Dental Insurance Oklahoma No Waiting Period

What If I Have An Hmo Plan And I Need To See A Specialist

If your selected participating dentist determines that you need specialty care, you have access to a network of specialty care providers. Most plans are direct referral plans, which means your selected participating dentist will provide you with the name of a network specialist. No preauthorization is required. You can call the specialist directly to schedule your visit.

Any copayment amount for specialty services is listed in your Schedule of Benefits.

Best For Braces: Anthem

• Rates vary based on geography

• Most affordable policy doesnt cover braces or other major services

Since, the 1940s, Indianapolis-based Anthem is one of the largest health benefits companies in the U.S. It offers numerous health plans and specialty plans to over 43 million subscribers.

AM Best gives it a stellar rating for financial strength and for long-term issuer credit rating. The has also won numerous awards, including a place on Fortunes the Worlds Most Admired Companies. Anthem is available direct and through employers.

Anthem is the best dental insurance for no waiting periods for braces because one of their plans, the Anthem Essential Incentive plan, covers children’s braces on day 1 for up to $1,000 per year at a 50% coinsurance rate. The Anthem Essential Choice Platinum also covers braces with no waiting period.

While it doesn’t cover braces, Anthem Dental Net 3000 also had no waiting periods for 500 covered procedures with no deductible or annual maximums. The range of rates for a woman in California under 50 is about $16 to $60 a month, and the Incentive plan is roughly $58.

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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Dentalplanscom: Best For Dental Savings Plans

Dentalplans.com is a hub for you to search and find a dental savings plan. Dental savings plans are not insurance. But your monthly membership buys you a savings card to present at the dentist of your choice for a percentage off the price of your services.

Dental savings plans can be an affordable alternative to insurance. Your plan works through nationwide network of dentists that offer 10 to 60% savings on preventive and restorative treatments.

Dentalplans.com is the perfect place to find your savings plan. If you find the same dental savings product at a lower cost, call its AtYourService® Team. It will match the price offered by online competitors.

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Get Care Now: Dental Plans With No Waiting Period

You never know when a major dental procedure will come your way. Maybe your child was involved in a contact sport where they lost a front tooth. Or perhaps you chipped a molar tooth and are having difficulty chewing. With most dental insurance plans, major services like crowns or oral surgery require waiting periods. But there are options, like a dental savings plan, that provide immediate savings.

Understanding your dental plans waiting period and the reasoning behind the wait can help prepare you for dental emergencies when you need immediate care. Below, well cover what there is to know about dental plans with no waiting period, so you can get access to dental care should an emergency arise. For an in-depth overview of dental plans with no waiting period, read end-to-end. Or, you can use the links below to find an answer youre looking for.

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Best Overall: Spirit Dental & Vision

Spirit Dental

• 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.

Can You Visit The Dentist During The Waiting Period

Yes, you can visit the dentist during your waiting period, and preventive visits will likely be covered, as most dental insurance plans include coverage for preventive services without a waiting period.

If you require basic care like an extraction or fillings, you may want to consider dental plans that feature short or no waiting periods.

If you need emergency dental work or major surgery within the waiting period, you will likely have to pay the costs of those services out-of-pocket. Be sure to check with your new dental insurer to understand your coverage if you anticipate dental work within a waiting period.

Here’s what you can expect for dental insurance coverage, based on the type of care you need, during the waiting period:

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How We Rate Dental Insurance Companies

• Financial strength: The financial strength rating is based on the insurance companys A.M. Best financial strength rating. A.M. Best is a credit rating agency specializing in the insurance industry, which rates an insurers ability to meet ongoing obligations.
• Customer satisfaction: The customer satisfaction rating takes into account the insurance companys Better Business Bureau , National Committee for Quality Assurance , and Consumer Affairs ratings. These ratings are calculated using customer complaints and satisfaction ratings.
• Value: The value rating calculates an insurers overall value based on monthly premium, annual deductible, office visit cost, emergency room visit cost, and annual maximum out-of-pocket cost.
• Coverage: The coverage rating considers the insurers availability of coverages, plan types, and network size.

Immediate Dental Care Option Care 500 Dental Plan

The Care 500 dental savings plan is an affordable membership program that offers its members significant discounts on dental procedures at in-network dentists. Unlike dental insurance, there are no premiums and no waitingjust a yearly membership fee and the discounted rate you pay for your dental procedures at the dentist.

Sign up for the Care 500 Discount Dental Plan and begin using the plan immediately. You can access your member information via the 1Dental mobile app or email at the point of sign up. Simply show your ID to one of the dentists in the Care 500 network, and they will honor the pre-negotiated discounted rates giving you 20-60% off your visit!

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Top Rated Assisted Living Communities By City

We consider Humana to be one of the best dental insurance companies with no waiting period. The company has several plans to choose from, with some having no waiting period for basic dental services and the Loyalty Plus PPO having no waiting period for major dental work.

This sets Humana apart from most providers, but there are some other options for seniors looking for dental insurance with no waiting period. Cigna may offer waivers on waiting periods in some circumstances, and Aetna is also willing to waive waiting periods for those who had dental coverage prior to joining them.

What Is Preventive Care

Preventive dental care is any type of dental care that cleans your teeth and helps you avoid any more serious dental problems later. This usually includes:

• Dental cleanings

Most of the time, youll start receiving benefits for these sorts of services immediately when your policy becomes effective. This is great because most dental insurance also covers preventative services at 80% to 100%.

If its been over a year since youve been to the dentist and you dont have dental insurance already, purchasing some can pay off just with regular preventive dental visits alone.

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How Long Do Waiting Periods Last

Other dental insurance plans might stagger their coverage levels. For instance, you might receive 70% coverage for a particular service during the first year, 80% during year two, 90% during year three, and 100% coverage for the same service beginning in the fourth year. This is a way to encourage prevention through regular visits.

How To Find The Best Dental Insurance With No Waiting Period

Many insurance companies offer at least one dental plan with no waiting period. But you still must choose carefully, as some plans focus on preventive and basic care and dont include any coverage at all for major services. Technically, that means you dont have to wait to get major work if you need it, but the flip side is that since that care isnt covered, youre solely responsible for paying for it.

Humana dental insurance with no waiting period

As one of the largest insurers in the United States, Humanas dental plans dont disappoint, especially if youre wanting dental care ASAP. Humana currently offers seven dental plans: one HMO, five PPOs and one discount plan . Out of those plans, four have no waiting period:

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Individual Dental Plan Waiting Periods For New Policyholders

When you purchase a new dental insurance plan, the plan may include standard waiting periods of 3, 6 or 12 months before all dental procedures are covered, as dictated by the terms of the plan.

Most dental insurance plans have no waiting period for preventive care, but may include waiting periods for basic care or major dental services.

What Does Dental Insurance Cover

Dental insurance in Oklahoma covers most preventive and basic dental procedures, and your plan may also cover major procedures and treatments.

Common dental treatments include regular checkups, X-rays, cleanings and fillings. Other plans may offer some coverage for other common treatments such as root canals, crowns and bridges.

Youre usually covered for 2 preventive visits annually. Many plans follow the 100-80-50 coverage structure. That means they cover 100% of preventive care, 80% of basic procedures and 50% of major procedures at 50%. But some dental plans may not cover certain procedures at all.

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How Can I Buy Dental Insurance With No Waiting Period

When searching for dental insurance without a waiting period, first try to determine what major services you need right away and how much they will cost. Full coverage dental with no waiting period is available, As DHMO plans generally dont have waiting periods. Depending on the cost of the services you need, no-wait period dental insurance plans may not be worth the added premium cost.

Do Dental Insurance Plans With No Waiting Period Cover Everything

It depends on the policy. The ones we have identified in our list have at least one policy that often does cover everything with no waiting period. However, even with these policies, you will see in the details that the coverage increases the longer you subscribe, often over three years.

When you are shopping for dental insurance policies with no waiting period, you’ll find that most plans do not have waiting periods on cleanings and exams, but they do for fillings, crowns, or braces. That’s because dental insurance divides care into three service categories: Preventive, Basic, and Major. Heres a rundown on those different categories:

• Preventive: This category is your routine dental care, usually including cleanings, X-rays, exams, fluoride treatments, and sealants. Dental insurance policies typically have no waiting period for preventive care.
• Basic: These are dental treatments that dentists handle in-house, like fillings, simple extractions, some periodontal care, like scaling and root planing, etc. Many policies add a waiting period of three to six months, and sometimes longer, on this category of care.
• Major: These treatments are more complex, like bridges, crowns, dentures, implants, and orthodontics, among others.

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Can The Waiting Period Be Waived

In some cases, yes. You may be able to have the waiting period waived if you can demonstrate continual coverage, i.e., that you’ve had dental insurance in place with another dental insurance company for at least 12 consecutive months. You will need to supply a letter showing you had prior coverage and a summary of policy benefits from the previous dental insurance company. On the other hand, if you’ve had a lapse in coverage even if it was just a short one you will likely not be eligible to waive the waiting period.

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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What Is A Participating Dentist

A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 30 – 45% less than the average charges in a dentists community for similar services.2 Negotiated fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing, and benefit maximums. Negotiated fees are subject to change.

Basic And Major Dental Care

The two other main types of dental services are basic services and major services. Basic services might include procedures like fillings and non-surgical extractions. Major services often include larger procedures like root canals or surgery.

Though policies vary greatly from provider to provider, many dental insurance plans require a waiting period of anywhere from six to 12 months before theyll pay out any benefits for basic services. A typical waiting period for major services could be anywhere from 12 to 24 months.

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Aetna Dental Insurance: Best For Provider Network

Company Overview

Established in 1853, Aetna serves 12.7 million dental plan members and offers coverage in all 50 states. In addition to affordable dental plans, Aetna offers health insurance, vision insurance, Medicare Advantage Plans, and Medicaid services. With Aetna, you can expect access to a large network of providers, but some plans prohibit you from switching dentists for at least 12 months after you choose your primary dental care provider. Learn more about Aetna dental insurance plans to find out if one of them is the right fit for your needs.

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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Key Dental Plan Saves Members 20% To 60%

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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.

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