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 Affordable Coverage: Delta Dental
- Coverage Limit: $1,000 to $1,500
- States Available: 50
DeltaCare USA is an affordable plan making its provider Delta Dental our choice for the best affordable coverage. Copays are just $20 for up to two cleanings per year, and theres no charge for exams and X-rays.
HMO option with no deductibles or annual maximums
Copays by procedure
Relatively low premiums
Only one plan with no waiting period on everything
Premiums must be paid for the year upfront
Doesnt cover some procedures like implants
Delta Dental is one of the largest dental providers in the country, serving more than 80 million people and maintaining a network of more than 364,000 dentists. By focusing exclusively on dental insurance, Delta Dental can offer lower prices than many competitors. A variety of plans is available for both individuals and companies.
Delta Dental offers only one policy with no waiting periods, but with a low monthly premium, it is incredibly affordable. This HMO plan, named DeltaCare USA, works with a copay structure instead of the coinsurance rates associated with PPO plans. Copays are listed by procedure and are fairly reasonable youll pay only $20 out of pocket for cleanings, with exams and X-rays free of charge, while fillings cost $25 to $120, and root canals are $240 to $400. There are no deductibles or annual maximums.
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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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.
How To Get Dental Insurance
Most people have access to dental insurance through their employer. However, those who are uninsured or underinsured like Medicare beneficiaries need to purchase a standalone policy.
Our guide on how to get dental insurance with Medicare can help you with this process.
You can also purchase a standalone policy directly with the insurance company or through a marketplace. Dental plans sold on Healthcare.gov have to meet the criteria set by the Affordable Care Act, which include offering coverage for pediatric dentistry, emergency services and prescription drugs.
Follow these guidelines to pick the right dental insurance provider:
Identify your dental needs.
A young adult with healthy teeth has very different dental care needs than a child with malocclusion or an elderly adult with tooth decay or gum disease. We recommend writing down the dental care needs of you and your family to make it easier to find providers that cover these procedures.
A general rule of thumb is to look for plans that cover 100/80/50: 100% preventive coverage, 80% basic work and 50% major work. However, its important to see whats included in each percentage. A policy covering 50% of major work but excluding implants may be useless if your main concern is missing teeth.
Review the different types of dental plans
We go over common dental plans in our types of dental plans section. Revise each one to see which fits best in terms of coverage benefits, plan options and cost.
Compare cost vs value
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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.
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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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.
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.
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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.
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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Why Humana Is Our Top Pick For Dental Insurance With No Waiting Period
Humana offers a selection of dental insurance products at different price points. The Bright Plus PPO plan has no waiting period on basic dental services, and the Loyalty Plus plan has no waiting period on major dental services. In other areas, Humanas offering is reasonably competitive too. Its highest annual limit is $1,500, which is beaten by Surebridge but is still near the top of the pack. The $50 deductible offered on most plans is industry standard. The Loyalty Plus plan has a higher deductible, but this may be worthwhile for seniors who require urgent dental work.
We looked at some other dental insurance providers to see how they compare to Humanas offerings:
No waiting period on basic services on some plans
Loyalty Plus has no waiting period for major dental services
6 months for basic dental services
12 months for major services
Waiting period waived if previously insured
6 months for basic dental services
12 months for major services
Waiting period waived if previously insured
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 Dental Insurance With No Waiting Period
Many dental insurance policies impose a waiting period of months or even years before certain services are covered, meaning you might have to choose between putting off essential procedures or paying the full cost out of pocket. Dental insurance with no waiting period begins coverage on day one so you dont have to wait.
Best For Singles: Physicians Mutual
3-month waiting period on basic services, 12 months on major treatment
Physicians Mutual has offered insurance plans to millions of Americans since 1902, with the goal of making coverage easy to understand.
All of the companys dental plans cover the same 350 procedures, you just need to determine which monthly fee and level of coverage work best for you. While theres no waiting period for preventative treatment, basic services arent available for three months and major treatments like dentures and root canals require a 12-month wait. Acceptance is guaranteed for anyone 18 or older. Note: Orthodontics aren’t covered and limitations apply.
Keep in mind theres no deductible to meet and that translates into savings. You can see any dentist you want, or save a national average of roughly 36% on covered services by choosing a dentist from the carriers network of more than 500,000 provider locations.
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Find The Best Dental Insurance With No Waiting Period
There are a few crucial factors to consider when searching for the best dental insurance with no waiting period. We recommend you decide whether there are certain treatments that youd be willing to wait for compared to treatments you will need regularly. While it may be challenging to find dental insurance for braces with no waiting period, you may be able receive that treatment a couple months down the road.
While full coverage dental insurance with no waiting period is less common, you can still get some priority treatments without a wait and get more invasive treatments in 3-6 months, depending on your plans schedule.
We recommend you take a close look at the dental insurance waiting periods and maximum amounts your plan will pay. It is more common for PPO dental insurance to have no waiting period compared to HMOs. However, waiting periods can vary depending on the company. These factors will help determine which dental plan is best for you.
Best Dental Insurance With No Waiting Period
Waiting periods for dental insurance refer to the time between purchasing a plan and when you can actually take advantage of certain benefits. While many of us would just assume all benefits would be available immediately, waiting periods are used by dental insurance companies to protect themselves from individuals who only buy coverage because they are faced with an expensive dental procedure.
Even if the company does have a waiting period, however, most will immediately cover diagnostic and preventive procedures. Basic procedures include extractions, periodontal treatment, root canal , and fillings. Some plans also offer no waiting periods for these treatments as well. The amount of reimbursement for basic procedures is also lower compared to diagnostic and preventive treatments. For major procedures, such as crowns, bridge, inlays, dentures, oral surgery, and implants, most services require waiting periods, and coverage percentages for major services are also significantly lower compared to preventive and basic treatments. Some companies, however, don’t require a waiting period at all and provide coverage automatically, even for more major interventions.
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What Does Dental Insurance Typically Cover
Most plans cover 100% of preventative care and a portion of basic services like fillings and major services like root canals and implants. Some plans also cover orthodontic services. Because plans vary so much in terms of what they cover, its important to do your research before selecting a carrier.
Can I Go To The Dentist During My Waiting Period
Dental insurance waiting periods commonly apply to major procedures like crowns, bridges, and implants. If your dental insurance plan has a waiting period, it will be listed in your benefits summary along with the length time before full coverage begins, as well as the specific procedures for which the waiting period applies. If you have a dental procedure that isnt covered during the waiting period, you are responsible for the full cost.
But some dental services are covered from day one of your plan. In most cases, there is no dental insurance waiting period for routine care like exams, cleanings, and x-rays. These services are considered preventive they keep your teeth healthy and help you avoid more costly procedures down the road. Because of this, preventive care is usually covered from day one, even if your dental insurance plan has a waiting period for other procedures.
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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.
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