Dental Discount Plan In Sealy Tx
No insurance? Check out our in-house dental discount plan. Its not uncommon for our patients to have medical insurance but not a policy for dental. Thats why we offer the Community Dental Plan, a private in-house dental discount plan that allows members to bypass a third party insurance carrier.
We understand that with todays economy, budgeting for your dental health on a yearly basis can be difficult. For those patients who have no dental insurance, we have implemented the Community Dental Plan, a private dental discount plan that is available for patients who are not using private insurance.
One low annual fee gives patients a generous dental discount plan which includes:
- 2 Free Exams Per Year
- 2 Free Cleanings Per Year
- Free X-Rays
- Discounted Fees For All Dental Work
- No Cap
- No Waiting Period
Best For Seniors: Physicians Mutual
Physicians Mutual
- Available in all 50 states
We chose Physicians Mutual as the best dental insurance with no waiting periods for seniors because it covers preventative immediately and basic coverage after three months. At 12 months, you have 350 procedures covered, with no annual maximums and no deductibles.
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No waiting period for preventive care
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No annual maximums or deductibles
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500,000 in-network providers
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3-month waiting period for Basic coverage
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12-month waiting period for Major coverage
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No senior discount
Physicians Mutual has been around since 1902 and is based in Omaha, NE. It offers dental insurance to individuals and families, as well as life and health insurance. Per their website, A.M. Best gives Physicians Mutual top ratings for financial strength.
Physicians Mutual Preferred Plus has three excellent plans for seniors who need dental insurance with no waiting periods. It immediately covers preventive care and basic care just three months later. One drawback is there is a 12-month waiting period for Major care. However, once that is met, the three plans cover 350 dental procedures at a generous amount.
Also, the programs have no annual maximums or deductibles associated with the benefits. The premium rates are affordable for seniors. For example, the range of premiums is about $30 to $47 each month in California. Moreover, Physicians Mutual’s nationwide network makes it easy for seniors to find a dentist nearby.
Waiting Out A Waiting Period
Sometimes theres no getting around waiting periods, especially if youve decided a DPPO plan would be a better fit for your needs or if youve already committed to a certain provider.
Heres how to take good care of your teeth during your waiting period so you maybe avoid needing any basic or major procedures before your insurance kicks in:
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Brush your teeth twice each day with fluoride toothpaste
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Clean between your teeth daily, using floss or another interdental cleaner
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Eat a healthy diet that limits sugary beverages and snacks
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Visit your dentist twice a year for prevention and treatment of oral disease
Of course, these suggestions are important whether you currently have full dental insurance coverage or not. Its always better to prevent oral health issues than to treat them.
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Preferred Plan: Care 500 & Dental Access Networks Combined
You can get the best of both plans with our Preferred plan. If you want great savings at both general dentists and specialists, this plan may be right for you. Typically, the Care 500 dental plan saves you more on general dentists , while the Dental Access plan saves you more on specialists .
Additionally, with two plans together, youll have greater access to more dentists across the country, whether you live in a sprawling city or a rural town. With both plans, you can have peace of mind knowing youll be able to get care when you need it at an affordable rate.
Best Major Coverage: Spirit Dental
Spirit Dental
- Coverage Limit: $750 to $5,000
- States Available: 50
Spirit Dental is our best for major coverage, as it offers eight policies with no waiting period and competitive coinsurance rates for major services. Diverse coverage options allow you to find the right balance between monthly premiums, annual maximums, and out-of-network flexibility.
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No waiting periods for any covered procedures
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One-time deductible of $100
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Annual limits up to $5,000
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High out-of-pocket costs for orthodontics
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Expensive monthly premiums
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Less favorable terms in the first year
No one wants to think about undergoing major dental work like crowns, implants, and procedures that require anesthesia. But when these expensive treatments come up, having an insurance policy that covers them can provide some financial peace of mind.
Spirit Dental is one of the few dental insurance companies that doesnt impose a waiting period for major services on any of its policies.
You can get a quote quickly on Spirit’s website to see what your premiums would be. Each plan has a single lifetime deductible of just $100 per person, and plans are distinguished by annual maximums, which range from $750 to $5,000. You can choose between in-network and out-of-network coverage, although the latter will result in higher monthly premiums.
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Are Dentists Really That Important Your Health Depends On It
You might think you can just brush and floss at home and not go to the dentist. But bacteria are microscopic, and they get into places your brush cant reach. Not only that, but the bacteria, also called plaque, forms a sticky substance your brush cant wash away.
A dental professional is needed to find those hard-to-reach areas and clean them out. They also have tools to wash away the sticky plaque.
Overall health is connected to oral health. The most common case is when bad bacteria get into the bloodstream and cause damage to the heart.
Preventing tooth issues is essential to your health and a dental professional is needed for complete oral care.
Best Dental Insurance Plans In Iowa
Dental insurance is available from a variety of healthcare providers in Iowa. The most popular ones are reviewed here so you can get a taste of what’s available. We’ve included a comparison table at the bottom of this page so you can easily review the information and choose which dental insurance plan is best for you.
Delta Dental of Iowa offers three PPO plans for individuals and families.
Preventive Prime
With the Delta Dental Preventive Prime plan, you get 80% coverage on preventive services such as check-ups, teeth cleaning, and x-rays. Routine and restorative services such as tooth-colored fillings, cavity repair, and restoration of decayed or fractured teeth are covered by 50%. Out-of-network dentists are covered, but the coverage percentage is typically a bit lower. The deductible with this plan is $50 per person per year.
Preferred Prime
The Preferred Prime gives you more coverage than the above-mentioned. Preventive services are fully covered. Tooth extractions, cavity repair, and routine oral surgery are covered by 50%. Tooth-colored fillings on back teeth are covered by 40%. All other complex and major services such as root canals, crowns, bridges, and dentures are covered by 50%. However, these major services are subject to a waiting period of 612 months. You will get a yearly maximum of $1,000 with this dental insurance plan.
Platinum Prime
When it comes to individual dental insurance in Iowa, Humana offers two options.
Preventive Plus
Loyalty Plus
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What Is Considered Major Dental Work
Major dental work refers to services that replace missing or damaged teeth. In dental insurance, major work falls into the most extensive of the three groups used to categorize most dental care:
- Preventative Services: Diagnostic and preventive services, such as cleanings and X-rays
- Basic Services: Basic restorative care, such as fillings and extractions
- Major Services: Major restorative care, such as root canals and crowns
Best Budget: Metlife Takealong Dental
MetLife
- Annual maximums range from around $750 to $2,000
- Available in all 50 states and the District of Columbia
We chose MetLife TakeAlong Dental because the premiums are reasonable: Preventive, Basic, and Major coverage are the same as other providers.
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No waiting periods on Preventive care
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High Plan offers $2,000 in annual maximums per subscriber
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Has generous benefits for routine dental care and comprehensive services
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Waiting periods on Basic and Major care services
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Deductibles on High plan are higher at $75 and $225
MetLife has been providing insurance products for over 152 years. Underwritten by the Metropolitan Life Insurance Company in New York, MetLife provides benefits to 20 million people. MetLife also has high ratings with J.D. Power and Associates and AM Best and is available in 50 states and the District of Columbia. It offers benefits through employers and direct to individuals.
The MetLife TakeAlong Dental plans give you 100% coverage for Preventive care from day one and six months for Basic care. Like PPO plans, you can pick your dentist the coverage is the same in and out of network. The higher the plan level, the more coverage you have for Basic and Major care. The highest level plan has a lower deductible than the low option.
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Dental Plans No Waiting Period Get Your Dental Work Done With No Waiting Period
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Questions? Call Us Toll Free Now at 1-855-214-7725
It seems as though we are constantly getting requests for dental plans no waiting period. This is because many people have issues that need to be taken care of right now and traditional dental insurance doesnt cover pre-existing conditions immediately.
Dental insurance is just like any other type of insurance that you might purchase, be it your homeowners insurance, your vehicle insurance, etc. Think about this for a moment. When you buy auto insurance the agent walks outside and visually inspects your vehicle for any prior damage. The reason for this is because the insurance company doesnt want to have to pay for anything that was already there. Doesnt this make complete sense? I know its not exactly what we wanted to hear, but the idea behind buying insurance is to make certain that were covered in case anything happens in the future. Well, dental insurance works the same way and thats why its not a very good deal anymore.
Most dental insurance plans require a waiting period of anywhere from six to 12 months before you can be seen for any condition that you had at the time that you bought the insurance. This means that if you need bridge work done right now, a tooth extraction done right now, you need dentures immediately, or any other obvious dental problem, then youll have to pay out of pocket until the waiting period is over.
Aflac Dental Insurance Plans With Little To No Waiting Period
At Aflac, well work with you so you can get the treatments you need on a timeline that works. Our network dental insurance and employer-provided dental insurance have no waiting period for any services for most plans and our supplemental dental insurance has little to no waiting period, depending on the treatments you are seeking.
Our dental plans are affordable and thorough. We recommend you chat with an agent about your oral hygiene and coverage goals to see what makes the most sense.
Still have questions?
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Cigna Dental: Most Affordable
Cigna is a health and life insurance company that offers three different dental insurance plans. Their network covers 93,000 dentists with over 297,000 locations across the nation. All of their plans include preventive care for free, including cleanings, oral exams, and routine x-rays.
Cigna’s two upper-tier plans, Cigna Dental 1500 and Cigna Dental 1000, waive waiting periods for restorative care if you have had a qualified dental insurance plan in place for at least 12 consecutive months before signing up for a plan with Cigna.
There is also no waiting period for any preventive care. They also offer a preventive care plan with premiums starting at just $19/month. This plan also has no waiting periods for routine checkups and cleanings however, major services and restorative care are not covered.
Have a look at the highlights of our choice for Cigna, the Cigna Dental 1500 plan:
Preventive services:
- 1 oral exam every 6 months
- 1 routine cleaning every 6 months
- 1 set of bitewing x-rays per year
- 1 fluoride treatment per year for patients under 14
Basic restorative services:
- Bridges every 7 years
Dental Insurance With No Waiting Period Makes Life Easier
If youre in the market for dental insurance, you want coverage now, not in six months or next year. You expect your plan to cover your dental services when you need them.With Spirit Dental, all plans offer protection* as soon as the plan becomes active. Other dental insurance carriers impose an initial waiting period for plan coverage to take effect. These details may be buried in the fine print, but the impact on your coverage is clear.
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Is Dental Insurance For Implants Expensive
The type of policy you choose affects what you pay. Usually, the most affordable dental insurance plans often do not cover restorative work the full coverage dental plans, which tend to have higher monthly premiums, are the ones that will cover procedures like implants.
Another option is to invest in a dental savings plan. Unlike insurance, a dental savings plan has pre-negotiated a discount on your behalf. Participating providers will bill the rate that the savings plan members pay directly to the practice. These plans are often less expensive per month than dental insurance and can offer significant savings on dental implant treatment.
Best For Basic Coverage: United Healthcare
United Healthcare
- 10 plans, 8 with no waiting periods
- Maximums in some plans range from about $1,000 to $3,000
- Available nationwide
We went with United Healthcare because it has eight dental insurance plans with no waiting periods for preventive care and basic. Also, the high-end plans have generous coverage maximums at a reasonable premium per month.
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No waiting period for Basic care
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No waiting period for Preventative care covered at 100%
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Shorter waiting periods on Major coverage for some plans
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Some of the plans only cover
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Basic care at 35% on day 1
Plan availability varies by state
United Healthcare is a prominent nationwide brand for insurance with a top rating from A.M. Best. It insures 30 million people nationwide and is underwritten by the Golden Rule Insurance Company. The company has a robust network of providers of roughly 182,000. United Healthcare’s dental plans are available in most states through employers and direct, but the plan features may vary based on where you live.
There are no waiting periods on Basic and Preventive care, generous annual maximums on the higher levels, and shorter, six-month waiting periods for Major coverage on many of its plans. In addition, several plans cover preventive at 100%. There are also no age restrictions on coverage. Moreover, the premiums are lower than we expected. For example, the monthly premium for a woman under 50 in California ranges from $24 to $64, depending on the plan.
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