Dental insurance in Ohio is affordable, easy to apply for and available through many of the most recognized insurers. The cost of good Ohio dental coverage 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.
At Ohioquotes.com, we combine more than 30 years of experience with our unmatched and unbiased knowledge of dental coverage. You’ll view the lowest available premiums on our website and if you wish to apply for coverage, you’ll be amazed at how quick the process is. We have carefully picked the best dental plans in the state and made them available to you.
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.
Anthem Blue Cross Ohio Dental
“Dental Blue Basic 100” is the most affordable option from Anthem. Unlike their other two plans, 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.
“Dental Blue Essential 100 & 200” are more comprehensive options for your Ohio dental insurance coverage. In addition to the benefits the “Basic” plan provides, this plan 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 plans 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.
Anthem Ohio Dental Information
Anthem Ohio Dental Application
Medical Mutual Ohio Dental
Medical Mutual is one of the oldest and most revered insurers in the state. They are also a non-profit company that offers low dental rates. For example, the monthly rate is about $17 per person, which is less than Anthem. However, there are some differences in coverage.
Medical Mutual’s dental policy pays 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 found here.
Of you want an inexpensive dental plan that specializes in preventive benefits, and you don’t anticipate using your plan for major expenses, then the Med Mutual policy is a good buy.
Medical Mutual Ohio Dental Information
UnitedHealthcare Ohio Dental
UnitedHealthcare is one of the largest health insurance companies in Ohio and the US. They offer two very reasonably-priced dental policies... The Dental “Premier” and Dental “Value” plans. The Premier plan is ideal if you are not using a provider in the UnitedHealthcare network. However, the “Value” plan utilizes Network discounts and therefore costs less.
Both 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 of the two plans here: UnitedHealthcare Ohio Dental Information
UnitedHealthCare Ohio Dental Online Application And Information
Ohio Dental Discount Plans
The biggest advantage of having a dental 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 of Ohio, 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:
Ohio Dental Discount Plans
Humana Ohio Dental
Humana is one of the nation’s largest insurers and offers three VERY affordable dental options. You can view details here. 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.
Dental 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.
Humana plans are very affordable and popular. You can view benefits and apply for coverage here:
Humana Ohio Dental
