Supplemental Dental Insurance For Braces
Because dental insurance isnt required by law, dental plans are technically supplemental in nature. But just because they arent required doesnt mean they cant have a serious positive impact. Purchasing supplemental dental insurance to help pay for braces and to complement your major medical plan can benefit your personal health as well as your finances. Just make sure youre well aware of the premium costs, maximum coverage amounts, and waiting periods.
Note that if you already have a dental insurance plan but it doesnt cover braces, it may be more cost-effective to switch to a different plan altogether than to buy an additional plan to help pay for braces.
Dont Let Your Teeth Be Damaged By Energy Drinks
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.
Needed dental implants and found out they are expensive. I found a plan with Renaissance Dental to help offset my costs to get implants.
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.
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.
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.
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.
Full Coverage Dental Insurance With No Waiting Period
When you get a full coverage dental policy, it may not cover every procedure immediately. That’s because many policies have a waiting period an amount of time between when you enroll and when you can actually receive some benefits. During the waiting period, your dental insurance company may pay for some procedures but not others.
Waiting periods vary and typically range from six months to one year, depending on the plan, insurance company, and the type of dental services needed. Your dental policy should clearly state which procedures are subject to a waiting period and how long until they are covered. For example, the policy may pay for preventive care like teeth cleanings right away, have a 6-month wait for basic care like fillings, and a 12-month wait for major care like crowns. In this article, we’ll explain things people ask about, including:
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New York Dental Insurance And Discount Dental Plans
Are you looking for dental savings in New York? Need to save on dental care for yourself or your family? Do you spend too much at the dentist? With a dental insurance or discount dental plan, you’ll save substantially on dental costs when you visit the dentist.
At AlphaDentalPlan.com, we offer affordable dental insurance and discount dental plans with NO waiting for services, so you can save on your next dental visit. Our individual and family dental plans in NY are available at low monthly costs. With a dental insurance or discount dental plan, you’ll save on dental costs when you visit the dentist!
Can Dental Insurance Waive Your Waiting Period
There are some instances where your new dental insurer may waive your waiting period, such as:
- When you continue coverage with the same insurer after you change employers.
- When you choose to roll-off your employer-sponsored plan and purchase individual insurance with the same insurer.
- If you change insurers, but do not have a break in your dental insurance coverage, some new insurers will waive the initial waiting period for new policyholders. Your new insurers will likely want to see similar dental plans used to accept this waiver.
Best For Veterans: Metlife
- Coverage Limit: $1,000 to $3,500
- States Available: 50
If youre receiving VA health benefits, MetLifes VADIP dental insurance plans offer no waiting periods alongside other perks for veterans and is the best we found here for veterans.
Affordable coverage for veterans and their dependents
500,000 provider network access locations
Annual maximums as high as $3,500
Must be enrolled in the VA health care program for the veterans dental plan
Only two policy options available
24-month waiting period for orthodontics
Insurance provider MetLife enforces waiting periods for most of its policies, but these are waived for retired service members through the Veterans Affairs Dental Insurance Program . Open to any veteran enrolled in the VA health care program, these dental policies are available at two coverage levels: Basic and High. For the standard plan, a single veteran will be charged between $28.89 and $33.80 a month. For the high plan, a single veteran will be charged between $61.14 and $71.53 a month.
MetLife is a global insurance provider offering insurance in many lines and has been doing business since 1868. The company holds an A+ rating from AM Best, indicating solid financial strength. MetLifes dental network for veterans includes over 500,000 participating locations, one of the largest in the country.
Can I Visit The Dentist During My Waiting Period
You can visit the dentist at any time, but if you do so during your waiting period, it might cost you. Many preventive dental procedures are covered from day one of coverage, even if your policy has a waiting period. But if you have a dental procedure done that isnt covered by your insurance during your waiting period, youll be responsible for the full cost.
Best Budget: Metlife Takealong Dental
Waiting periods on Basic and Major care services
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 standard option.
Plus, you can keep your children on the benefits until they turn 26. Perhaps best of all, the premiums are competitive. The rates for an individual under 50 in California come in at about $18, $38, and $45 per month, and $60, $111, and $138 per family.
Time For A Change From Dental Insurance
We give you the option to switch from traditional dental insurance to a New York dental savings plans at a moments notice. The reason? We know your needs will probably change at some point. We also offer a 30-day hassle-free refund policy, so if you decide your plan isnt right for you, you can change it without any penalties.
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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:
- 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
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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Dental Insurance With No Waiting Period: 6 Options To Consider
1. Spirit Dental
Spirit Dental provides several perks that might be hard to get with other providers. For example, the $5,000 annual max is higher than many others, three cleanings are covered each year, and you can choose from a large network of dentistsor go with a plan that lets you select any dentist you wish. Plus, there arent any waiting periods to worry about, and you can find plans that cover childrens orthodontics.
How To Find The Best Dental Insurance That Covers Braces For Yourself
Dental insurance plans vary greatly from one to the next. It isnt enough just to find a dental insurance plan that covers braces for adultsyoull also want to look into the insurance providers dental network, the type of plans they offer, whether or not your current dentist or orthodontist will accept your insurance, how much your monthly premiums cost, out-of-pocket costs such as deductibles and co-pays, and more.
Weve compiled a bank of resources to help you find dental insurance that covers braces and helps you save money on taking care of your oral health.
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Best Overall: Spirit Dental & Vision
- Plans are based on zip code
- Maximums range from roughly $1,200 to $5,000
- Available in 49 states
We chose Spirit Dental & Vision as the best overall because it has coverage for all dental care from day one and offers many plan options. Also, it has generous annual maximums, up to around $5,000, depending on the plan you choose.
No waiting periods for any category of care
Lifetime deductible of $100 for each member
Preventative covered at 100% from day 1
Teeth already missing arent covered
Coinsurance is low for year 1 on some policies
All plans are not available in every state
Offered by Ameritas Life Insurance Corp, Spirit Dental & Vision is a nationwide provider that has been around for over 20 years and has high ratings from both AM Best and Standard & Poors. You can buy a dental insurance plan with no waiting periods directly or through an employer, and it includes policies for individuals, families, kids, and seniors.
Spirit Dental is the best overall for a variety of reasons. With Spirit Dental, your coverage begins on day one of your effective date, and you have many plans and levels of coverage to choose from. You choose your dentist.
What Is No Waiting Period In Dental Insurance
A dental insurance waiting period is a period of time in which a dental insurance company will not pay for certain dental proceduresanywhere from six to twelve months. Dental insurance companies use waiting periods so potential customers do not just buy dental insurance when they have a list of dental procedures they need done and then cancel after the procedures are complete.
Waiting periods also lessen dental insurance costs for the consumer. The longer the waiting period, the lower the dental insurance premium will be.
Dental insurance with no waiting period means that there is no waiting to receive savings on certain dental procedures covered under the dental plan. Dental insurance with no waiting period is often difficult to come by. With a1Dental savings plan, you can access the care you need when you need itwithout the stress of having to wait for your coverage to activate.
So, why would someone need a dental plan with no waiting period? As mentioned above, should you have a dental emergency arisea toothache that requires a root canal and crown, for examplehaving a dental plan with no waiting period or a dental savings plan with no waiting will allow you to get the immediate treatment you need.
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How Do Dental Savings Plans Work
When you join a dental savings plan, you gain access to a network of dentists who have agreed toprovide discounted rates to plan members. You pay the discounted rate directly tothe dentist after receiving dental care.
- Save 10-60% on dental care, with reduced rates from 140,000+ dentists.
- Use whenever needed: no maximum annual or lifetime spending limits.
- Discounts on all included dental treatments within 72-hours of joining.
- Everyone is accepted, there are no background checks.
- Many plans include savings on prescriptions, vision and hearing care and otherhealthcare services.
- Have dental health problems, or dental work already in progress? Good news youstill save with a dental plan.
Can You Get Dental Insurance With Pre
Depending on your plan, you may be able to get affordable dental insurance with pre-existing conditions.
A pre-existing condition is an oral health problem that is already present at the time you sign up for insurance. Most plans will cover minor pre-existing conditions, such as cavities, right away. But some plans will not provide coverage for more serious pre-existing conditions. They may impose a waiting period for these pre-existing conditions or perhaps not cover them at all at any time.
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Key Dental Is Different Than Dental Insurance With No Waiting
See a qualified professional without waiting weeks or months. Youll also benefit from significant savings on nearly all dental procedures with a variety of specialists such as pediatric dentists, orthodontists, periodontists, prosthodontists, maxillofacial specialists, endodontists and oral surgeons.
In California, Florida, Texas and all over the United States, Key Dental Plan is different than dental insurance. With no waiting enjoy access to an expansive network of professional dental specialists who participate. Your existing dentist may even already participate!
Theres no need to stress if you dont have dental insurance. With no waiting join the Key Dental Plan today! Simply select the plan that is right for you or contact one of our friendly customer care representatives at 539-4550.
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.
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Can I Use Dental Insurance Right Away
In most cases, you can use dental insurance right away for preventive services, like cleanings and x-rays. However, depending on the policy, some basic services and major dental work such as fillings, extractions, or root canals will not be covered until after your dental insurance waiting period is complete. The waiting period is usually between six months to a year, although more expensive procedures may have a waiting period that’s even longer.
Dental Insurance That Covers Braces For Adults
Does dental insurance cover braces for adults? Some policies do, but finding a dental insurance plan that includes coverage for adult braces can be difficult. Some policies place an age limit on orthodontic coverageusually around age 19even though according to a 2017 study, one in every three orthodontic patients are adults¹.
If your dental insurance policy does have coverage for adult braces, find out if there is a yearly maximum benefit or a lifetime maximum for braces. Some policies typically pay a percentage of the dentists fees while others pay a flat fee. Lifetime maximum benefit amounts for braces are typically the most common limitation.
Dental insurance that covers braces for adults can help you save money on what can otherwise be a very expensive procedure. According to a 2015 article, it is estimated that the average cost of braces for adults is between $3,000 and $7,000².
If your current policy does not cover adult braces, do not despair. There are other options out there to help you pay for braces.