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Dental Insurance – Salem, OR

Making Dental Care Affordable for Everyone

Dental insurance claim form

At Cochell Family Dentistry, we want to make your dental experience here as comfortable and stress free as possible—including steps for payment. That’s why we are happy to work with your dental insurance, whether you have it through your employer or on your own. It can alleviate your out-of-pocket costs and make dental treatment more affordable and stay within your budget. Our dental team has years of experience getting patients the most out of their benefits, and we know we can do the same for you!

How Dental Insurance Works

Man smiling in dental chair

Just like car insurance, your dental insurance has a deductible, or minimum amount that you have to cover before the insurance company steps in to pay for services. Many dental insurances also have a yearly maximum, so you need to avoid exceeding that amount.

Every dental insurance policy is different, but most dental insurances have the following coverage:

We understand that the world of dental insurance can be confusing, but our experts can help you comprehend your policy’s benefits so that you can make the best treatment decisions and save on out-of-pocket costs.

What Is the Difference between Medical and Dental Insurance?

Although medical insurance does cover annual checkups and the like, it is mostly focused on treating existing problems. In contrast, dental insurance is centered on preventing them in the first place. Dental issues don’t just go away on their own like some medical conditions—they can only get worse if they aren’t addressed by a professional. As a result, it’s more affordable to fix a dental problem early while it’s small and easy to get rid of than to wait until it becomes a larger, more damaging problem later on. That’s why your dental insurance company is so willing to cover preventive and most minor restorative care.

In-Network vs Out of Network

Toothbrush floss and dental insurance forms

At Cochell Family Dentistry, we are used to working with every kind of insurance situation. We can help you maximize the coverage you have, giving you the most bang for your insurance buck.

In-Network Coverage

The following are the dental insurance companies that we currently work with in-network:

Please note that we are not providers of OHP.


Although mostly known for their health insurance, Moda teams up with Delta Dental to provide outstanding dental coverage. We are familiar with the ins and outs of working with this company to file claims. All you have to do is provide us with your information, and we take care of the rest! We can help you get the most value out of your benefits to take care of your smile.

Out of Network Coverage

Even if we are outside of your dental insurance’s network of preferred providers, we can still offer you the same quality dental care at a comparable cost. We can negotiate the world of dental insurance with you so that you have a smooth transaction, no matter your insurance situation.

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