Dental insurance in Ohio is affordable, easy to apply for and available through many of the most recognized insurers. The cost of good managed-care coverage, which includes regular preventive checkups, is actually less expensive than most people realize. Anthem Blue Cross, UnitedHealthcare, Medical Mutual and Humana are four of the larger providers in the state. There are also many other smaller carriers that offer “discount “plans.
We combine more than 37 years of experience with our unmatched and unbiased knowledge of insurance coverage. You’ll view the lowest available premiums on our website, and if you wish to apply for a policy, you’ll be amazed at how quick the process is. Many of the plans offer vision riders, if you need glasses, contact lenses or any other eyecare. With many plans, you can choose your own dentist.
We have carefully picked the best policies in the state and made them available to you. Pediatric coverage is also automatically covered through many Exchange plans. If you need help with enrollment, or subsidy calculation, please notify us.
Managed Care Vs. Indemnity
There are two classifications of dental plans in Ohio. "Managed Care" utilizes networks of dentists, specialists and oral surgeons, the same way health networks group doctors and hospitals together. The service you receive is priced in advance at a pre-arranged rate.
For example, while the cost of a tooth extraction might be $120 for someone without coverage, when you utilize a network provider, the cost might reduce to $90. Or perhaps even $60 or $70. It makes a big difference!
Indemnity policies usually require you to pay for your services first. A claim is submitted and you wait for your reimbursement. Although you have a wider selection of facilities to use, most persons don't like to pay for treatment up front.
Keeping your teeth and gums healthy is much easier if you have regular coverage. Also, most of the choices you see are "managed care" instead of "indemnity" policies. This allows you to submit a claim and take advantage of pricing discounts instead of paying for services upfront. Listed below are your best options.
Also provided is a link for each company that shows you specific benefits. We urge you to view the information from the link as you are reading this page. You can also contact us for additional specific details.
Anthem Blue Cross Ohio
“Dental Blue Basic 100” is the most affordable option from Anthem. Unlike their other two options, there is no waiting period to utilize coverage. Preventive and diagnostic expenses, such as cleanings, x-rays, oral evaluations, sealants and fluoride treatments, are covered at 100% with no out-of-pocket expense (assuming you receive service at a Network provider).
Minor restorative benefits are provided at 80% coverage. Some of the more common benefits include space maintainers, composite and amalgam fillings, pin retention and emergency palliative pain treatment. Simple extraction, oral surgery and anesthesia benefits are not provided under the basic plan. There is also a $500 limit on annual provided benefits, which is usually sufficient, unless of course, you have a major procedure.
“Dental Blue Essential 100 & 200” are more comprehensive options for your needs. In addition to the benefits the “Basic” plan provides, this policy offers coverage for many additional items, such as impacted teeth removal, anesthesia, crowns, root canals along with many periodontal and endodontic services.
A fee schedule determines how much of the non-preventive expenses are covered. Orthodontia is not covered under the Anthem contracts and is rarely covered under any other personal medical policy. As previously mentioned, we highly recommend viewing the specific rates and coverages here for more extensive information.
Medical Mutual Ohio
Medical Mutual is one of the oldest and most revered insurers in the state. They are also a non-profit company that offers three plan options. For example, the monthly rate for Plan 3 is about $17-$20 monthly per person, which is less than Anthem. However, there are some differences in coverage. Medical Mutual’s Plan 3 dental policy does pay for 100% of preventive dental expenses including two exams and x-rays per year, fluoride, and other common benefits. Fillings are also covered, but at 80% instead of 100%.
However, many non-preventive expenses are not covered, including crowns, anesthesia, dentures, extractions and restorative treatment. A full listing of benefits can be provided upon request. Also, they require an annual payment, instead of the more common monthly option.
Plans 1 and 2 offer more comprehensive benefits. After the $100 annual deductible, up to $1,000 of benefits can be accessed. Also, both basic and major services are covered, although coinsurance ranges between 20% and 70%. Family members are also able to use different dentists.
"Major" services include inlays and onlays, crowns, bridgework, complete and partial dentures, endodontics and crowns.
If you want an inexpensive dental plan that specializes in preventive benefits, and you don’t anticipate using your benefits for major expenses, then the Med Mutual policy is a good buy. It is also a good beginning policy if you don't have or never had this type of coverage before. And of course, policies can be terminated at any time.
UnitedHealthcare (UHC) is one of the largest health insurance companies in the state and the US. They offer two very reasonably-priced policies... The “Premier” and “Value” plans. The Premier plan is ideal if you are not using a provider in the UnitedHealthcare network. However, the “Value” option utilizes Network discounts and therefore costs less. If your dentist is a Network provider, this plan may be best for you.
UHC also includes discount dental and vision benefits in their health care plans. It is part of the FACT coverage in Golden Rule plans. Although it is just a discount type of policy, it's a nice basic added feature to their plans.
The Premier and Value plans provide 100% coverage on preventive expenses and you do not have to meet any deductible or waiting period. “Basic” services including simple extractions have a 6-month waiting period. And major treatment, which includes root canals, bridges and surgical extractions, have a 12-month waiting period.
A $50 per year deductible applies to the Basic and Major benefits. The UnitedHealthcare Network is countrywide and consists of more than 100,000 providers. We highly recommend you view specific benefits here:
Ohio Dental Discount Plans
The biggest advantage of having a discount plan is the cost. They are very inexpensive compared to conventional dental policies. Premiums can be as low as $90 per year for an individual and $150 per year for an entire family. Preventive benefits are typically very inclusive. Routine checkups and basic x-rays are often covered with little or no out of pocket expense.
However, most other services are provided with discounts that are generally less than what is offered on conventional plans. For example, discounts on fillings, extractions and root canal treatment are generally 20%-35%, instead of 40%-75%. And although there are available dentists in all areas, the Network is smaller compared to Anthem or any of the other large carriers. But for basic cheap coverage, it’s not a bad option.
You can view, compare and apply for coverage here:
Humana is one of the nation’s largest insurers and offers three VERY affordable options. You can view details below. The three plans are:
Dental Preventive Plus allows you to use any dentist in the huge Humana network. And Ohio has plenty of providers to choose from. Like most plans, most preventive benefits are covered at 100%. Basic services are covered at approximately 50% while major expenses receive a discount. Cost is about $16 per month.
Dental C550 requires that you pick a primary care dentist for your benefits. A low $10 copy applies to office visits and filling and extractions also have very low copays ( $30 and $35). There are no waiting period and no benefit maximums. Typically, consumers keep coverage at least 12 months. Cost is about $15 per month.
Discount coverage provides cost reductions of up to 50%, depending on the service. It is not classified as insurance, but offers a quick cheap option to reduce your dental costs. Cost is about $11 per month. If you rarely use your policy, this choice may be most appropriate.
Humana plans are very affordable and popular. You can view benefits and apply for coverage here: