Do you have Dental Insurance? If not, you likely know the stress involved with keeping your own personal dental health, as well as your family’s, in check. Those working part time, low-income jobs, those who are self-employed, or have no company plan should be interested to know that there are still great dental opportunities for them when it comes to premium dental insurance. For others who aren’t sure of what they’re looking for in a Dental Insurance Provider, here are some great options in the Ohio area.
What is an Indemnity Plan?
This means that your carrier will pay for your dental services after getting the bill. You will pay your dentist up front for any work done, but will be reimbursed by your insurance provider.
What is a Managed-Care plan?
In Ohio, many dentists within this network have agreed to a negotiated rate. Many see this as a more cost effective way to manage your dental insurance.
Anthem Dental Insurance
Anthem currently offers three different plan choices, with the ability to enroll yourself or your whole family into the programs. There is no waiting period for preventative or diagnostic services, and best of all you can still stay with your current dentist or choose from Anthem’s network of professionals for a lower rate. Choices come in the Dental Blue Basic package, including basic coverage and routine checkups. Dental Blue Essential package includes basic services, as well as specialty services such as root canals or denture work. Finally, the Dental blue Essential 200 offers basic dental work, specialty services, and offers you a larger choice of dentists available in the network.
United Health One
United Health One offers dental insurance that won’t be out of your price range. They have a healthy selection of dentists available, meaning you may not even have to switch from your current dental provider.
This dental insurance company offers over 216,000 dentists nationwide, and agrees to charge their clients a lower fee than normal for talented professionals.
Nationwide Dental Plans
Nationwide offers a comprehensive list of plans, from basic to voluntary, covering large or small groups, families, and annual benefits. Their plans come in Basic, Diagnostic and Preventative, Major, or Orthodontia. Nationwide also offers oral cancer screening, maternity care, dental implants, and a carryover program for unused benefits.
Dental Insurance Plans Ohio
If you’re still not sure what will work best for you, Ohio has five different types of insurance plans available at Dentalinsurance.com, including discount dental plans, managed-care plans, indemnity plans, and more. Simply visit the website and enter your postal code to see what plans are available to you.
Your financial situation should never prevent you from getting the oral care that you need. There are options available to you in dental emergencies, such as allowing University Dental School students to work on you, or by contacting your city’s health department regarding free or low cost dental clinics for low-income families.