Dental Insurance with No Waiting Period on All Services.
That's right. We have dental insurance plans that have no waiting periods on all services including major work. In addition, these full coverage dental insurance no waiting period plans have HIGH annual maximums that increase year-over-year and have a big PPO network. Most dental insurance and plan companies have waiting periods that range from six months to twelve months, putting their members in a bad spot during emergencies. Our plans are design to help those that are in need of major dental work soon and need help with the outrageous out-of-pocket dental bills.
Though full coverage dental insurance no waiting period plans are the most comprehensive they also come at a higher monthly price. If you don't need major work and believe it is unlikely that you will within twelve months, then we also have more affordable plans that are still full coverage. Just note that a lower premium plan will result in a twelve month waiting period for major work. You can still receive routine dental checkups, cleanings, and basic dental work but if anything big comes up like a crown or root canal then you could get in a bad spot if it happens before twelve months from enrollment.
This is the length of time that you might have to wait before getting benefits and coverage. The wait time usually starts when you purchased your insurance and paid for the initial downpayment.
During the months that you are waiting, your dental insurance company will not pay for any services and procedures that you got from your dentist.
The company loses money when they offer instant benefits. This is because some patients tend to cancel their insurance as soon as they get the treatment. Therefore, companies have waiting periods to discourage this behavior. However, there is always an exception to this rule.
It is important to note that instant coverage may come with a lot of terms and conditions. It is important to be clear about that from the start. Some of the companies that offer full coverage dental insurance with no waiting period are eligible company-based plans. Preventive services such as x-rays, cleanings, and exams are almost 100% covered and important for oral hygiene.
In a group plan, there are generally no waiting periods. Examples of these plans are the one that is covered by your employer or company. This will save you the time to shop on your own and make sure that you are signed up for the right plan.
When you work for a large corporation, insurance companies tend to be flexible. They know that even after one employee quits, the company will still be able to pay for the other services of its other members.
This is similar to the discount cards that you have inside your wallet. You simply have to pay a premium for the membership fee, and you can go to your dentist and get discounts. You should go to a network or organization that is part of the discount dental company in order to get the full benefits. The network already pre-negotiated the plans. After you get your card, all you have to do is to go to the nearest discount dental provider, have check-ups and prophylaxis, and pay at a discounted rate.
Some of the plans PPOs offers do not have waiting periods. You can go to a dental provider that is part of the network and get cleanings and x-rays as soon as you are a member.
You can also go to a dentist that is not part of the network, however, different rates and discounts can apply. Preventive and non-surgical services are usually covered by PPOs.
It is important to note, however, that some companies which offer PPOs do have waiting periods. It is important to check and be clear about your coverage.
Usually, Major and basic services can have waiting periods of 6-12 months. For oral surgeries and basic fillings, there’s also waiting periods. For some companies, there is no waiting period for major dental care. The catch is that the premiums are usually higher.
If you don’t need to undergo major dental work, there are companies that offer full coverage dental insurance with no waiting for preventive and basic services to save on monthly premiums.
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