Ohio health plan · 2025

EHB Basic Dental Plan (Low) · 34968OH0150002

MetLife offers this marketplace plan (Plan ID 34968OH0150002). Use the modules below to compare premiums, coverage structure, provider access, and formulary context against alternative options in the same market.

Metal level: Low Plan type: PPO CSR: Standard Low Off Exchange Plan Issuer: MetLife
Telehealth Data pending HSA eligible Check with issuer Dental Child Vision Not listed

Issuer actuarial value: 70.00%. Expect to pay roughly 30.00% of covered costs out of pocket, based on issuer reporting.

2025 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 10 Mar 2026 06:40 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$17 – $1064

Before subsidies

Estimate after subsidies

Deductible

N/A

N/A

See deductible details

Max out-of-pocket

N/A

N/A

Review MOOP rules

Office visits

Primary care See benefits
Specialist See benefits

Drug tiers

Generic See drug coverage
Preferred brand See drug coverage

View formulary tiers

$1027 / mo before subsidies

≈ $12324 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$2098 / mo before subsidies

≈ $25178 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$2112 / mo before subsidies

≈ $25349 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$2080 / mo before subsidies

≈ $24960 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits
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Enrollment guidance

Stay on top of 2025 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Ohio). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Standard Low Off Exchange Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 34968OH0150002
Coverage year 2025
State Ohio
Issuer MetLife
Variant ID 34968OH0150002-00
Available variants

Standard Off Exchange Plan · 34968OH0150002-00
Last plan update Sun, 09 Jun 2024 00:00 GMT
Last HealthPorta import Tue, 10 Mar 2026 06:40 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 10 Mar 2026 06:40 GMT).

All providers in Ohio N/A
PCPs in Ohio N/A
Telehealth support Data pending
Nationwide providers N/A
N/A doctors statewide N/A PCPs N/A OB/GYN

Provider network(s)

['OHN001']

Providers Ohio All US states
All N/A N/A
PCP N/A N/A
Allergy N/A N/A
OB/GYN N/A N/A
Dentists N/A N/A

Drug coverage overview

0 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Prior authorization Drugs
Required 0
Not Required 0
Step therapy Drugs
Required 0
Not Required 0
Quantity limits Drugs
Has Limit 0
No Limit 0

Customer highlights

What stands out for members

  • Issuer: MetLife · Plan ID 34968OH0150002 · 2025 filing.
  • Variant 34968OH0150002-00 (Standard Off Exchange Plan) currently displayed.
  • Use the cards on this page to explore network stats, drug coverage, and cost-sharing details.
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Benefits

Covered services & limitations

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

50.00% Coinsurance after deductible
Tier 1 in-network 50.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Coverage includes benefits specified in the FEDVIP MetLife Federal Dental - High Option Plan.

Exclusions: nan

Major Dental Care - Child

50.00% Coinsurance after deductible
Tier 1 in-network 50.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Coverage includes benefits specified in the FEDVIP MetLife Federal Dental - High Option Plan.

Exclusions: nan

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

Coverage details pending

nan

Exclusions: nan

Basic Dental Care - Adult

Coverage details pending

nan

Exclusions: nan

Dental Check-Up for Children

10.00% Coinsurance after deductible
Tier 1 in-network 10.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 1.0 Exam(s) per 6 Months

Coverage includes benefits specified in the FEDVIP MetLife Federal Dental - High Option Plan.

Exclusions: nan

Major Dental Care - Adult

Coverage details pending

nan

Exclusions: nan

Orthodontia - Adult

Coverage details pending

nan

Exclusions: nan

Orthodontia - Child

50.00%
Tier 1 in-network 50.00%
Out-of-network 50.00%

Coverage includes benefits specified in the FEDVIP MetLife Federal Dental - High Option Plan.

Exclusions: nan

Routine Dental Services (Adult)

Coverage details pending

nan

Exclusions: nan

Variant attributes

EHB Basic Dental Plan (Low) · Variant 34968OH0150002-00

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2025

CSR Variation Type

Standard Low Off Exchange Plan

HIOS Product ID

34968OH015

Metal Level

Low

Plan ID (Standard Component ID with Variant)

34968OH0150002-00

Plan Marketing Name

EHB Basic Dental Plan (Low)

Plan Variant Marketing Name

EHB Basic Dental Plan (Low)

Issuer & service area

Issuer-provided metadata for this variant.

Issuer Actuarial Value

70.00%

Issuer ID

34968

Issuer Marketplace Marketing Name

MetLife

Market Coverage

SHOP (Small Group)

Multiple In Network Tiers

No

National Network

Yes

Network ID

OHN001

Out of Country Coverage

Yes

Out of Country Coverage Description

Payment is made to the employee in U.S. dollars and is based upon the rate of exchange for the date in which the expense was incurred. Covered services should be a recognized ADA procedure code to identify the service provided.

Out of Service Area Coverage

Yes

Out of Service Area Coverage Description

The PPO plan has an indemnity schedule of benefits for out of service area coverage.

Service Area ID

OHS001

State Code

OH

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Inpatient Copayment Maximum Days

0

Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out

Not Applicable

Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Group

$850 per group

Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Person

$425 per person

Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Individual

$425

Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Individual

Not Applicable

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Child-Only

Composite Rating Offered

No

Dental Only Plan

Yes

First Tier Utilization

100%

Import Date

2024-06-09 20:01:16

Guaranteed Rate

Guaranteed Rate

New/Existing Plan

Existing

Medical EHB Deductible, Combined In/Out of Network, Family Per Group

per group not applicable

Medical EHB Deductible, Combined In/Out of Network, Family Per Person

per person not applicable

Medical EHB Deductible, Combined In/Out of Network, Individual

Not Applicable

Medical EHB Deductible, In Network (Tier 1), Family Per Group

per group not applicable

Medical EHB Deductible, In Network (Tier 1), Family Per Person

per person not applicable

Medical EHB Deductible, In Network (Tier 1), Individual

$100

Medical EHB Deductible, Out of Network, Family Per Group

per group not applicable

Medical EHB Deductible, Out of Network, Family Per Person

per person not applicable

Medical EHB Deductible, Out of Network, Individual

$100

Plan Effective Date

2025-01-01

Plan Level Exclusions

When sold off the exchange, MetLife's Dental EHB plans and benefits will meet the stated actuarial value, but the exact plan and benefit design may vary according to the terms of the insurance certificate.

Plan Type

PPO

QHP/Non QHP

Off the Exchange

Source Name

SERFF

Plan ID

34968OH0150002

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Ohio?

EHB Basic Dental Plan (Low) (34968OH0150002) is a Low PPO from MetLife in Ohio for the 2025 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does EHB Basic Dental Plan (Low) support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is EHB Basic Dental Plan (Low) HSA-eligible and does it include dental or vision coverage?

HSA eligibility is not published; check the Summary of Benefits or ask the issuer.

Dental add-ons: Child.

Vision coverage is not listed for this plan.

Does EHB Basic Dental Plan (Low) support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Is there out-of-country coverage for EHB Basic Dental Plan (Low)?

Yes, limited out-of-country coverage is available. Review the Summary of Benefits for reimbursement steps. Details: Payment is made to the employee in U.S. dollars and is based upon the rate of exchange for the date in which the expense was incurred. Covered services should be a recognized ADA procedure code to identify the service provided.

Does EHB Basic Dental Plan (Low) cover care outside the service area?

Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: The PPO plan has an indemnity schedule of benefits for out of service area coverage.

How do I enroll in or manage payments for EHB Basic Dental Plan (Low)?

Use HealthPorta to shortlist plans, then finish enrollment through Healthcare.gov or your state-based marketplace.

Disclaimer: Based on the Tue, 10 Mar 2026 06:40 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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