Why An Insurance Company Might Waive Your Waiting Period
If you already have dental coverage and are simply looking for a new plan, there may be good news. Some plans will waive waiting periods in certain situations. For example, Humana will waive the waiting period for its Complete Dental plan if you can provide proof of your having dental insurance for the previous 12 months.
You already know that preventive dental care is the best and most cost-effective way to keep your teeth healthy, but its also a fact that nearly everyone will need either basic or major dental work at some point. If youre looking for a dental plan and already know you need work done, it makes the most financial sense to opt for a plan with no waiting period.
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.
Dental Insurance That Covers Braces For Adults Is Available But Its Not As Common Learn How To Find A Plan For Your Needs
If you are an adult and considering having your teeth straightened, adult braces can help you realign your teeth for a better smile and to improve the health of your teeth, mouth, and jaw. But, without dental insurance adult braces can be expensive.
While many dental insurance plans cover orthodontia for children 19 years or younger, dental insurance that covers braces for adults is available but its not as common since its often considered cosmetic.
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Full Coverage Dental Plans
Good news not all dental insurance plans have waiting periods. Even the longest and strictest of waiting periods usually vary depending on the type of service. Most insurance providers split dental procedures into three categories: preventive procedures, basic procedures, and major procedures. Preventive services are usually not subject to waiting periods, but basic and major dental care often are subject to waiting periods. These are the most common types of dental insurance with no waiting periods:
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.
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 avg 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:
What To Consider When Choosing Dental Insurance
Waiting periods are just one thing seniors should think about before choosing a dental insurance provider. Individual providers can set their own rules about the types of care they cover, the copays and deductibles they apply and which dental surgeries are in their network. The best dental insurance providers give customers flexibility when it comes to choosing their dentists and provide cover for preventative care and basic dental work as well as dentures, implants and other more major care.
Before choosing a provider, read the terms carefully. Make sure it works with the dentist you like and that its flexible when it comes to emergency dental care. Some providers refuse to cover care at an out-of-network dental surgery, even in an emergency.
Changing Dental Insurance During Braces
Orthodontic treatment is typically a gradual process. It can take as long as 1-3 years for braces to reposition the teeth in an ideal bite, and in the meantime, it involves regular checkups and adjustments. Switching dental insurance policies while having braces can be tricky, but it is possible.
If you receive dental insurance from your employer and that employer changes insurance while you are receiving orthodontic treatment, your new insurance company typically picks up the payments where the other company has left off, taking into account how many months the previous company has paid and how many months of treatment are left.
If you have individual dental insurance, waiting periods and other restrictions may apply when switching carriers. Plus, your deductible, maximums, and premiums all reset when you change insurance carriers. If you can help it, changing dental insurance during braces probably isnt the best idea.
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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.
What Is Considered Major Dental Work
Major dental work refers to services that replace missing or damaged teeth. In dental insurance, major work falls into the most extensive of the three groups used to categorize most dental care:
- Preventative Services: Diagnostic and preventive services, such as cleanings and X-rays
- Basic Services: Basic restorative care, such as fillings and extractions
- Major Services: Major restorative care, such as root canals and crowns
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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.
Dental Insurance With No Waiting Period: The 4 Best Plans Of 2022
Dental insurance with no waiting period means that patients can receive insurance coverage for treatment without having to wait. If you don’t have a waiting period, you can sign up for insurance, and the day it begins you can start getting the treatment you need.
There are plenty of insurance companies that offer dental insurance with no waiting period, but some of them have high monthly premiums and low annual coverage limits.
We’re here to help you wade through the exorbitantly expensive plans to find the best dental insurance with no waiting period for your budget and your oral health needs.
There are a lot of dental insurance plans with no waiting period, especially when it comes to preventive and basic care, so you might be wondering how to get started. If you’d like some help, just head to Dentalinsurance.com. This online insurance marketplace makes it easy to find the best insurance plan for you.
Just enter some basic information and you’ll get to see the best plans available in your area. When you see a plan you like, just open up the plan details, and if there is no waiting period, it will be listed at the top of the page.
You can also call to speak to a friendly licensed agent.
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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.
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
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.
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Best Overall: Spirit Dental & Vision
- Maximums range from roughly $1,200 to $5,000
- Available in 48 states
We chose Spirit Dental & Vision as the best overall because it has coverage for all dental care from day 1 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 since the 1880s 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.
One thing to note is that Spirit does not cover prosthetics for missing teeth unless the prosthetic also covers a tooth lost while the subscriber is insured with them. In comparison, the premium rates vary based on where you live and other variables. An online search found that for a woman under 50 in CA, the range was roughly $44 to $108.
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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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.
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:
- 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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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.
Why Is There A Waiting Period
Dental insurance waiting periods help keep insurance costs low in the long run.
Think of it like insurance for your insurance company. Dental insurance waiting periods encourage customers to seek regular treatment rather than purchasing last-minute insurance coverage for a major procedure and then dropping the plan when the procedure is complete. If the majority of people carry dental insurance even when their teeth are healthy, this keeps the cost of premiums and coverage low for everyone.
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