Health Benefits Solution, Inc
Health Benefits Solution, Inc
Referrals are the Life Blood of our company -  503-922-2903  877-786-8347

www.QuoteHSA.com    www.HBS247.com   www.MyOregonAgent.com                      Please view our Testimonials!

Home
Request Information
Testimonials
Recommended Business
Contact Information
Your Agent
International Travel
Small Group Insurance
Dental Plans
OMIP
FHIAP
Health Insurance Plans
Health Savings Accounts
Student Health Insurance
Short Term Medical
Prescription Discount Card

Careington 11.95
Careington 15.95
Careington 29.95
Advantage Individual

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

Oregon Coast
North Coast
Astoria, Bay City, Beaver, Cannon Beach, Garibaldi, Gearhart, Hebo, Nehalem, Manzanita, Neahkahnie, Oceanside, Pacific City, Rockaway Beach, Seaside, Tillamook, Warrenton, Wheeler
Central Coast
Depoe Bay, Dunes City, Florence, Gleneden Beach, Lincoln City, Mapleton, Newport, Otter Rock, Reedsport, Seal Rock, Siletz, Toledo, Waldport, Winchester Bay, Yachats
South Coast

Agness, Bandon, Brookings, Charleston, Coos Bay, Coquille, Gold Beach,
Lakeside, Myrtle Point, North Bend, Port Orford, Powers, Wedderburn

Portland and Vicinity
Banks, Barlow, Beaverton, Camas, Canby, Clackamas, Clatskanie, Columbia City, Cornelius, Forest Grove, Gaston, Gresham, Happy Valley, Hillsboro, Lake Oswego, Marquam, Milwaukie, Molalla, North Plains, Oregon City, Portland, Rainier, Sandy, Scappoose, St. Helens, Tigard, Troutdale, Tualatin, Vernonia, West Linn, Wilsonville

Southeast Oregon
Adel, Adrian, Burns, Diamond, Drewsey, Frenchglen, Hines, Jordan Valley, Juntura, Lakeview, Nyssa, Ontario, Plush, Vale

Southern Oregon
CITIES Ashland, Butte Falls, Cave Junction, Canyonville, Central Point, Dillard, Drain, Eagle Point, Elkton, Glendale, Glide, Gold Hill, Grants Pass, Jacksonville, Klamath Falls, Malin, Medford, Merlin, Myrtle Creek, Oakland, Phoenix, Prospect, Riddle, Rouge River, Roseburg, Shady Cove, Sutherlin, Talent, Umpqua, White City, Winchester, Winston, Wolf Creek, Yoncalla
AREAS:  Applegate Valley, Illinois Valley


Willamette Valley
Albany, Alsea, Amity, Aumsville, Aurora, Brooks, Brownsville, Canby, Canyonville, Carlton, Corvallis, Coburg, Cottage Grove, Creswell, Culp Creek, Dallas, Dayton, Detroit, Donald, Dundee, Eugene, Falls City, Gates, Gervais, Halsey, Harrisburg, Independence, Jefferson, Junction City, Keizer, Lebanon, Lowell, Lyons, McMinnville, Mill City, Millersburg, Mt.Angel, Molalla, Monmouth, Newberg, Oakridge, Oregon City, Philomath, Salem, Scio, Scott Mills, Sheridan, Silverton, Sodaville, Springfield, Stayton, St. Paul, Sublimity, Sweet Home, Tangerit, Turner, Veneta, Walterville, Waterloo, Willamina, Woodburn, Yamhill

 

 

Dental Plans

Affordable, Low Cost Dental Plans

Talk with a real person 9:00 am to 9:00 pm    503-922-2903          877-786-8347


This product is currently only available to residents in Oregon.

Incentive and Dollar-Based Dental Insurance
for Individuals and Families in Oregon

Incentive Plan Description and Enrollment Form (PDF)

Dollar-Based Plan Description and Enrollment Form (PDF)

 


Regence BlueCross Dental "Health Policy Required for this Plan.

Careington Affordable, Low Cost Dental

Find a Provider Near You

$11.95 Dental Vision Plan

$15.95 Dental Vision RX Plan

$29.95 Dental Vision RX Medical Plan


"Recommended Dentist"

Dr. Dan Thompson 971-236-9356

17704 SW Jean Way, Ste 105, Lake Oswego, OR 9703

 

 

Individual Incentive Dental offers immediate access to quality, affordable dental care. The plan is procedure-based, but unlike traditional dental plans you are rewarded for receiving routine preventive care. Each year that you visit the dentist for a checkup and cleaning, means greater benefits and less out-of-pocket expenses the next year.

Individual Dollar-Based Dental puts you in control of your dental health dollars. 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 you decide to include an exam and cleaning, you are rewarded with a benefit increase the following year.

 

Individual, and Family Advantage Dental Plan

Find Member/Contracted Dentists in your area.

Enter your Zip Code
Look for providers with in miles from your zip code.

To See a list of all providers click here

 

Additional Information on Companies:  Return to Top
 
Careington - Advantage Dental
 
Receive quality dental and vision at affordable rates

Dental work and eye exams are an important – and often expensive – part of taking care of your health. With the Dental and Vision program, you can reduce your overall health care costs by taking advantage of deep discounts on dental and vision care.

Careington International logo


 
Dental Care - CAREINGTON International

 

Save 20% to 60% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals, and crowns at over 54,000 participating dentists.


 

  • No limits on use, everyone is accepted
  • No waiting or adminstrative forms to file
  • Cosmetic dentistry included such as bleaching, bonding, and veneers


 

EyeMed Vision Care logo



 
Vision care- EyeMed Vision

Members save 15% to 45% off the retail price of eyewear, exams, eyeglasses and contact lenses from more than 40,000 providers nationwide including access to independent Optometrists, Ophthalmologists, and Opticians and leading optical retailers such as Pearle Vision®, LensCrafters®, Sears Optical® and Target Optical®.

  • Replacement contact Lenses by mail
  • 15% off the retail price or 5% off the promotional price of LASIK or PRK procedures
 
Dental

Vision Care 

Pharmacy

 

Chiropractic

 

Alternative Health

 

Vitamins

 

Hearing Aids

 

Physicians  

 

Hospitals  

 

24-Hour Nurse line

 

LASIK Vision Correction

Teeth Whitening

Hydrabrush® Coupon

Mail Order Pharmacy

 

Online Drug Store

 

Diabetic Supplies

 

Member's Healthy Habits Web Site    

 

Return to Top

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.

Our Mission

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.

    Return to Top

    Guiding Principles

    As employees, we will:


    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
     

    Sample Savings

    Product/Service

    Average Cost *

    CI-5 Schedule Price

    Total Savings

    Adult Cleaning

    $82

    $52

    $30

    Child Cleaning

    $49

    $37

    $12

    Routine Checkup

    $39

    $27

    $12

    Four Bitewing X-rays

    $51

    $31

    $20

    Composite (White) Filling

    $131

    $76

    $55

    Crown

    (porcelain fused to noble metal)

    $843

    $584

    $259

    Complete Upper Denture

    $940

    $763

    $177

    Molar Root Canal

    $826

    $581

    $245

    Extraction (single tooth)

    $119

    $70

    $49

     * Actual savings may vary

     CAREINGTON International Corporation

     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.

     

    The Advantage Community

    Return to Top

    The Advantage system was founded in 1994 by a group of dentists in Roseburg Oregon.  They were concerned with the lack of access to dental care in rural Oregon.  The model they created addressed this concern as well as addressing the need for affordable and effective dental insurance to groups of all sizes throughout Oregon.  The Advantage Community consists of many independent yet mutually Inclusive Companies.

    • Northwest Dental Services, Inc.
    • Advantage Dental Plan, Inc.
    • Advantage Smiles for Kids

    Northwest Dental Services, Inc. is the company through which we administer the Oregon Health plan.  Through this division we provide for the dental health and needs of over 70,000 pregnant Mom’s, children, elderly and uninsured low income Oregon families.

    Advantage Dental Plan, Inc, is our for profit dental insurance company through which we offer a varied of group plans to employers of all sizes.  We also offer dental insurance products to individuals that do not have access to a group plan through their employer.

    Advantage Smiles for Kids is a not for profit company we established in 2003 to provide orthodontic care for at risk youth that were unable to afford such services.

     

    Frequently Asked Questions

  • Can drinking milk prevent tooth decay?
  • My six-year-old son has a cavity in one of his baby molars. Should I bother to have it fixed since he's going to lose it anyway?
  • Is there any relationship between teeth and sinus problems?
  • What is a crown?

     

  • Why do some teeth need fillings while others need crowns?
  • Is it always necessary to crown a tooth after a root canal?
  • If a tooth needs a crown, do I have to have a root canal?
  • Are yellow teeth a sign of bad oral hygiene?
  • Are dental whiteners and polishers good for teeth?
  • How much toothpaste per brushing is recommended?
  • What is the difference between fluoride rinse and fluoride tablets?
  • What is a tooth abscess?
  • Why are "sealants" sometimes recommended for children's teeth
    and how do they work?
  • Dental Health During Pregnancy
  • Mouth Injuries
  • Dental Do's - Birth to 3 Years
  •  

    Why Advantage?

    Advantage Dental Plan, Inc. is a community-based, independent group and individual dental insurance plan.  This insurance plan is sold through local agents and the internet and it offers maximum patient choice with quality benefits for all.  Advantage Dental Plan® offers many benefit options and plan designs so any employer can offer affordable dental insurance benefits to their employee’s.  Advantage also offers individual plans for those who are not able to get dental insurance through their employer

    Return to Top

    Links

    Dental Information

    Affiliated Businesses

    Member Benefit Companies

    • Dentrix
    • EagleSoft
    • BendTel
    • Tulsa Dental
    • http://www.nlm.nih.gov/medlineplus/dentalhealth.html

     

    Glossary

    Return to Top


    A B C D E F G H I L M N P Q R S T U V W


    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).

    Apex
    The tip or end of the root of the tooth.

    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.


    Return to Top

     INDIVIDUAL DOLLAR-BASED DENTAL INSURANCE

     

    PREMIUM RATES

    MONTHLY PREMIUM

    QUARTERLY PREMIUM

    PER MEMBER

    PER MEMBER

     

    Dental Only

    Dental & Vision

    Dental Only

    Dental & Vision

     

    Under Age 18

    $24.66

    $27.27

    $73.98

    $81.81

     

    18 through 64

    $44.99

    $49.61

    $134.97

    $148.83

     

    65 and over

    $56.98

    $62.89

    $170.94

    $188.67

    You may enroll for Dental Only Coverage or Dental with Vision Coverage.

    All members must be enrolled for the same coverage and premium payment schedule.

    HOW TO APPLY

    Please refer to the eligibility section of this brochure to be sure you meet the eligibility requirements.

    Complete the application in full. Missing information may cause your effective date to be delayed. If you have more than four children, please attach a separate list.

    Calculate the premium. Indicate if you are enrolling for the Optional Vision coverage. Be sure to select a monthly or quarterly payment schedule. Include the applicable payment for the first month or quarter of coverage, according to the payment schedule you have selected.

    You may enroll for Child Only coverage. If you are enrolling children only, a separate application must be completed and submitted for each child.

    If you have any questions, please call 503-721-7161 or toll-free 1-800-794-5390.