Best Dental Insurance Plans Ohio
Best Dental Insurance Plans in Ohio: A Detailed Comparison (2025)
Choosing the right dental insurance plan in Ohio involves evaluating coverage options, costs, provider networks, and unique benefits. Below is a comprehensive comparison of top dental insurance providers and plans available to Ohio residents, based on coverage features, cost, and customer satisfaction.
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- No waiting periods on most preventive care
- Flexible plan options for individuals & families
- Instant online enrollment
- Nationwide provider networks
| Provider | Plan Types | Monthly Premium Range | Annual Maximum | Notable Features |
|---|---|---|---|---|
| Delta Dental | PPO | From $23 | Up to $2,000+ | Low/no deductibles, large network, strong customer satisfaction |
| Humana | DHMO, PPO | From $14 (DHMO) | $1,250–$1,500 | Low premiums, low deductibles, multiple plan choices |
| Anthem Blue Cross/Shield | PPO | Varies | Up to $2,500 | 100% preventive care, short/no waiting periods, family plans |
| Physicians Mutual | PPO | From $25 | Not listed | $0 deductibles, clear tiered coverage, fast online quotes |
| Ameritas | PPO | From $34 | $1,000–$2,000 | Orthodontic coverage, strong preventive/major service coverage |
| Renaissance Dental | PPO | From $37.45 | $1,000 | National network, good preventive coverage |
| MedMutual (Medical Mutual) | PPO | Varies | Not listed | Large Ohio network, no waiting for preventive, no referrals |
Key Plan Features and Coverage
Preventive Care
Most plans cover exams, cleanings, and X-rays at 100% with no waiting period.
Anthem and Delta Dental, in particular, offer strong preventive coverage with no deductible when using in-network providers.
Basic and Major Services
Coverage for fillings, root canals, crowns, and dentures varies by plan and tier.
Waiting periods for basic and major services are common but may be shorter with Anthem and MedMutual.
Ameritas stands out for including orthodontic coverage in some plans, which is rare among competitors.
Annual Maximums
Annual benefit maximums range from $1,000 (Renaissance) to $2,500 (Anthem, Ameritas higher tiers).
Humana increases annual maximums after the first year, rewarding long-term members.
Costs
Average premiums in Ohio are about $27 per month, with plans ranging from $7 to $59.99 depending on coverage level and provider.
Deductibles are generally low ($25–$50 per individual), and some plans offer $0 deductibles (Physicians Mutual).
Network Size
Delta Dental, Anthem, and MedMutual have some of the largest provider networks in Ohio, making it easier to find in-network dentists.
Always verify your preferred dentist is in-network to maximize savings.
Special Considerations
Marketplace Plans: Thirteen insurers offer stand-alone dental plans on Ohio’s Health Insurance Marketplace, with premiums from $7 to $49 per month. These plans are ACA-compliant for pediatric dental coverage, capping out-of-pocket costs for children.
Discount Plans: Dental savings plans (not insurance) are available and can reduce costs by 10–60% at participating dentists.
Medicaid/CHIP: Ohio Medicaid covers extensive dental services for adults and children, with braces available for those under 21
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| Feature | Delta Dental | Humana | Anthem | Physicians Mutual | Ameritas | MedMutual |
|---|---|---|---|---|---|---|
| Preventive Coverage | 100% | 100% | 100% | 100% | 100% | 100% |
| Deductible | $25–$50 | $50 | Low/None | $0 | Varies | Low |
| Waiting Period | Short/None | Short/None | Short/None | None (preventive) | Varies | None (preventive) |
| Annual Max | Up to $2,000 | $1,250–$1,500 | Up to $2,500 | Not listed | $1,000–$2,000 | Not listed |
| Orthodontics | Some plans | Rare | Some family | No | Yes | No |
| Network Size | Very Large | Large | Very Large | Large | Large | Large (Ohio) |
| Premium Range | From $23 | From $14 | Varies | From $25 | From $34 | Varies |
How to Choose the Best Plan
When comparing dental insurance in Ohio:
Assess your needs: Do you need basic preventive care, or are you anticipating major procedures or orthodontics?
Check networks: Confirm your preferred dentist participates in the plan.
Compare costs: Balance premium, deductible, and annual maximum with your expected dental usage.
Review waiting periods: If you need immediate care, prioritize plans with no or short waiting periods.
Consider family needs: Look for pediatric coverage or family plans if needed.
Conclusion
Delta Dental, Humana, Anthem, Physicians Mutual, Ameritas, and MedMutual are among the best dental insurance providers in Ohio, each offering distinct advantages in coverage, cost, and network size. For preventive care and overall value, Delta Dental and Anthem are top choices. For orthodontic needs, Ameritas stands out. Always compare current plan details and network participation before enrolling to ensure the best fit for your dental health and budget.
Best Dental Insurance Plans in Ohio – Frequently Asked Questions (FAQs)
What types of dental insurance plans are available in Ohio?
How much does dental insurance cost in Ohio?
Which companies offer dental insurance in Ohio?
Are pediatric dental plans ACA-compliant in Ohio?
Does Medicaid cover dental services in Ohio?
What is typically covered by dental insurance?
How do I find a dentist in my plan’s network?
Can I buy dental insurance outside of the Marketplace?
Does Medicare cover dental care in Ohio?
What factors should I consider when choosing a dental plan?
Are dental discount plans available in Ohio?
How do I enroll in a dental plan in Ohio?
Blake Insurance Group
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Blake Nwosu
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