Why Do Insurance Plans Include A Waiting Period
Insurance carriers often allow their corporate clients to enact a waiting period before coverage begins. The waiting period is frequently used by companies that have a high turnover rate setting a waiting period requires employees to work diligently and buy into the corporate culture before benefits begin.
Does the waiting period apply to all benefits? Generally, no. However, you should review the waiting periods for certain procedures and determine whether you require an exemption.
Waiting periods also may apply to pre-existing conditions. In cases such as these, the insurer may have a much longer waiting or exclusion period.
If you, for example, have a waiting period of 18 months for oral cancers, you will receive credit for the 9 months of coverage you had before this policy began. In short, your waiting period drops proportionate to the duration of your previous coverage.
What Are The Expected Costs Of Dental Insurance With No Waiting Period
The quotes we received for dental insurance plans with no waiting periods were anywhere from $7 to around $100 per month depending on the coverage, limits, and deductibles. If you choose a plan with no deductible, keep in mind that you may face higher monthly premiums or have to pay more in coinsurance for the first year or two.
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I was looking for a Delta Dental Premier plan like I used to have at work and found one so I could keep using the same dentist that Ive seen for years.
I needed dental and vision combo and signed up for Delta Dental with VSP vision. Easy steps to sign up and got my confirmation email immediately.
Sarah A.
Needed dental implants and found out they are expensive. I found a plan with Renaissance Dental to help offset my costs to get implants.
Alex B.
I called and spoke with EasyDental and the rep helped direct me to the best plan for me. Very nice to work with and got a plan with Delta Premier.
Lauren C.
I needed a new dental plan. This website made it simple to sign up for a Delta plan like I used to have at work.
Preston R.
I wanted a plan with no waiting periods and found one with Renaissance Dental to help pay for my root canal and other major work.
Kristi A.
I dont understand insurance very well, but their customer service helped explain the plans and I got one with Delta Dental that includes my dentist.
Jennifer S.
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Explore Our Dental Plans For Seniors
Whether you just want to maintain a perfect smile, or need specific procedures like implants or dentures, SHD has an affordable option for you.
Better yet, most of our plans allow you to keep your current dentist or you can choose from over 200,000 participating dental access points nationwide. When it comes to dental insurance for seniors, SHD is your best option.
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.
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Can My Dental Insurance Carrier Waive A Waiting Period
Insurance carriers and/or employers can waive your waiting period at any time, but that is at the carriers/employers discretion. Collect as much documentation as possible, contact the carrier or your employers insurance department and seek a waiver. Your dentist may even write a letter stating that your treatment is medically necessary and simply cannot wait.
Find The Right Dental Insurance Plan For Your Needs
If you are planning on getting basic dental care or major dental services , dental insurance plans with waiting periods may mean paying out-of-pocket or delaying dental care until the waiting period expires.
There are several ways to ensure that a waiting period doesnt translate to out-of-pocket costs or a potentially painful wait for care:
To learn more about waiting period waivers or Humana dental plan options that have no waiting periods, talk with a Humana dental insurance expert by
Dental plans, excluding Dental Savings Plus, may have a minimum one-year initial contract period.
Payment may include an administration fee. Association membership and fees may be required on some plans in some states. A one-time, non-refundable enrollment fee may apply . Applicable fees are disclosed at time of enrollment.
For Colorado: The Network Access Plan, which describes an access plan specific to your network, is available by calling the customer service number found on your Humana Vision ID Card/Dental ID card and requesting a copy.
This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional. You should consult your doctor to determine what is right for you.
Medical Plans
Life Insurance Plans
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Carrington 500 + Aetna Dental Access Preferred Plan
Carrington 500 + Aetna Dental Access combined dental plan is perfect for seniors who dont have dental insurance or dont like the coverage their dental insurance plan offers. 1Dental combined the two most popular dental discount plans to get maximum savings for both general and specialist dental services. You can get two dental plans for the price of one
Plan Highlights
- Vision included at no extra cost
Cons
- Family plans cost more than individual dental plans
Pricing
- Individual Plan – $99/year
- Family Plan – $179/year
We worked hard to get your preferred rates for the combined dental plans. 1Dental is offering the preferred plan for a cost of $99/year for 1 member! That’s 58% off! Get the preferred plan here and save today!
Overview
Using a combined dental plan can save you thousands on both basic services and major services. You also don’t have any waiting periods or coverage limits like typical dental insurance for seniors. Save big on dental procedures like root canals, crowns, or dentures.
Dental Coverage With Discount Plans
Dental discount plans for seniors cover absolutely everything. Everything. Well, as long as its something provided by your dentist. Thats cleanings, X-rays, periodontal treatments, dental bridges, implants, extractions, orthodontics, dentures, etc.
Dental savings plans also cover elective services and cosmetic procedures from your dentists office. Like whitening, porcelain veneers, and gummy smile treatments. If your dentist offers Botox or dermal fillers, they might even include those as well Plus there are no waiting periods with dental savings plans.
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How Much Is Senior Dental Insurance
Paying into traditional insurance as a senior may cost more than it did when you had a plan through your employer. Since youre purchasing the plan directly and having to navigate things like dental insurance networks, copays, and annual allowables, theres a lot more to consider than just the monthly premium that youre paying. But on average, a typical senior dental insurance policy will run you somewhere between $30 to $100 a month
Are Dental Discount Plans Worth It
If youre a senior who is looking for affordable dental coverage, its worth it to sign up for a dental discount plan instead of paying for a high premium insurance policy or Medicaid/Medicare add-on. Dental savings and discount plans are easy to understand, simple to sign up for, and never leave you guessing about your out-of-pocket costs for comprehensive dental care. And best of all, they cover absolutely everything. Its not that dental insurance for seniors isnt worth it, but its time to think outside the box to consider the better options that are out there for people of all ages!
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The 7 Best Dental Insurance Plans With No Waiting Period Of 2022
- Best Preventive Care: Denali Dental
- Best Basic Coverage: UnitedHealthcare
- Best Major Coverage: Spirit Dental
- Best for Orthodontics: Ameritas
- Best Affordable Coverage: Delta Dental
- Coverage Limit: $1,000 to $1,500
- States Available: 49
Humana offers the most diverse dental insurance options with no waiting period, with three different plan types to choose from. Factor that in with affordable premiums, low deductibles, and a huge network of providers, and this insurer easily comes out on top as best overall option in our review.
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No waiting period for all covered services on some plans
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Choose from three different plan types
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270,000 in-network dentists
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Higher coinsurance than some competitors
Humana offers no waiting periods with four of its seven dental plans, and the options and benefits available are some of the best in the industry. Those who want coverage to begin immediately can choose from a PPO plan, HMO, or a dental discount plan with some of the lowest premiums we were able to find from any provider.
Humanas Preventive Value Individual and Dental Loyalty Plus plans provide PPO coverage, and we were quoted reasonable rates. Preventive Value Individual is designed for those who need only preventive and basic services, while Dental Loyalty Plus adds major service coverage. Both plans pay for 100% of preventive services. These preventive services include the standard two cleanings with exams per year.
Why Do Some Dental Insurance Plans Have Waiting Periods
Dental insurance waiting periods are not necessarily a bad thing. They can help forecast costs for you and the insurance company wisely. Usually, you and your provider have a mutual interest in keeping premiums down. However, sometimes patients undergo expensive procedures and halt coverage soon after, impacting costs for everyone.
The dental insurance waiting period serves to keep costs down for all customers. If you visit the dentist before your waiting period is over, you may face substantial costs. Searching for dental insurance without a waiting period, or a short waiting period, can help prevent this situation from occurring.
Its also important to note that some procedures within your dental insurance plan have no waiting period, while other treatments do. We recommend visiting the plans schedule to see if it makes sense for your needs.
For example, it may be difficult to find dental insurance with no waiting period for dentures. On the other hand, introductory treatments like x-rays, topical fluoride, and periodontal evaluations may not face a waiting period.
Peace of mind doesn’t have to break the bank
Dont wait until its too late. Help cover yourself and your family with affordable coverage from Aflac.
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Dhmo Plans Full Coverage Dental Insurance With No Waiting Period
If youre looking for dental insurance with no waiting period for root canals, braces, or other major services, a DHMO plan could work for you.
DHMO plans offer full coverage dental insurance with no waiting period. A DHMO dental plan is an arrangement where dentists agree to give their patients a reduced cost for services as an in-network provider.
Patients on a DHMO plan typically enjoy lower costs and plenty of coverage. Plus, DHMO plans usually offer dental insurance with no waiting period and no maximum. Some other dental insurance plans have a maximum dollar payout for each benefit year, but that isnt usually the case with DHMO plans. Many DHMO plans dont have a deductible either, but there may be a charge per dental office visit and a copay.
If You Need Dental Coverage Benefits Right Away Look For Dental Insurance With No Waiting Periods Like Dhmo Plans
Dental insurance can help you be prepared for any dental emergencies that arise but those emergencies arent going to wait six to 12 months for your benefits to kick in and your waiting period to end. If you have a dental emergency, you may want a plan with no waiting periods.
Fortunately, there are plenty of affordable dental insurance options out there that dont involve any waiting periods. If you want to purchase dental insurance that starts offering benefits immediately, read on to learn about dental insurance options that dont have any waiting periods.
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Other Dental Insurance Plans We Considered
The following companies didnt meet the requirements for any of our Best for categories, including providers with higher premium rates and dental insurance marketplaces. However, many offer comprehensive dental care and are still worthy of consideration.
MetLife
MetLifes five dental insurance options include affordable HMO policies with fixed copayment fees and PPO policies for members who want in-network and out-of-network coverage.
The most comprehensive policy available is PPO High, which has a yearly payout limit of $2,000. The plan covers 100% of preventive care, 80% of basic procedures and 50% of major work. The premium plan starts at $44.90.
- $20 enrollment fee
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.
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How We Chose The Best Dental Insurance Plans Of 2022
To rank the best dental insurance plans of 2022, we evaluated:
- Coverage benefits for preventive, basic and major services – Our top picks offer 100% coverage on all preventive services and offer at least one plan that covers 50% of basic and major procedures.
- Annual maximum limits – Most dental plans limit payouts to $1,500 or $2,000 per year. Providers that set annual limits under $1,000 didnt make the cut.
- Premium rates – We excluded plans that charged high premium rates and didnt offer more affordable options. Paying over $70 a month for dental insurance is not feasible for many, even if the plan offers unique benefits such as no waiting periods or high payouts.
- Multiple plan options – Dental care needs vary a lot per person. We selected providers that offer something for everyone, be it prevention-focused plans or more comprehensive benefits.
- Customer satisfaction – We cite the complaint index set by the National Association of Insurance Commissioners and each companys ranking in J.D Powers 2021 U.S Dental Plan Satisfaction. We didnt exclude companies based on consumer satisfaction due to limited data. Instead, we list the available information in the pro and con section.
What Other Factors Should I Consider When Enrolling In Dental Insurance
When enrolling in a dental plan, there are two primary things to consider: need and cost. The primary role of a dental plan is to help keep your teeth and mouth healthy, which in turn can help protect your overall health against conditions like heart disease, diabetes, and other health conditions that are impacted by periodontal disease. Dental care can even help mental health by building self-esteem.1
Think about what services you may need in the not-so-distant future. If you or someone in your family has had dental health issues in the past, look at the insurance policy’s Plan Summary to see if those issues are covered. Even if you don’t have a specific concern, you should look at the dental procedures covered. You may not recognize them allbut the longer the list, the better. Finally, if you have kids, consider a dental insurance plan with orthodontic coverage.
If you choose a less expensive plan because the premiums are lower then skip needed dental work because of the out-of-pocket costs it will likely cost more in the long run. You could have more toothaches as well.
When choosing a dental plan, keep a few things in mind:
Are you a dental professional? Find out how to join Guardian’s growing network of dental benefit providers.
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Shop Now For Dental Insurance Plans With No Waiting Period
If youre ready to shop for dental plans in your area but youre feeling overwhelmed, use the Direct Benefits Marketplace, where you can compare plans and weigh their pros and cons based on factors like waiting periods. Then, once youve found a plan that works for you, you can easily sign-up so you can start reaping its benefits as soon as possible.