purchase a plan without pediatric dental. But off-exchange, carriers are required ...
If you're an adult who bought a dental insurance plan, your out-of-pocket costs will depend entirely on the amount of dental care you need during the year. But for children, ...
For those who purchase their own insurance, the decision to purchase dental coverage is not always as clear-cut as the decision to purchase health insurance.
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Dental insurance and dental discount plans can both be useful in terms of reducing your total dental costs, but they vary significantly in terms of the benefits you get and ...

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Oregon health insurance marketplace 2023 guide

Six insurers offer 2022 plans in Oregon's exchange, with an overall average rate increase of 1.5%. Four of the six insurers are offering plans statewide.

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Check short-term health insurance plan availability in Oregon and shop for coverage. Learn about state regulations regarding short-term plan duration and renewal.

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It was a natural progression for Oregon to accept federal funding to expand Medicaid in 2014. Coverage is now available for all legally present residents with incomes up to 138 percent of poverty, and the federal government is picking up most of the tab for the newly-eligible enrollees. There's no longer a lottery system in Oregon — everyone who qualifies can enroll in the program.

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Medicare in Oregon

For all information on Medicare in Oregon, healthinsurance.org has you covered. Get all the resources you need to make an informed decision.

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Learn about health insurance coverage options in your state.

Our state guides offer up-to-date information about ACA-compliant individual and family plans and marketplace enrollment; Medicaid expansion status and Medicaid eligibility; short-term health insurance regulations and short-term plan availability; and Medicare plan options.