Dental Insurance Alabama No Waiting Period

What Do Dental Plans Cover

Depending on the plan you choose, our dental insurance benefits can include:

Need Vision Or Hearing Too

Get Cigna Dental coverage plus coverage for vision, or vision and hearingall in one plan with one monthly premium.

Cigna Dental Vision Hearing 3500

Cigna Dental Vision Hearing 2000

Cigna Dental Vision 1000

Plans insured by Cigna Health and Life Insurance Company

1 Sample monthly rates are based on a single person per month and represent Cigna’s national average rates for each plan and reflect rates as of July 2021. Premiums vary by geographic area.

2 Not all preventive services are covered, including athletic mouth guards. Refer to the policy for a complete list of covered and non-covered preventive services. Frequency limitations apply. Cigna Dental plans in MD cover one dental cleaning per calendar year.

3 Waiting periods may apply to restorative and orthodontia services and may vary by state. See plan details. You may pay more for out-of-network charges if the dentists charges exceed the amount Cigna reimburses for billed services.

4 Cigna data as of July 2021. Subject to change.

5 Brighter features may vary by dentist. These and other dentist directory features are for educational purposes only and should not be the sole basis for decision-making. They are not a guarantee of the quality of care that will be provided to individual patients and you should consider all relevant factors when selecting a dentist.

This page is not intended for use in GA, WV, OR

Spirit Dental Offers Coverage When You Need It Most

With Spirit Dental, we keep things simple, with no surprises. Once you’re enrolled in a plan, you’re covered immediately starting on the effective date, which can be as soon as the next day! No more waiting for that trip to the dentist.** We provide affordable dental insurance, no waiting period is required. You get the immediate dental insurance you need.

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Highlights And Benefits Of The Humana Dental Value Plan

Note: All benefits listed are available up to annual maximum limit.

• No deductibles or waiting periods
• Only a $15 charge for non-emergency office visits*
• No maximum benefit limit
• You can pay your premiums by mail, by phone or online

You will need to select a primary care network dentist for routine care and youll have access to network specialists when needed. There are over 335,000 dentist and specialist locations in our network.

*This charge is $10 in Kentucky

Internal dentist provider location data as of October 2021

The Major Differences Between Dental Insurance Plans:

• your out-of-pocket costs
• how dental treatments are paid

Most types of insurance, like a dental PPO, DPO, DHMO or prepaid plan, rely on a network of dentists. These participating dentists agree to perform services for patients at pre-determined rates and usually will submit claims for you. Youll usually pay less when you visit a network dentist.

Most traditional indemnity or fee-for-service insurance products do not provide a network feature, so you may have to pay for services up front, file your own claims, and wait for the insurance carrier to reimburse you. However, there are advantages such as having the freedom to visit the dentist of your choice.

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Types Of Dental Coverage

There are a few different types of dental insurance the difference between plans typically has to do with which dental service providers you can see on your network. Lets take a look at a few of the different types of dental insurance plans youll see when you shop.

• Dental health maintenance organization : DHMO plans work a lot like HMO health insurance plans. When you sign onto a DHMO plan, youll receive a list of dental health care providers that accept your insurance. Youll need to see a dentist within your plans network if you want to use your insurance. You cant use your insurance if you go outside of your network. DHMOs are typically the most affordable dental insurance youll find.
• Preferred provider organization : Unlike a DHMO plan, you can see any dentist you want on a PPO plan. You might be able to save money if you visit a dentist within your network, but you can elect to see any dentist for services and procedures. PPO plans typically cost more than DHMO plans but might be worth the extra money if you have a dentist that you already enjoy seeing.

Occasionally, you might see a company that offers a dental benefits plan. These plans arent actually a type of insurance because they dont actually pay for your care. Instead, as a member of your dental benefits plan, you get a set discount on any dental services you need.

Are You Looking For Dental Insurance With No Waiting Periods

Youre in luck. Weve got multiple plan options with some of the best dental carriers in the country including Delta Dental and Renaissance Dental. The Renaissance Dental Max Choice plans include strong benefits for major services including dental implants with no waiting. The Delta Dental No Wait plan has a $2000 benefit max, while the Delta Dental Immediate Coverage plan has a $3000 benefit maximum and no waiting periods for major services.

With EasyDentalQuotes, we can help you find great dental coverage without waiting. Just enter your zip code to view plans in your area.

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Getting Dental Insurance Thats Ready When You Need It

One of the obstacles to getting dental care at the time it’s needed is the date on which a dental plan will begin to pay dentists. The two main reasons for delays in coverage are:

• The dental policy’s effective date
• Attaching waiting periods to various benefits

This article will educate you on the conditions delaying insurance coverage and then list plans that lack waiting periods.

Is It More Expensive To Use Dental Insurance With No Waiting Period

It depends on the category of care you seek. For example, it is not more costly to get preventive care, as dental insurance policies with no waiting period usually provide these and pay 100%. However, if you have Basic or Major care needs, you might pay more in the first year or two than you would by year three. That’s because many policies will increase coverage the longer you subscribe. For example, many United Healthcare plans pay a smaller percentage on day one of coverage than they do a year later.

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Best For Root Canals: Humana

Humana

• Not all plans cover major services like root canals

• First year coverage on root canals is only 20%

Headquartered in Louisville, KY, Humana was founded in 1961. It’s a large, well-known brand for insurance with a wide range of insurance products and a substantial nationwide presence. It also has top ratings from A.M. Best. Policies are available direct and through employer groups.

We like Humana’s dental plans with no waiting periods for the best for root canals category because their Loyalty Plus PPO has no waiting periods and covers root canals at 20% on day 1. That coverage increases over the next three years until it reaches 50%. Also, waiting periods might be waived on Basic and Major care for the other plans they have available if the new subscriber shows similar dental coverage for the previous 12 months. In addition, you can choose any dentist.

However, you get more discounts if you choose an in-network dentist. One thing to bear in mind is the Loyalty Plus PPO also has a higher lifetime deductible of about $150 for an individual and roughly $450 for a family. The rates for a woman under 50 in California range from around $19 to $60.

What Is The Best Dental Insurance In Alabama

There are many different types of plans available, including coverage veterans, seniors, and dental and vision insurance bundles. What you choose will depend on your unique needs.

Weve sorted through the top dental insurance plans in Alabama and checked their availability in Alabama’s biggest cities, like Birmingham, Huntsville, and Montgomery. However, depending on your location, there can also be different dental insurance providers available, such as Metlife, Cigna, Guardian, Southland, and Alfa Dental.

Dentalinsurance.com will assist you in locating the best dental insurance coverage for you. You may compare the top dental insurance plans in Alabama by entering your ZIP code and date of birth. To get started, just click the button below.

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Unitedhealthcare: Best For Major Services

UnitedHealthcare has four dental Premier plans: Premier Choice, Premier Elite, Premier Plus and Premier Max. The Premier Choice plan features a lower premium and offers immediate coverage with no waiting period, as well as discounts in-network for preventive care, and basic and major services.

The Premier Elite plan has a higher premium but it pays more for major services. Just like with the Choice plan, there is no waiting period for preventive care or basic services, but for major services, there is a 6-month waiting period.

The Premier Plus plan includes orthodontic care for dependents and coverage for dental implants, and the Premier Max plan has an annual maximum of $3,000 and no waiting period or deductible for preventive care, although there is a 12-month waiting period for major services.

Have a look at the highlights of the Premier Choice plan, the only plan from UnitedHealthcare with no waiting period for any services:

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:

• Dentures every 7 years
• Bridges every 7 years

If you’d like to enroll in one of these plans, just go to dentalinsurance.com. They make it easy to search for dental plans with no waiting periods.

Our Top Picks For Best Dental Insurance Plans

• Ranks below industry average in J.D Power’s 2021 Dental Plan Satisfaction Study
• No orthodontic coverage for adults

Why we chose it: Guardian Direct stands out because it includes 50% major work coverage on every policy except the Starter, its preventive-only plan option.

Starting at $23.62, Guardian Direct‘s Core plan covers procedures such as crowns, oral surgery, implants and dentures. Annual maximum limits start at $500 and go up to $1,000 by year three, while dental implants have a separate lifetime maximum of $700.

The middle tier, the Achiever plan, adds orthodontic benefits for people under 19 years of age and increases the annual maximum limits. The plan starts with a $1,000 limit and goes up to $1,500 by the third year.

Finally, the Diamond plan starts with a maximum payout limit of $1,500 for the first year, and adds coverage for teeth whitening .

• No waiting period on preventive services
• Available on state and federal exchanges
• Some plans include teeth whitening

• Available plans vary significantly per state

Why we chose it: Delta Dentals nationwide availability, comprehensive dental benefits and no upper age limit for braces make it an excellent choice for families and individuals in need of orthodontic care.

Delta Dental is one of the few providers that extends orthodontic benefits to children and people over 19 years of age. Sample quotes from California, Florida and New York returned three plan options, two of which include orthodontic coverage.

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Summary Of Dental Plans With No Waiting Period

Thankfully, there are many possibilities if you are looking for dental insurance plans with no waiting period. In fact, most plans have no waiting period for preventive services, and there are even some plans that don’t have a waiting period for major restorative services.

Other plans will waive waiting periods on major services if you’ve had dental insurance with a different provider for at least 12 consecutive months before switching over.

Have a look at the table below for a summary of the best dental insurance plans with no waiting period:

What Is A Dental Insurance Waiting Period

Simply put, a dental insurance waiting period is the period of time between when you enroll for a plan and when you can start receiving benefits. Waiting periods can vary greatly from policy to policy.

The following factors might determine the length of your waiting period:

• The type of dental insurance you purchase many Dental Health Maintenance Organization plans dont involve any waiting periods, while Dental Preferred Provider Organization plans usually do.

• Your insurance provider policies can vary a great deal from provider to provider.

• Type of dental service Some dental insurance companies will not pay for any work done during the waiting period, but most dental insurance companies will still cover preventive services.

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Best For Seniors: Physicians Mutual

Physicians Mutual

• 3-month waiting period for Basic coverage

• 12-month waiting period for Major coverage

• 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 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.

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.

Dental Plan Categories: High And Low

There are 2 categories of Marketplace dental plans: High and low.

• High coverage level has higher premiums but lower copayments and deductibles. So you’ll pay more every month, but less when you get dental services.
• Low coverage level has lower premiums but higher copayments and deductibles. So youll pay less every month, but more when you get dental services.

When you compare dental plans in the Marketplace, youll find details about each plans costs, copayments, deductibles, and services covered.

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A Dental Insurance Plan That Takes Care Of Your Smile And Your Budget

The Humana Bright Plus dental plan is designed for people who want to take care of their teeth with regular exams and cleanings. You can use your coverage as soon as you receive your member ID card.

Choose from over 335,000 dentist and specialist locations in our network*. And when you select an in-network provider, deductibles are waived for preventive services.

Alabama Dental Health Statistics

A 2015 study by the American Dental Associationâs Health Policy Institute found among Alabamans that:

• Half of residents with low incomes said life in general was less satisfying because of the condition of their teeth and mouth
• One-in-three low income residents said the appearance of their teeth and mouth affects their ability to interview for a job
• 34 percent reported difficulty biting or chewing in the last 12 months
• 29 percent reported mouth/tooth pain occasionally or very often during the past 12 months

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Dental Insurance Waiting Periods

A waiting period is the amount of time a consumer must be continuously enrolled in a dental plan before that plan will cover a specific benefit. Waiting periods are normally attached to specific services so a plan might have no waiting period for basic care such as fillings and x-rays but have a waiting period for crowns, root canals, and teeth whitening. For more detailed information, refer to our article “dental insurance waiting period.”

A dental plan with a waiting period for orthodontic benefits may still be classified as a dental plan without waiting periods because orthodontic benefits are not generally considered core dental benefits. In fact, most individual dental insurance plans do not cover braces and other orthodontic care.

No Waiting Dental Insurance Gets You Into The Dentist

And Spirit Dental gets you in faster. You can have next-day coverage on a cleaning & exam, filling, crown, implants, or braces. Our no-waiting-period dental insurance gets you the help you need.

Spirit Dental also makes it easy to see your dentist. With one of the top networks in the country, you’ll have no problem finding a dentist close by. You’ll also receive an average of 32% in-network savings per procedure. And with our Choice plans, you can see any dentist and still receive the same great benefits Spirit Dental offers. Additional plan benefits:

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