Dental Insurance With No Waiting Period For Wisdom Teeth Removal

Why You Might Need Your Wisdom Teeth Removed

There are several reasons why you might need to have your wisdom teeth removed, even when you do not have dental insurance.

For example, if your wisdom teeth are crowding other teeth, it is best to remove them to ensure that your remaining teeth are not crowded or displaced.

You might also require an extraction of your wisdom teeth if you:

• Are not able to brush your teeth correctly due to their position in your mouth.
• Have wisdom teeth that are partially extruded, allowing bacteria to enter the gum and affect the bone.
• Have wisdom teeth that are damaging other teeth by pushing them out of position or by putting pressure on those teeth.
• Have wisdom teeth that are too close to your permanent teeth to allow you to floss correctly.
• Have gum disease that makes your teeth vulnerable to bacteria.
• Have pain associated with chewing or cold or heat.
• Have cysts or tumors in the mouth.

We routinely see infected wisdom teeth, and these infections can become dangerous very quickly. In most cases, its a risk worth eliminating.

In some cases, you may find you have to have more teeth extracted than just your wisdom teeth. Emergency Dentists USA can help you find you denture specialists and dentures repair quickly to help you feel confident with your teeth in no time.

Oral Surgery Procedures With Out

Forelective procedures basically any cosmetic oral surgery patients typicallyhave to pay for themselves. Most insurance providers do not cover the costs ofprocedures such as:

• Tooth extraction, including wisdom teeth removal
• Dental implant placement
• Bone grafting and other pre-prosthetic procedures
• Treatment for obstructive sleep apnea
• Procedures to treat temporomandibular joint disorder

Some insurance plans may agree to cover some or all the costs for some of these oral surgery procedures if other non-invasive treatments have failed. For instance, patients with sleep apnea may be able to get coverage for surgical treatment if use of a CPAP machine has proven ineffective.

Dont Miss: Starbucks Dental Coverage

Dental Treatments That Health Insurance Might Cover

What dental procedures might your medical insurance cover? Many patients ask this question because they do not have a dental plan and need help paying for treatment.

Your healthcare policy may pay for specific dental work that it deems medically necessary: care arising from non-biting accidents, certain diseases, and treatments considered integral to other services included in the plan.

Dental implants, orthodontic braces, and oral surgeries such as wisdom tooth extractions and some jaw operations sometimes fit the definition.

However, most oral care does not qualify unless you have an infection resulting from a root canal or periodontal disease or need anesthesia for pain.

Dont Miss: Starbucks Health Care Benefits

You May Like: Are Periods Supposed To Be Painful

Average Cost Of Wisdom Teeth Removal

Wisdom teeth do not always have to be removed. If they have room to go in straight and aligned with the other teeth, healthy wisdom teeth can help you chew without causing any problems to your bite or oral health. However, if your mouth is not large enough to make room for another molar or if your wisdom teeth do not grow straight up into the mouth, this can lead to crowding, cysts, or infection requiring wisdom teeth removal.Wisdom tooth removal can cost anywhere from $200 to $1,000 per tooth. You may end up paying more if the tooth is impacted or if you have multiple wisdom teeth that need to be pulled, among other factors.

How To Get A Tooth Removed Without Insurance

If you need to have a tooth removed and you dont have dental insurance, you have a few options to potentially reduce the cost of a tooth extraction:

• Go to a local dental school: If you live near a university with a dental school, you might be able to receive discounted care from a dental student. Many dental schools have clinics where trained dental students see patients and are supervised by licensed dental professionals or oral surgeons.
• Set up a payment plan: Most dental or oral surgery offices can set up a payment plan, where you pay off the cost of your treatment over a longer period of time. If you know youre going to need financial assistance, inquire about a payment plan before your procedure.
• Apply to the Dental Lifeline network: The Dental Lifeline network provides free or discounted dental care for low-income and disabled individuals. Dental services are provided by dental professionals who volunteer their time. Not all dental procedures are covered, though.
• See if you qualify for Medicaid: If you qualify for Medicaid in your state, you might be able to get dental benefits included with your plan. Medicaid dental benefits vary based on location, but most states provide some coverage for dental emergencies.

Don’t Miss: Skipping Your Period On Birth Control

Other Things To Remember

Some health funds allow you to sign up for extras only cover while others offer extras packaged with hospital cover. You dont always need top level hospital cover with extras cover, especially if youre budget is limited. Some households may get a lot more use out of our Basic Hospital 500 Cover with Lots Extras rather than Top Hospital with no extras.

No matter which private health cover you choose, make sure to read the fine print and compare all the relevant details such as benefits, premiums, limits and exclusions. Shopping around and doing a bit of research will make sure you are able to get most of your dental costs covered and get the most out of your insurance premiums, while having the peace of mind that you and your loved ones will be properly taken care of no matter what happens.

Cost Of Wisdom Teeth Extraction With Insurance

The unreimbursed costs of wisdom tooth removal depend on whether you have health and or dental insurance in force. In my daughters case, she had both types of coverage, and her total out-of-pocket charges came to $508.

When you have both coverage types, the healthcare component will be primary, and the dental plan will coordinate benefits as secondary.

Don’t Miss: How To Remove Period Blood From Mattress

Picking The Right Cheap Health Insurance Extras Cover For Dental

There are several factors you need to consider before signing up for any kind of private health cover. Much like choosing hospital cover, which ranges from basic to top level cover, the right extras package for you is the one that fits your needs the best.

Franks extras range makes it easy to choose between getting the same amount back or a set percentage back per visit, up to your annual limits.

Some Extras lets you claim benefits for dental, optical, physiotherapy, chiropractic and acupuncture therapy, as well as avail of ambulance services and remedial massages.

Lots Extras includes everything that Some Extras covers and adds even more services such as podiatry, psychology, travel vaccinations and antenatal/postnatal classes.

Simple Extras gives you basic extras cover for our most popular general dental services.

Everyday Extras covers you for all services in Simple Extras plus common services like major dental, psychology and exercise classes.

More Extras covers you for all services covered by Everyday Extras, with even more services such as podiatry, occupational therapy, speech therapy, eye therapy and orthodontics.

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:

Preventive 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.

Recommended Reading: Can You Get Pregnant 5 Days After Your Period

How To Get Wisdom Teeth Removal With No Insurance

Some dental clinics will not accept patients without insurance. Since dental insurance is not included in most Medicare or private insurance plans, this puts millions of Americans in a tough position. You can either acquire a standalone dental plan or pay higher prices at clinics that accept uninsured patients. Fortunately, its not all bad news. You can still get wisdom teeth removal with no insurance at an affordable price if you know where to look.

As with any medical procedure, you should always make a budget before proceeding with any treatments. If you can afford to pay the prices listed above, great! However, if you need to find cheaper wisdom teeth removal, you do have options.

Will A Dentist Pull A Tooth On The First Visit

Its unlikely that a dentist will pull a tooth on your first visit. In most cases, a consultation is required, which allows the dentist or surgeon to determine what type of extraction is needed, whether an infection is present and whether the procedure requires anesthesia. The provider will also need to take x-rays to get a closer look at your teeth and jaw.

After the consultation, you will be booked for the procedure. If youre experiencing a dental emergency, the dentist or surgeon will try to book you as soon as possible. Many dental offices have emergency appointments available after hours for urgent situations.

You May Like: Does Tylenol Help With Period Cramps

How To Buy Dental Insurance With No Waiting Period

If youre looking for dental insurance with no waiting period, start searching for a DHMO plan. Look over any policy youre considering very carefully. Review terms for waiting periods, which type of services will be covered when, and coverage for pre-existing conditions.

If your employer doesnt offer dental insurance with no waiting period, you can still obtain an excellent, affordable plan on your own. Dental insurance is available for purchase online, over the phone, or through an insurance broker.

Guardian Dental Managed DentalGuard plans have no waiting periods, no deductibles, and no maximums. Plus, its available for purchase year-round, with instant approval and guaranteed acceptance. .

Will Dental Insurance Pay For Wisdom Teeth Extractions

Many dental insurance plans have some level of benefits for wisdom teeth extractions. Benefits for wisdom teeth extractions can range from 50% to 80% of the dentist or oral surgeons fees. They are also subject to deductibles and co-pays. Yearly maximum limits on the amount the insurance will pay each year also apply to wisdom teeth extractions. If your annual limit is $1,000 and you have a total bill of $4,000, your yearly maximum is quickly met with no benefits left for the rest of the year.

In another scenario, suppose you have all four wisdom teeth that are fully erupted into your mouth but are causing some pain and swelling. On the low end of possible fees, your bill might run around $600 plus any additional fees for anesthesia and X-rays. Your total might be less than $1,000. If insurance pays 50%, your bill could be around $500 with plenty left on your insurance annual limit to cover more dental work during the year.

Some policies have a waiting period before extractions are covered. If you have only recently become covered by your dental insurance policy, make sure to verify that any waiting period is met before scheduling your wisdom teeth extraction.

Read Also: Best Sitting Position For Period Cramps

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.

Dental Insurance That Covers Tooth Extractions

Most dental insurance plans cover tooth extraction. The catch is that plans cover extractions at a different rates of reimbursement. Here are examples of few dental insurance plans that cover tooth extraction

Also Check: What Age Does Your Period Start

Benefits Of Buying A Blue Cross Nc Plan

Plans are available in all 100 North Carolina counties

There’s no deductible for preventive care like routine checkups and cleanings1

Checkups and cleanings are covered twice per benefit period

Major services like crowns, dentures and bridges are covered1

You can see any licensed dentist in North Carolina

Convenient monthly payments as low as $39.91 a month

Using your dental insurance couldn’t be easier:

Choose a licensed dentist practicing in North Carolina

Make an appointment

Show your BCBSNC member ID card at the dentist’s office

Though most dentist offices will file a claim for you, if they don’t offer that service, you will need to file the claim.

Individual and 2 or more dependents

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 UnitedHealthcare plans pay a smaller percentage on day one of coverage than they do a year later.

Read Also: My Period Is So Heavy With Clots

Best For Basic Coverage: Unitedhealthcare

United Healthcare

• Some of the plans only cover Basic care at 35% on day one

• Plan availability varies by state

UnitedHealthcare is a prominent nationwide brand for insurance with a top rating from AM Best. It insures almost 40 million people nationwide and is underwritten by the Golden Rule Insurance Company. The company has a robust network of providers of roughly 1.3 million. UnitedHealthcare’s dental plans are available in most states through employers and direct, but the plan features may vary based on where you live.

There are no waiting periods on Basic and Preventive care, generous annual maximums on the higher levels, and shorter, three-month waiting periods for group health plans. In addition, several plans cover preventive at 100%. There are also no age restrictions on coverage. Moreover, the premiums are lower than we expected. For example, the monthly premium for a woman under 50 in California ranges from $24 to $64, depending on the plan.

The Cost Of Wisdom Tooth Removal

The basic cost of wisdom tooth removal varies according to the complexity of the procedure. This is often determined by whether the tooth is impacted or if it has fully erupted already.

Other factors that affect the cost include the level of anesthesia needed, the skill level of your maxillofacial surgeon, and the cost of living in your area.

These are typical costs associated with the procedure:

• There is a baseline cost of at least $75 per tooth extracted, so about $300.
• There is an additional cost of up to $200 per tooth, if you need more anesthesia, so you could spend as much as $800.
• Nitrous oxide costs about $40 to $90.
• Impacted wisdom teeth cost about $225 to $600 per tooth to remove.
• Prices vary according to geographical area. Expect higher costs in places with higher costs of living. The bill can go up to $4,000 total in some places.

Dental plans typically cap what they will cover at $1,000 to $1,500, so you may get a good amount of the cost covered, as long as you have no other dental expenses in the year. This can also vary a lot by insurer. They may decide that the operation is not necessary for your overall oral health.

The average out-of-pocket cost for wisdom tooth removal, after factoring in insurance coverage, is about $641 per tooth. However, this can range from $190 to $994.

You May Like: How To Slow Down Period Bleeding