OralHealth Complete Holdings Inc.

Dental insurance.
Reimagined.

OHComplete.com

An alternative is being built — one that simplifies your operations, pays fair fees, and gives patients coverage they will actually use.

Incorporated in Arkansas COA application in preparation — West Virginia Series A — seeking investors

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For dentists

You should be paid what you charge.

OralHealth Complete is a dental insurance carrier in formation designed around one principle: participating dentists are paid their actual billed fee — no write-offs, no proprietary UCR tables, no gap between what you charge and what you collect.

Zero write-offs

Paid your actual fee up to the FAIR Health regional benchmark. No contracted discount.

14-day payment

80%+ straight-through claims adjudication. No UCR disputes to slow things down.

Transparent fees

FAIR Health regional benchmark, updated annually, shared openly with every participating provider. No black box.

Patients who come back

$6,000 indexed annual max. Implants covered at 80%. Patients use their benefits instead of deferring care.

For investors

A market gap documented by regulators — and no new entrant filling it.

Dental loss ratio reform has created a structural disruption incumbents are retreating from. OralHealth Complete is designed to be the first reform-aligned new carrier.

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WV dental loss ratio lines below OHC's 78% target — WV OIC, Mar 2026

Carriers exited MA small group market since DLR mandate

States pursuing dental loss ratio reform nationally in 2026

AI-enabled operations

A deliberately lean operating model: straight-through claims adjudication against a published benchmark rather than manual review against a proprietary UCR table, run by a small launch team. Financial projections and supporting actuarial work are available to qualified investors on request.

Peer-reviewed validation

A 2026 Health Services Research study confirmed Massachusetts DLR reform led to a 5.2% increase in provider reimbursement rates — the first independent evidence DLR-compliant carriers can build strong networks.

West Virginia dentist survey

Tell us what matters to your practice.

OralHealth Complete is forming its West Virginia provider network. Your responses shape our provider agreements and claims process. Takes under 2 minutes. All responses confidential and reported in aggregate only.

Take the provider survey →

Or visit: OHComplete.com/survey

Interested in investing?

OralHealth Complete is currently in Series A discussions with healthcare-focused investors and BCBS venture arms. We welcome conversations with mission-aligned investors who see what we see in this market.

Request investor materials