Find the Best Dental Insurance in Cincinnati, OH

How to choose dental insurance in Cincinnati

Health insurance is often viewed as a necessity, but what about dental coverage? Here’s the truth: You can be out hundreds, even thousands, of dollars if you need a procedure and don’t have insurance. Most policies have a waiting period before they will pay out for minor or major dental work, so it does no good to put off coverage until you need it.

Most dental insurance plans in Cincinnati are the fee-for-service type and cover three categories: preventive care, basic services and major services. A common coverage, known as “100/80/50,” is explained below.

Depending on the policy you choose and type of service you receive, a deductible, copayment and coinsurance may apply. Plans also have out-of-pocket maximums and maximum coverage amounts per year.

The cost of dental insurance in Cincinnati is based on a number of factors, including the amount of coverage you purchase: the more comprehensive, the higher the premium, or your monthly cost. The size of the dentist network, your location, the deductible and whether the policy is for an individual or family are other variables.

Alternatively, you may consider dental savings plans, which are not the same as dental insurance. Members of dental savings plans pay an annual fee in exchange for discounted rates with select dentists. Dental savings plans in Cincinnati have no waiting periods or deductibles, but you pay out of pocket at the time service is rendered.