Dental Insurance Tn No Waiting Period

What Alternatives Are Available To Traditional Dental Insurance

Cigna Dental Insurance – No Waiting Periods

Dental insurance isnt for everybody. Typically, it makes the most sense for people with no dental problems who only need preventative care. Even a very basic policy will usually cover dental check-ups, cleanings, and x-rays. Many people find they spend less on dental insurance than they would pay for preventative care out-of-pocket.

But dental insurance is far less helpful if you have a problem which needs immediate treatment. At best, youll have to deal with waiting periods. At worst, the procedure you need might not be covered at all.

Dental Discount Plans, also referred to as Dental Savings Plans, are another way to save. For around $10 to $12 a month, you can join a plan where youll be issued a special membership card. Simply present the card at the offices of any of the 110,000+ participating dentists nationwide for instant savings at the time of service.

Unlike dental insurance, Cigna discount plans have no annual limits, no waiting periods and no restrictions on pre-existing conditions. Your discount card starts working about 72 hours after making your first payment. Plus, plans are available which cover not just you but your entire family.

Cigna dental insurance provides excellent coverage if you only need preventative care. But if you have existing dental problems which need treatment right away, a Cigna dental discount plan is the faster way to save.

Why Does My Dental Insurance Have A Waiting Period

Dental insurance waiting periods help insurance companies keep costs low. Establishing a waiting period helps prevent consumers from purchasing plans only when they need extensive work they cant afford on their own, then dropping their coverage. Waiting periods for major work help encourage regular exams and help keep membership high enough for premiums to provide coverage for those insured.

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:

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Diagnostic And Preventive Dental Procedures

Keeping your teeth in good health can help prevent major dental procedures down the road, which is why diagnostic and preventive dental procedures are imperative. Common diagnostics and preventive dental procedures include:

  • Cleanings
  • Sealants
  • Fluoride treatments

While most insurance plans dont include a waiting period for these procedures, they may restrict the number of times you can get these procedures each year, typically limiting you to one procedure every six months. However, with a dental savings plan, you can go to the dentist as often as you need without any limits, waiting periods, or exclusions.

What Is The Best Dental Insurance With No Waiting Period

Delta Dental Insurance Tn / 2

To find the best dental insurance no waiting period option, compare plans that give you the amount of coverage you need at a price you can afford.


Even when your focus is on getting a plan that wont restrict you with a waiting period, its wise to evaluate options based on out-of-pocket costs, including the premium, deductible, copay, and coinsurance. And dont forget about the annual maximum, which is the highest amount the insurer will pay to cover dental services each year.All of these factors can help determine how affordable a plan will be, as well as how much you can potentially save every time you see the dentist. So, you might want to narrow your options down to dental insurance with no waiting period and no maximum.


Some plans will impose a waiting period for specific types of treatments and services. For instance, while you might be able to start using the insurance to cover preventive care immediately, you might need to wait before receiving coverage for basic or major services.Try to find plans based on the support youll need for yourself and your family.

Here are some examples:


Finally, consider the network of dentists youll be able to choose from. Will you be restricted to a network, or will you be able to choose any dentist you like?

Depending on how much flexibility you want when it comes to selecting a dental professional, this factor can help you figure out which dental plan with no waiting period is right for you.

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What Services Does Dental Insurance With No Waiting Periods Cover

Dental Insurance With No Waiting Period:

  • Provides fast coverage for major work such as crowns, bridges, and dentures
  • Reduces your out-of-pocket expenses
  • Helps you receive prompt dental care to prevent further deterioration

Full-coverage dental plans with no waiting periods insure services such as:

  • cleanings

How Much Is Dental Insurance

Dental plan premiums range from $17 to $96. Cost varies per plan type, coverage level and state of residence.

The plans with the lowest premiums cover preventive procedures and offer minimal or no coverage for basic and major services. On the other hand, the plans with the highest premiums tend to have shorter or no waiting periods, high annual limits and comprehensive coverage for preventive, basic and major work.

If comprehensive dental benefits are cost prohibitive for you or your family, consider low-cost alternatives to dental health insurance such as dental school clinics and state assistance programs.

Cost of common dental procedures

The cost of dental care depends significantly on the provider, the location and whether the patients insured.

To give readers a general idea, we looked at the average cost of common dental procedures in the 2020 Survey of Dental Fees published by the American Dental Association . Then, we calculated how much that procedure would cost with an insurance policy that covers 100% of preventive care, 80% of basic work and 50% of complex procedures.

Heres what we found:

Cost without dental insurance
$264 $693

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Summary Of Dental Plans With No Waiting Period

Thankfully, there are many possibilities if you are looking for dental insurance plans with no waiting period. In fact, most plans have no waiting period for preventive services, and there are even some plans that don’t have a waiting period for major restorative services.

Other plans will waive waiting periods on major services if you’ve had dental insurance with a different provider for at least 12 consecutive months before switching over.

Have a look at the table below for a summary of the best dental insurance plans with no waiting period:


Find a plan

What Is A Dental Insurance Waiting Period

Dental Insurance For Seniors – Medicare Dental Coverage

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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How Much Does A Tennessee Dental Plan Cost

There is a considerable range in prices for Tennessee dental plans. We collected monthly premium quotes from 30 plans in the state for a 22 year-old applicant. At the bottom of the range of the plans we examined, there was the Careington 500 Series Dental Savings Discount Card. This option cost $8.95 a month. The top of the range was an indemnity plan offered by Nationwide, the Classic 2000 + VSP Premium. This plan included vision benefits alongside dental benefits and cost $92.49 a month.

The average premium among the 30 plans examined in 2022 was $37.84. Most of the plans had a maximum benefit. A maximum benefit is an annual limit on an insurer’s spending for an enrollee’s dental care. Most plan’s have a single maximum benefit regardless of how long a person is enrolled in the coverage. A few plans increase their maximum benefit across a few years. The average maximum benefit amount for the plans examined was $1,471 .

Where Can I Go If I Dont Have Dental Insurance

Dental procedures can be expensive, which is why many Americans may refrain from getting the dental care they need. One of the primary ways people get affordable dental care is through their insurance provider. But what happens when you dont have dental insurance? This is a reality for roughly74 million Americans, which means you may be wondering where you can go for a dental procedure if youre uninsured.

Fortunately, there are a few options for getting the dental care you need without spending an exorbitant amount of money. Some options include:

If you dont have insurance to cover dental care, dont worry. There are plenty of places you can go to get treatment at affordable costs. At 1Dental, our dental savings plans can help you find a dentist without the lengthy wait times, mounds of paperwork, and high prices.

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Best Dental Insurance In Tennessee: Plans Comparison And Review

Are you seeking to get dental insurance in Tennessee? If that’s the case, we understand how tough it may be to sort through the various dental plans offered to you.

In this guide, we’ve compiled information on the best dental insurance plans in Tennessee. There are many reputable providers available, such as Delta Dental, Humana, Metlife, Cigna, and Blue Cross Blue Shield Tennessee. We’ll go over the best affordable Tennessee dental insurance plans and provide you with advice on how to choose the one that’s right for you.

The following are some of the topics we’ll cover in our guide:

  • PPO vs. DHMO plans
  • Dental plans in Tennessee with no waiting period
  • Dental and vision insurance

We hope you can confidently make the right decision for your requirements after reviewing the various options for affordable dental insurance in Tennessee.

The nationwide dental insurance guide can be found by . allows you to quickly and easily compare dental insurance plans in Tennessee. Finding and enrolling in the best plans in your state is simple with this online marketplace.

Simply enter your zip code and date of birth to see what plans are available in your region, or call to speak with one of their professionals.

Get Treatment Today With The Key Discount Dental Plan

Dental Insurance

Have you or a loved one suffered with oral pain due to lack of dental insurance? With no waiting, Key Dental enables you to visit a qualified dentist right away even on the same day you apply for the plan. This is especially important if you have an immediate need to see a general dentist due to an emergency, or require a specialist for lengthy, in-depth treatment. Key Dental invites you to take advantage of our flexible policies with no waiting. Dental insurance may be more widely known, but a Key Discount Dental Plan offers from 20%-60% off all services and everyone is accepted!

With dental insurance, no waiting may or may not be a possibility. At times, clearance for certain procedures is needed. Key Discount Dental Plan is different because its not dental insurance. Members can see a qualified dentist right away. There are no forms, exclusions or limits on use. Everyone is accepted, so you and your family can reap the benefits of peak oral health, straight teeth and a sparkling smile without hassle.

Aside from no waiting, dental insurance may not offer monthly and yearly plan options. Key Dental Plan invites you to simply select one of three plans that best suits your budget and lifestyle.

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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.

Our Full Coverage Dental Insurance Plan Gives You The Best Benefits

Elite Care Coordinators:

We have a team of experts available at your convenience to help you maximize the value of your dental plan. Make sure you call us BEFORE booking your appointment.

Need personalized help? Let us give you a call!

Our dedicated team is here to help you find the perfect plan. Just give us some information and one of our experts will be in touch shortly.

Other Dental Plansyou might be interested in:

Smart Health Dental is a national dental plan that is dedicated to providing you with the best service in the industry. We are committed to developing quality dental products that provide consumers with the best value and choices in the insurance industry.

The Smart Health Dental PPO insurance policy is underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN, and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Products and services referred to may not be available in all states and jurisdictions. There is no ownership affiliation between Renaissance and Smart Health Dental. For complete coverage details, please refer to the certificate of insurance.

*Certain restrictions apply please call or email us for full details.

1Renaissance Partner Network Data 2016

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How To Choose The Best Dental Insurance For No Waiting Period

There are several other critical considerations that you should use to comparison shop dental insurance with no waiting period. Here are a few of the most essential ones:

  • Coinsurance Amounts: This amount is what you pay after the deductible toward the treatment invoice.
  • Coverage Annual Maximum: This amount is the most the policy will pay per subscriber in a given year.
  • Deductible: This amount is what you pay before your dental insurance policy’s benefits and coverage apply. Sometimes the deductibles are satisfied annually some are lifetime deductibles.
  • Exclusions: These are what the policy does not cover, an essential data point for policyholders.
  • In-network vs. out-of-network: You save the most when you work with an in-network provider benefits often decrease out of network.
  • Waiting Period Waiver: Some dental insurance companies will waive the waiting periods for the Basic and Major care categories if the insured can show dental insurance coverage for 12 months before enrolling in the new policy. You will often see this clause in the fine print below the summary of benefits.

Nationwide: Best For High Annual Maximums

Delta Dental’s Veterans Affairs Dental Insurance Program (VADIP)

Like UnitedHealth, Nationwide is a large insurance provider. The dental insurance plans from Nationwide give you some of the best choices for high annual maximums in Tennessee.

Two Nationwide plans have annual maximums of $2,000. Most plans only offer between $1,000$1,500 in annual benefits. A Nationwide plan is ideal if you need expensive dental procedures in the near future.

Best For

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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.

Best Basic Coverage: Unitedhealthcare

  • Coverage Limit: $1,000 to $3,000
  • States Available: 47

UnitedHealthcare is our review’s best for basic coverage with several affordable choices that cover all of your basic dental needs, and most of UnitedHealthcares dental insurance policies impose no waiting period for these basic services, accompanied by low coinsurance rates that decrease every year you stay with the provider.

  • Low coinsurance fees for basic services

  • No wait for preventive coverage and often basic too

  • Six-month waiting period for major services on some plans

  • Only one plan to cover orthodontics

  • Poor coverage for major services

Even with good oral hygiene and routine preventive care, most people need basic dental services such as fillings at some point. If youre looking for insurance to cover these treatments and you dont want to wait six months to a year for the policy to take effect, we recommend UnitedHealthcare. Seven of the providers 10 dental plans have no waiting period for either preventive and basic services.

UnitedHealthcare offers a wide array of dental policies. Many cover major services, but usually with a six-month wait. However, just one plan covers orthodontics, but coverage wont begin until 12 months after the policy start date.

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