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 filing in progress — 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 ADA regional benchmark. No contracted discount.
14-day payment
80%+ straight-through claims adjudication. No UCR disputes to slow things down.
Transparent fees
ADA survey-based schedule, updated annually, shared openly. 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.

36%
Cigna WV dental loss ratio — published by WV OIC
8
Carriers exited MA small group market since DLR mandate
23
States pursuing dental loss ratio reform nationally in 2026
AI-enabled operations
Target 15–18% admin ratio vs the industry average of 35–45%. Launch team of 5.75 FTE. Break-even at 28,000 members in year four. $39M revenue by year five.
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 (redirect coming soon)

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