Health insurance & Medicare · Oakwood, Montgomery County
Supplemental Health Insurance in Oakwood, Ohio
42.0% of Oakwood households include children under 18, well above the Ohio figure of 28.3%. Accident, critical illness, hospital indemnity, cancer, dental and vision coverage that can pay benefits alongside your main health plan. Olive, a licensed agent with Manna Financial Services in Fairborn, helps Oakwood households compare supplemental health insurance by phone or video, and the first conversation is free.
What matters for supplemental health insurance in Oakwood
69.2% of Montgomery County Marketplace shoppers chose Bronze plans for 2026, which carry high deductibles. Accident, critical illness and hospital plans pay cash benefits that can help cover that gap.
42.0% of Oakwood households include children. Accident plans are a common choice for active families, while hospital and critical illness plans are more common for people with Medicare (12.1% of Oakwood residents are 65 or older).
Oakwood by the numbers
- 42.0% of Oakwood households include children under 18, well above the Ohio figure of 28.3%.
- 15.0% of Oakwood workers are self-employed, well above the Ohio figure of 8.0%. Self-employed people have no employer plan for health, life or disability coverage.
- 3.4% of Oakwood adults aged 19 to 64 have no health insurance, well below the Ohio rate of 8.8% (the 3rd-lowest uninsured rate for adults 19 to 64 of the 25 Southwest Ohio communities on this site).
- 12.1% of Oakwood residents are 65 or older, about 1,100 people, well below Ohio's 17.9%; that is the lowest share of residents 65 and older of the 25 Southwest Ohio communities on this site.
Medicare in Montgomery County
| Measure | Montgomery County | Ohio |
|---|---|---|
| People with Medicare | 121,093 | 2,635,104 |
| In Medicare Advantage or other health plans | 60.8% | 56.6% |
| In Original Medicare | 39.2% | 43.4% |
| Getting Extra Help with drug costs | 24,733 | — |
Oakwood and nearby communities
| Place | Households with children | 65 or older | Uninsured adults 19–64 |
|---|---|---|---|
| Oakwood | 42.0% | 12.1% | 3.4% |
| Dayton | 25.6% | 13.7% | 10.8% |
| Centerville | 21.2% | 29.6% | 5.4% |
| Kettering | 25.9% | 19.0% | 8.8% |
| Ohio | 28.3% | 17.9% | 8.8% |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates; CMS Medicare Monthly Enrollment, July 2026.
How we help with supplemental health insurance
- Accident and critical illness plans that pay cash benefits
- Hospital indemnity coverage for inpatient stays
- Dental and vision plans for individuals and families
- Pairs with ACA, employer or Medicare coverage
Rules that apply across Ohio
- Supplemental plans pay fixed benefits and are not major medical coverage. They do not count as ACA minimum essential coverage.
- Many accident, critical illness and hospital plans pay benefits to you directly, to use as you choose.
- Waiting periods and pre-existing condition limits vary by policy, so we compare them before you apply.
Questions from Oakwood
Is supplemental insurance the same as health insurance?
No. Supplemental plans pay limited, fixed benefits for specific events and do not replace major medical coverage. They work best alongside a health plan.
Do I need to visit an office in Oakwood?
No. Olive works with Oakwood and Montgomery County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Supplemental Health Insurance near Oakwood
Talk with Olive about supplemental health insurance.
Free, no obligation, by phone or video. Or call or text (937) 795-9877.