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Ohioans May Lose Their Dental Insurance

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Ohio Governor Ted Strickland is facing a massive budget shortfall of more than $3 billion. Filling that hole is not an easy task and many good programs may have to be cut back or eliminated. Some of the programs (other than dental coverage) at risk include preschool learning, Community health centers and mental health facilities.

The state’s poor could lose their Ohio dental insurance along with vision coverage and other types of care. However, administration officials say they plan to continue these services by temporarily using unspecified funds. Eventually, Strickland hopes the state will win a court case that will release $258 million of tobacco settlement money. If that does not occur, additional sever cutbacks could be coming.

Dental plans Ohio

Cheap Ohio Dental Plans

If you need comprehensive dental coverage instead of a “discount” type of plan, we will probably use Anthem, Medical Mutual or UnitedHealthCare. Please contact us (see top of page) for a free quote. Humana also offers very favorable prices.

Affordable Ohio dental insurance plans are available, regardless if the state cuts aid. A wide variety of plans can be found, with premiums ranging from $10-$70 per month. We’ll be happy to review any of the plans with you. Usually, annual preventive visits and x-rays are covered at or near 100% on most policies. But the larger claims (root canal etc…) can become tricky. You can expect a waiting period on most comprehensive plans, although the duration will vary.

To read more about Ohio’s budget problems and how it may affect you, please click here. Because this is a very fluid topic, budget changes can be made very quickly. Keep in mind that the article was from 2009 so it’s not so relevant any more.


Quality Health And Dental Insurance Plans In Ohio

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Ohio health and dental insurance coverage can be combined into one policy. Often, the major companies, such as Aetna, Anthem Blue Cross, and United HealthCare, will either include or offer separate riders for their dental coverage. Prices are generally fairly low, although sometimes it is best to separate plans to maximize your savings. We will help you find the best combination of benefits and low cost.

Below, you can view some of the features, coverages and approximate premiums of adding dental coverage to your Ohio health insurance policy. Remember that these are estimates and can change depending on your zip code and what pre-existing conditions (if any) you are being treated for. And if you are terminating  existing group coverage through work, remember that private policies usually offer less coverage than employer-provided benefits.

Ohio dental plans

Affordable Dental Plans In Ohio Are Available

United HealthCare includes a dental “discount” coverage with their basic Golden Rule plans. FACT (Federation of Consumers and Travelers) provides the discounts…usually between 10% and 40% on many dental and vision expenses. A more comprehensive dental insurance plan is also available for approximately $24-$34 per month per person. They have a large provider list in every part of the state.

Anthem Blue Cross Of Ohio offers a wide range of dental services that can be added as a rider to their health insurance plans. Both traditional and PPO plans are available at monthly costs between $22 and $36 per month per person.

Aetna offers two levels of dental coverage. If packaged with their Ohio health insurance plan, the cost is only $14 per month per person. A “stand alone” dental plan is also available for customers that do not own an Aetna health plan. The monthly cost is approximately $25.

Medical Mutual of Ohio offers a dental insurance rider with a $50 deductible. Once the deductible is met, most preventative services are covered at 100%. The approximate monthly cost is $15-$20. This plan does not include some of the major medical benefits that are found in most of the other options. The price is right, but not if you more in-depth benefits.

If your priority is keeping your premium low, you may wish to consider a discount plan. You can click here for complete details. There are about 15-20 choices, although they are of the policies listed are not going to pay 100% of your expenses, especially on the most expensive claims.

Comparing dental plans in Ohio is not easy. Benefits and pricing are always different and the list of exclusions can be long. If we can help, contact us and we will recommend  a few quality plans that are offered by reputable companies.