Dental Insurance Plans Ohio: Everything You Need to Know

Dental care is an important aspect of overall healthcare, and dental insurance helps mitigate the cost of dental procedures. If you live in Ohio and are looking for a dental insurance plan, you’ve come to the right place. In this article, we’ll cover everything you need to know about dental insurance plans in Ohio.

Types of Dental Insurance Plans Available in Ohio

There are two types of dental insurance plans available in Ohio:

1. Preferred Provider Organizations (PPOs)
2. Health Maintenance Organizations (HMOs)

Preferred Provider Organizations (PPOs)

A PPO dental insurance plan allows you to see any dentist you want, but you’ll get the best rates if you see a dentist within the insurance network. You also don’t need a referral to see a specialist.

However, if you do see a dentist outside of the network, you may have to pay higher out-of-pocket costs.

Health Maintenance Organizations (HMOs)

With an HMO dental insurance plan, you have to choose a primary care dentist who will coordinate your dental care within the network. If you need to see a specialist, your primary care dentist will refer you.

HMOs typically have lower out-of-pocket costs than PPOs, but you have less freedom to choose your dentist.

Coverage Offered by Dental Insurance Plans in Ohio

Here’s what dental insurance plans in Ohio typically cover:

1. Preventive care: This includes routine cleanings, exams, and x-rays.
2. Basic services: This includes fillings, extractions, and root canals.
3. Major services: This includes bridges, crowns, and dentures.

However, coverage varies depending on the plan, so it’s important to read the plan’s summary of benefits to understand exactly what’s covered.

FAQs

Q: How much do dental insurance plans in Ohio cost?

A: The cost of dental insurance plans in Ohio varies depending on a variety of factors, including your age, location, and the plan you choose. On average, a dental insurance plan in Ohio costs between $20 and $60 per month.

Q: Can I purchase dental insurance outside of my employer?

A: Yes, you can purchase dental insurance outside of your employer. There are many dental insurance plans available for individuals and families in Ohio.

Q: Do dental insurance plans in Ohio have waiting periods?

A: Some dental insurance plans in Ohio have waiting periods before certain procedures are covered. For example, a plan may require a six-month waiting period before it covers a major service like a crown.

Q: Can I see any dentist I want with a dental insurance plan?

A: With a PPO dental insurance plan, you can see any dentist you want, but you’ll get the best rates if you see a dentist within the insurance network. With an HMO dental insurance plan, you have to choose a primary care dentist who will coordinate your dental care within the network.

Conclusion

Dental insurance can help make dental care more affordable. If you live in Ohio and are looking for a dental insurance plan, consider whether a PPO or HMO plan would be a better fit for your needs, and make sure to carefully read the plan’s summary of benefits before making a decision. With the right dental insurance plan, you can keep your teeth healthy without breaking the bank.