Individual Dental Insurance No Waiting Period

Shop Now For Dental Insurance Plans With No Waiting Period

If youre ready to shop for dental plans in your area but youre feeling overwhelmed, use the Direct Benefits Marketplace, where you can compare plans and weigh their pros and cons based on factors like waiting periods. Then, once youve found a plan that works for you, you can easily sign-up so you can start reaping its benefits as soon as possible.

Dental Insurance Waiting Period

No. Waiting periods vary by plans. Some plans may have waiting periods for several covered benefits while other plans may have no waiting

Theres no waiting period for preventive care and certain basic services like fillings and extractions. See the next page for more about coverage for major

If youre looking for a dental PPO plan where you can see any dentist you choose, provides coverage for preventive care such as cleanings and X-rays, crowns,

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Types Of Dental Insurance Plans

The three types of dental plans on the market today are dental preferred provider organization plans, dental health maintenance organization plans and fee-for-service plans:

Dental preferred provider organization

DPPO plans have a wider network of dentists, and patients have more flexibility when choosing their doctors. You can see providers both in-network and out of network, but youll find the best rates within the dental provider network.

This flexibility comes with a higher price tag premiums for DPPO plans are more expensive and have higher out-of-pocket costs.

Dental health maintenance organization

A DHMO plan works within a dental provider network. Theres a fixed copayment for each visit, premiums are more affordable and there are no annual maximum limits.

Members of a DHMO plan have a smaller provider network to choose from, and theyll also need to select a primary care dentist from the plans network. Lastly, theres no out-of-network coverage, and seeing a specialist requires a referral.

Fee-for-service plans

Fee-for-service plans pay a flat rate for eligible services. This plan type allows greater flexibility because patients can visit the provider of their choice.

On the downside, out-of-pocket expenses are higher. Patients can either make a copayment at the dentists office or pay upfront and then file a claim for reimbursement with their insurance provider.

Dental discount plans

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Dental Plan Categories: High And Low

There are 2 categories of Marketplace dental plans: High and low.

• High coverage level has higher premiums but lower copayments and deductibles. So you’ll pay more every month, but less when you get dental services.
• Low coverage level has lower premiums but higher copayments and deductibles. So youll pay less every month, but more when you get dental services.

When you compare dental plans in the Marketplace, youll find details about each plans costs, copayments, deductibles, and services covered.

Is There Dental Insurance Without A Waiting Period

Yes, depending on the dental insurance carrier and the plan. Employer-based group dental benefits plans are more likely to offer options without waiting periods. Also, if you’ve had coverage with another company for the past 12 consecutive months, you may be able to waive the dental insurance waiting period.

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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.

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:

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Best Major Coverage: Spirit Dental

Spirit Dental

• Coverage Limit: $750 to $5,000
• States Available: 50

Spirit Dental is our best for major coverage, as it offers eight policies with no waiting period and competitive coinsurance rates for major services. Diverse coverage options allow you to find the right balance between monthly premiums, annual maximums, and out-of-network flexibility.

• No waiting periods for any covered procedures

• One-time deductible of $100

• Annual limits up to $5,000

• High out-of-pocket costs for orthodontics

• Expensive monthly premiums

• Less favorable terms in the first year

No one wants to think about undergoing major dental work like crowns, implants, and procedures that require anesthesia. But when these expensive treatments come up, having an insurance policy that covers them can provide some financial peace of mind.

Spirit Dental is one of the few dental insurance companies that doesnt impose a waiting period for major services on any of its policies.

You can get a quote quickly on Spirit’s website to see what your premiums would be. Each plan has a single lifetime deductible of just $100 per person, and plans are distinguished by annual maximums, which range from $750 to $5,000. You can choose between in-network and out-of-network coverage, although the latter will result in higher monthly premiums.

Do I Have To Pay For Dental Care If Im On Medicare

Some types of Medicare Advantage Plans include coverage for basic dental care. Basic dental care includes things like teeth cleanings, routine X-rays, extractions, fillings, and possibly more, depending on the plan. What you pay toward your Medicare plan may vary.

Even if you have a Medicare Advantage Plan that covers basic or routine dental care, it typically will not cover you for major dental bills, such as root canals, implants, gum grafts, etc. This is even more reason to try and maintain your oral health as you age.

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Dental Insurance With No Waiting Period In Utah

Great dental insurance can be hard to come by. Many insurance companies offer dental insurance that only covers some procedures or very basic ones. Others will make you wait before you can even use the insurance. What is the point of that? We think that the moment you purchase dental insurance, you should be able to use it. Not only that, we think you should be able to get good coverage too. That is exactly what you find when you use VP Dental Insurance for your provider.

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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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:

How Does Dental Insurance Work

A dental insurance policy covers expenses for checkups, routine cleanings and other dental restorative work such as fillings, implants and crowns. Many providers such as Humana, Cigna and UnitedHealthOne also offer dental, hearing and vision bundles.

Providers are regulated at the state level, meaning plan availability, benefits and rates may vary per state.

Dental coverage benefits

Dental insurance carriers divide benefits into three categories: preventive care, basic or routine care and major procedures.

• Preventive care includes checkups , sealants and X-rays. Most providers offer 100% coverage with no waiting periods and deductibles for these procedures.

• Basic or routine care refers to fillings, non-routine X-rays, denture repairs and simple extractions. Coverage is generally capped at 80% and beneficiaries must meet the policys deductible rate.

• Major procedures include root canals, gum disease, surgical extractions, dentures and implants. Coverage rarely exceeds 50% after meeting the policys deductible.

Even if its technically major work, orthopedic treatment is considered a separate category for insurers. Its easier to find coverage for child orthodontia than for adults, but coverage is capped at 50% regardless of the patient’s age.

Companies also enforce a lifetime benefit limit, meaning they will only pay for braces or aligners once for the duration of the policy.

Dental coverage exclusions

Waiting periods

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No Wait Dental Insurance Plans

Its not fun to wait for anything, especially for dental care. At EasyDentalQuotes, weve got some of the best dental insurance plans with no waiting periods for individuals, families, and seniors.

Delta Dental and Renaissance Dental are some of the most respected dental companies in the country and have been serving their members for over half a century. Get access to major dental services such as crowns, bridges, dentures, and root canals without waiting. The Renaissance Dental Max Choice and Max Choice Plus plans have strong benefits with no wait for major services including dental implants. The Delta Dental No Wait Plan offers no waiting periods with a $2000 benefit max. If youre wanting to see a dentist in the Delta Premier network, the Delta Dental Immediate Coverage plan has a large $3000 annual maximum with no waiting. Plus all of these plans are PPO dental plans so you can see any dentist that you like.

Get coverage for the dental treatments you need now, and put your oral issues behind you. At EasyDentalQuotes, weve got the dental options youre looking for.

What Alternatives Are Available To Traditional Dental Insurance

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.

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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.

No Waiting Period Individual & Family Dental Insurance Plans

If you are a looking to buy dental insurance for yourself without having to deal with pesky waiting periods, Dental Insurance Shop offers dental plans with no-waiting periods from top insurance providers such as Delta Dental, Cigna Dental, Humana Dental, Denali Dental, Spirit Dental, and Magnum Dental to find you a plan that fits your needs and your budget. Some of the plans we offer have no waiting periods for any services while some others will waive the waiting periods if you have prior dental insurance. If you are looking for the best dental insurance for your dollar, there are many options and plans available. You could get a preventative plan for under a dollar a day or you can buy a plan that covers major services without having waiting periods. There is a plan to fit your budget, whatever it might be. Dental procedures can be a big hit to your wallet but it doesnt have to be when you have dental insurance the plan you buy will cover either all or a percentage of your bill. It truly pays to buy a plan from the Dental Insurance Shop. Click here to get an instant online quote and compare plans to find a plan without waiting periods that is perfect for you.

When comparing dental insurance plans you also want to make sure you check the dental network to see if your dentist is covered.

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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.