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Best Dental Insurance in Ohio: Compare and Find Your Ideal Plan

Natalie Asmussen
Natalie Asmussen
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Do you need dental insurance in Ohio? We realize how tough it may be to navigate through all of the alternatives available. In our list below, we've compiled information on the best dental insurance plans in Ohio.

Delta Dental, AARP, and Humana are some of the best dental insurance providers in Ohio. However, the ideal dental plan will be different for everybody because it depends on your dental needs and budget.

Having the appropriate dental insurance can save you a lot of money, whereas choosing the incorrect one might result in significant additional costs.

When looking for the best dental insurance in Ohio that fits your specific needs, you'll find a variety of alternatives, including:

  • Individual dental insurance
  • Dental insurance for seniors
  • Dental and vision insurance
  • Dental insurance with no waiting period

We hope that this information helps you choose the best dental insurance in Ohio for you.

Are you in another state? For additional information, see our complete dental insurance guide.

Different types of dental insurance in Ohio

PPO, DHMO, and dental discount plans

PPOs make up the majority of dental insurance policies. They're highly popular because they give you a lot of flexibility. A PPO plan normally has higher premiums and deductibles, but you may also get additional benefits such as discounts on braces, dental implants, and cosmetic treatments like whitening.

A DHMO plan typically requires you to choose one primary care dentist from a small network, who coordinates all of your treatment. This type of dental insurance often has the lowest premiums and usually includes preventive care at little or no additional expense.

Other services will require a co-payment, and with a lengthy waiting period, the savings for major procedures may be rather small. Braces, implants, and cosmetic procedures are often not covered by DHMO policies.

individual dental insurance ohio no waiting period
Find the best dental plans in Ohio with no waiting period

Dental discount plans are not the same as the dental insurance plans described above, because they're not really insurance. You pay a fee to join and then obtain a member card that entitles you to discounted dental treatments at set rates.

Individual dental insurance

Individual dental insurance and employer-sponsored dental insurance differ primarily in how they are purchased. They both accomplish the same task and have similar features and benefits. Delta Dental, Humana, Anthem, and many other providers offer individual dental insurance in Ohio.

Dental insurance for seniors in Ohio

Dental insurance for seniors is comparable to that for younger people, with the distinction that it focuses on the coverage that seniors are more likely to need. These services include root canals, dentures, crowns, and tooth replacement. Although these services are not limited to seniors, they are more likely to be required by them.

Humana, Medicare, and Delta Dental are known to offer dental insurance for seniors in Ohio, but there are other options available.

Dental and vision insurance

Several health care providers provide vision and dental insurance as a combined package to encourage clients to buy all of their insurance in one place. If you require both, this can be a good way to save money. If you're looking for dental and vision insurance in Ohio, you might check with the dental insurance provider Ameritas.

Supplemental dental insurance

Supplemental dental insurance may be purchased to supplement a policyholder's current dental coverage. It may make up the difference if the primary insurance policy's yearly spending limit is reached or if the coverage does not include essential or recommended dental procedures.

You might want to check out Delta Dental, Superior Dental Care (SDC), or Guardian Direct to buy supplemental dental insurance in Ohio.

How to find the best dental insurance in Ohio

Features to consider before buying dental insurance

Finding the best dental insurance in Ohio is more than simply hunting for the cheapest price. Dental insurance that is the lowest isn't necessarily the most cost-effective or wisest choice. You should also consider the following aspects:

High coverage vs. low-cost dental insurance

You may be wondering whether it's better to purchase low-cost dental insurance vs a full-coverage dental plan.

The following is a common general guideline:

A low-cost dental insurance plan with a larger deductible and co-payments may be the best option if your teeth are in good general condition. If you need major treatments, paying a higher premium but getting more coverage may be more cost-effective.

No waiting period

You may be required to wait a set number of months before receiving certain dental procedures. Most dental insurance providers in Ohio have no waiting period for preventive and diagnostic services. Higher premium plans may also have a no waiting period policy for basic and major services.

List of the best dental insurance providers in Ohio

If you don't qualify for low-income dental insurance like Medicaid, look into private dental insurance plans available in Ohio. Each dental insurance company has its own set of advantages. We've compiled a list of Ohio's best dental insurance plans so you can start weighing your options.

delta dental ohio
Delta Dental of Ohio

Delta Dental Insurance Ohio

Delta Dental of Ohio provides a variety of dental insurance plans for individuals and families.

Delta Dental PPO Plans

Delta Dental Insurance Plan

Delta Dental Low Plan (Standard)

Delta Dental High Plan (Point-of-Service)



No deductible

Access to Delta Dental’s network

You get access to the Delta Dental PPO network

You'll get access to the Delta Dental PPO and Delta Dental Premier® networks

Coverage in-network

Preventive: 100%

Basic services: 50%

Major services: 50%

Preventive: 100%

Basic services: 80%

Major services: 50%

Coverage out-of-network

Preventive: 80%

Basic services: 50%

Major services: 50%

Preventive: 100%

Basic services: 60%

Major services: 50%

Details correct at time of writing; check with insurer for current and complete policy details.

Delta Dental Patient Direct

Patient Direct is the discount plan offered by Delta Dental of Ohio. If you visit a Delta Dental partnered dentist, this dental discount program can help you save 20 to 40%.


humana dental insurance ohio
Humana dental insurance Ohio

Humana dental insurance in Ohio offers one DHMO and one PPO plan.

Humana Value Plan (DHMO)

This Humana dental insurance plan has no plan maximum, no deductible, and no waiting period on any offered services. For every office visit and treatment you receive, there is a fixed copayment. Preventive services, such as cleanings, exams, and x-rays, are provided at no cost.

Humana Bright Plus Dental Plan (PPO)

The Bright Plus gives you a $1,250 annual maximum. A $50 deductible will be charged for individuals and $150 for families. Preventive care, such as cleanings, exams, and x-rays, has no waiting period and is fully covered by in-network dentists.

Fillings and extractions are covered at 60% in-network and 30% out-of-network after a 3-month waiting period. Crowns, root canals, dentures, implants, deep cleanings, and braces are not covered in this plan. There is a $100 teeth whitening allowance per year.

aarp dental
AARP dental insurance Ohio

AARP dental insurance (provided by Delta Dental)

AARP dental insurance, which is provided by Delta Dental, offers 3 plans.


This dental plan lets you visit any licensed dentist and provides you with a $1,500 annual maximum limit. A $40 deductible will be charged per individual.


The AARP PPO Plan B is slightly cheaper than Plan A. However, the deductible is $90, and the annual maximum is only $1,000 per individual.

AARP DeltaCare USA

The AARP DeltaCare plan, unlike the others, has fixed copayments but no yearly deductible or annual maximum.

Get a quote for insurance near you

We know it can be difficult to wade through the plethora of plan options. That's why we've created this easy-to-use insurance comparison tool. Just enter your DOB and zipcode, and in seconds you'll see the best plans in your area.

Dentaly insurance

See how much you could save

Start by entering your ZIP code
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Types of plans offered

Benefits and Plan Features

Delta Dental

PPO, Dental discount plans

Great variety of plans for every need and budget; Dental discount plan with great savings and a large network



Great choice of affordable dental insurance plans



Wide range of options; backed up by Delta Dental

Details correct at time of writing; check with insurer for current and complete policy details.

Choosing the most cost-effective dental insurance in Ohio might be difficult. Read the dental insurance provider's policy carefully to make sure you understand what you'll be agreeing to.

While searching for the best dental insurance in Ohio, keep the following in mind:

If your teeth are in good shape and you just require preventative care and fillings, a less expensive premium is the optimal choice. You should purchase a larger plan with full-coverage dental insurance if you require braces in the future or other expensive procedures.

If you want to read about the best insurance options in any other state, please select from the list below.


What is the best dental insurance in Ohio?

Everyone has different needs, and not all providers have networks covering all parts of the state. The best plan is based on your oral health needs and budget.

We researched Ohio's best dental insurance plans and double-checked their availability in Ohio’s biggest locations, including Columbus, Cleveland, Dayton, Toledo, and Cincinnati. Depending on your location, several dental insurance providers, such as Metlife, Guardian Direct, Superior Dental Insurance, and Anthem, may be available. can help narrow down the best dental coverage for your needs. You may compare the top dental insurance plans in Ohio by entering your ZIP code and date of birth. To get started, just click the button below.

Best Dental Insurance in Ohio: Compare and Find Your Ideal Plan
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