Dental insurance is essential for maintaining oral health and managing dental care costs. In Ohio, several companies offer comprehensive dental insurance plans tailored to meet diverse needs and budgets. This article introduces the top 8 dental insurance companies in Ohio for 2025, highlighting their key features, coverage options, and benefits to help you make an informed choice.
Top 8 Dental Insurance Companies in Ohio 2025
1. Delta Dental
Delta Dental is a leading nonprofit dental insurer with a strong presence in Ohio. It offers PPO and Premier network plans, allowing members to choose in-network dentists for lower out-of-pocket costs. Delta Dental plans are known for affordable premiums starting around $23 per month, low deductibles (as low as $25 annually), and extensive coverage for preventive care such as cleanings and exams. Higher-tier plans may have no deductibles. Delta Dental also provides robust coverage for restorative and major dental services, making it a popular choice for individuals, families, and businesses alike. The company has a large network of over 150,000 providers nationwide, ensuring easy access to dental care.
2. Humana Dental Insurance
Humana is one of the largest dental insurers in the nation and offers multiple affordable plans in Ohio. Their Smart Choice dental plan covers preventive services like cleanings and X-rays at 100% with no waiting period for children and adults after deductible. Basic services such as fillings and extractions are covered at about 50-70% after deductible. Humana also provides plans with no waiting periods and low copays, making it ideal for those seeking immediate coverage. Additionally, Humana offers discount dental plans for those who want to reduce costs without full insurance coverage. Their network includes over 336,000 providers nationwide, giving members broad access.
3. Cigna
Cigna is highly rated for its dental insurance coverage nationwide, including Ohio. It offers affordable plans with premiums starting near $19 per month and access to more than 93,000 providers. Cigna’s plans cover preventive, basic, and major dental services with competitive benefits and no or low deductibles. The company is praised for its customer service and flexibility, making it suitable for individuals and families looking for comprehensive dental care.
4. Renaissance Dental
Renaissance Dental Insurance provides plans with a wide network of over 300,000 access points across the U.S., including Ohio. Their plans start around $32 per month and offer annual maximums typically around $1,000. Renaissance is known for good coverage of preventive and restorative services and is a solid option for those seeking a balance between cost and benefits. The company supports both individual and family plans, with a focus on accessible care.
5. Physicians Mutual
Physicians Mutual offers straightforward dental insurance plans with no deductibles and clear coverage tiers. Premiums start as low as $25 per month in Ohio. Their plans cover preventive care at 100%, with basic and major services covered at varying percentages depending on the plan tier. The company’s easy online quoting and enrollment process makes it convenient for consumers to compare and select plans quickly.
6. Ameritas
Ameritas is recognized for its strong orthodontic benefits for both adults and children, making it a preferred choice for families. It has a large network of over 111,000 providers and offers plans with competitive premiums averaging around $21 per month. Ameritas plans typically cover preventive services fully and provide good coverage for restorative and orthodontic treatments. Their customer satisfaction ratings are high, reflecting quality service and support.
7. Guardian Direct
Guardian Direct is ideal for young adults and families with children and teens. It offers dental plans with comprehensive coverage for preventive, basic, and major dental services. Guardian is known for flexible plan options and a large provider network, ensuring members can find in-network dentists easily. Their plans often include orthodontic coverage, which appeals to families with growing children.
8. Aetna Dental Insurance
Aetna offers dental insurance plans with low premiums starting at about $15.50 per month and access to over 120,000 providers nationwide. Their plans cover preventive care at 100% with no waiting periods and provide competitive coverage for basic and major dental services. Aetna’s broad network and affordable pricing make it a strong contender for individuals and families seeking value and quality dental insurance in Ohio.
Choosing the Right Dental Insurance in Ohio
When selecting dental insurance, consider these factors:
Coverage Needs: Look for plans that cover preventive care fully and offer good benefits for restorative and major dental work if needed.
Network Size: Larger networks mean more choices of dentists and easier access to care.
Premiums and Deductibles: Balance monthly costs with out-of-pocket expenses like deductibles and copays.
Waiting Periods: Some plans have waiting periods for certain services; plans with no waiting periods provide immediate coverage.
Orthodontic Coverage: Important for families with children or adults needing braces or other orthodontic treatments.
Additional Benefits: Some plans include vision, hearing discounts, or supplemental coverage options.
Summary Table of Top Ohio Dental Insurance Companies 2025
| Company | Starting Premium (Monthly) | Network Size (Providers) | Key Benefits |
| Delta Dental | ~$23 | 150,000+ | Low deductibles, strong preventive care |
| Humana | ~$15-$18 | 336,000+ | No waiting periods, discount plans |
| Cigna | ~$19 | 93,000+ | Comprehensive coverage, excellent service |
| Renaissance Dental | ~$32 | 300,000+ | Balanced cost and benefits |
| Physicians Mutual | ~$25 | 100,000+ | No deductibles, easy online quoting |
| Ameritas | ~$21 | 111,000+ | Strong orthodontic benefits |
| Guardian Direct | Varies | Large | Family-friendly, orthodontic coverage |
| Aetna | ~$15.50 | 120,000+ | Affordable, broad network |
Conclusion
Dental insurance in Ohio for 2025 offers a variety of options to fit different budgets and dental health needs. Whether you prioritize low premiums, extensive provider networks, or orthodontic coverage, the companies listed above provide reliable and comprehensive plans. Always review plan details and consider your personal or family dental care requirements before enrolling.
