Ppo Dental Plans With No Waiting Period

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.

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.

Cigna Dental: Most Affordable

Cigna is a health and life insurance company that offers three different dental insurance plans. Their network covers 93,000 dentists with over 297,000 locations across the nation. All of their plans include preventive care for free, including cleanings, oral exams, and routine x-rays.

Cigna’s two upper-tier plans, Cigna Dental 1500 and Cigna Dental 1000, waive waiting periods for restorative care if you have had a qualified dental insurance plan in place for at least 12 consecutive months before signing up for a plan with Cigna.

There is also no waiting period for any preventive care. They also offer a preventive care plan with premiums starting at just $19/month. This plan also has no waiting periods for routine checkups and cleanings however, major services and restorative care are not covered.

Have a look at the highlights of our choice for Cigna, the Cigna Dental 1500 plan:

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:

• Bridges every 7 years

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What Are Some Dental Dos And Don’ts

• Dontskip routine dental check-ups. Visit your dentist regularly for cleanings and oral exams.
• Dontsmoke. Smoking or chewing tobacco increases your risk of gum disease.
• Dobrush your teeth at least twice a day.
• Doclean between teeth daily with floss or an interdental cleaner.
• Doreplace your toothbrush every three or four months, or sooner if the bristles become frayed. A worn toothbrush won’t do a good job of cleaning your teeth.
• Dowatch your diet. Eat a balanced diet and limit between-meal snacks.

No Waiting Period Dental Insurance Advice & Insights

Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice. This is not dental care advice and should not be substituted for regular consultation with your dentist. If you have any concerns about your dental health, please contact your dentist’s office.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

1. https://www.nadp.org/Dental\_Benefits\_Basics/Dental\_BB\_1.aspx, 2017

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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 To Get Dental Implants Covered By Insurance

Dental implants are eligible for coverage if tooth loss results from injury, trauma, or a medical condition. Congenitally missing teeth are not covered. Additionally, coverage only applies to the root replacement . The actual missing tooth may be excluded.

Dental discount plans could help save on implants by reimbursing a portion of the payment. You can combine discount plans with your insurance coverage as long as your doctor accepts them.

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Best Affordable Coverage: Delta Dental

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.

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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How To Find The Best Dental Insurance With No Waiting Period

Many insurance companies offer at least one dental plan with no waiting period. But you still must choose carefully, as some plans focus on preventive and basic care and dont include any coverage at all for major services. Technically, that means you dont have to wait to get major work if you need it, but the flip side is that since that care isnt covered, youre solely responsible for paying for it.

Humana dental insurance with no waiting period

As one of the largest insurers in the United States, Humanas dental plans dont disappoint, especially if youre wanting dental care ASAP. Humana currently offers seven dental plans: one HMO, five PPOs and one discount plan . Out of those plans, four have no waiting period:

Best For Veterans: Metlife

• Coverage Limit: $1,000 to $3,500
• States Available: 50

If youre receiving VA health benefits, MetLifes VADIP dental insurance plans offer no waiting periods alongside other perks for veterans and is the best we found here for veterans.

• Affordable coverage for veterans and their dependents

• 500,000 provider network access locations

• Annual maximums as high as $3,500

• Must be enrolled in the VA health care program for the veterans dental plan

• Only two policy options available

• 24-month waiting period for orthodontics

Insurance provider MetLife enforces waiting periods for most of its policies, but these are waived for retired service members through the Veterans Affairs Dental Insurance Program . Open to any veteran enrolled in the VA health care program, these dental policies are available at two coverage levels: Basic and High. For the standard plan, a single veteran will be charged between $28.89 and $33.80 a month. For the high plan, a single veteran will be charged between $61.14 and $71.53 a month.

MetLife is a global insurance provider offering insurance in many lines and has been doing business since 1868. The company holds an A+ rating from AM Best, indicating solid financial strength. MetLifes dental network for veterans includes over 500,000 participating locations, one of the largest in the country.

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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.

Are Dentists Really That Important Your Health Depends On It

You might think you can just brush and floss at home and not go to the dentist. But bacteria are microscopic, and they get into places your brush cant reach. Not only that, but the bacteria, also called plaque, forms a sticky substance your brush cant wash away.

A dental professional is needed to find those hard-to-reach areas and clean them out. They also have tools to wash away the sticky plaque.

Overall health is connected to oral health. The most common case is when bad bacteria get into the bloodstream and cause damage to the heart.

Preventing tooth issues is essential to your health and a dental professional is needed for complete oral care.

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Which Services Have Waiting Periods

Dental insurance is focused on promoting oral health, so even policies with waiting periods usually cover preventive dental care right away. These covered expenses include things like routine cleanings, checkups, routine x-rays, and sometimes fluoride treatments. Dental plans often cover such preventive services in full, with no out-of-pocket cost to you. That’s valuable because these services can help avert more serious and expensive tooth problems in the future. However, services beyond cleanings often require at least a 6-month waiting period. Some policies may make you wait a year for major work. The kinds of treatments and procedures not covered during the waiting period typically include:

• Basic procedures and care: This may include fillings, non-surgical extractions, and other simple services
• Major procedures and treatment: Things like bridges, crowns, dentures, oral surgery
• Orthodontic treatment: Braces and other types of teeth aligners

It’s important to note that these service categories aren’t set in stone. For example, one insurance company might categorize a dental care procedure as basic another insurance company might categorize it as major. While these categories can give you a broad idea of what’s covered in full-coverage dental plans, you should also look at the Plan Summary to get more specific details about which basic and major services are covered.

How Do Dental Savings Plans Help Make Dental Implants Affordable

Dental implants are still not considered medically necessary , so they are classified as a cosmetic treatment. Most insurance plans do not cover cosmetic dental procedures. So, your insurance may cover a portion of the cost of a replacement tooth, but not cost of the implant or the procedure.

And even if you are insured, yearly spending limits , restrictions on coverage for pre-existing conditions, and waiting periods for restorative care may result in you paying out-of-pocket for much of the implant treatment.

Ready for some good news? Dental savings plans, the affordable alternative to dental insurance, make dental implants far more affordable for everyone.

Dental savings plans dont have an annual spending limit, so you save on the total cost of dental implants rather than a tightly restricted small percentage. Dental Insurance typically covers the first $1,000-$1,500 of your dental costs per year. The rest is up to you. A dental savings plan can be used as often as you want, whenever you need dental care. Compare this to insurance and that annoying annual spending limit and its easy to see why dental savings plans are the right choice when you or a loved one needs a dental implant or any type of dental care. Why wait to save 10% to 60% at the dentist? Join a dental savings plan now! Call 1-888-599-3798 to speak to our :DP AtYourService® Team.

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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.

Best Preventive Care: Denali Dental

Denali Dental

• Coverage Limit: $750 to $6,000
• States Available: 34

Denali Dental is best for preventive care of all the insurers in our review because the company covers more preventive care services than any other provider, which means you can get your teeth cleaned up to four times per calendar year from one policy.

• Four cleanings and two exams included annually

• Low lifetime deductible

• Up to $6,000 annual maximum

• Orthodontics not covered on lower-cost Ridge plans

If you like to stay on top of preventive care for your teeth, Denali Dental offers no-wait plans that include four cleanings per year, more than any other provider. The two plansnamed Ridge and Summitare priced by geographic area and can be more or less expensive depending on where you live. You can get a quote on Denali Dental’s website.

While monthly premiums may be high, Denali Dentals loyalty incentives might make the cost worth it for anyone who intends to stay with the same provider for several years.

The Ridge and Summit plans cover 100% of preventive services, so your four annual cleanings will be completely free of charge.

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