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 designed 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 premium. 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.
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This is the length of time that you might have to wait before getting benefits for specific dental procedures that are subject to the waiting period. The wait time usually starts when you purchased your insurance and paid for the initial premium.
During the months that you are waiting, your dental insurance company will not pay claims for any services and procedures that have waiting periods. These types of procedures are usually big ticket items such as crowns and root canals.
The insurance company may lose money when they offer instant coverage for major services. 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 non-profits and have more flexibility to pay expensive claims. Preventive services such as x-rays, cleanings, and exams are almost 100% covered and important for oral hygiene.
With a company plan there are generally no waiting periods on preventative and basic care. Examples of these plans are the ones that are covered through an employer. But it is often more wise to carry your own independent dental insurance because it is portable and you are not at risk of losing it if you change jobs. Every time you change dental insurance companies you will reset any applicable waiting periods.
When you work for a large corporation, insurance companies tend to provide limited or less dental benefits. They know that even after one employee quits, the company will still maintain the coverage of the other employees, making their incentive less loyal to the individual members.
This is similar to the discount cards that you have inside your wallet. You simply have to pay a monthly fee for the membership and you can go to your dentist and get discounts. You must go to a network or organization that is part of the discount dental company in order to get the discounts. The network pre-negotiates the discounted prices for your procedures. After you get your card, all you have to do is to go to the nearest discount dental provider and pay at a discounted rate.
Dental Discount plans are not insurance. They do not pay cash benefits. As a result, out-of-pocket costs are typically much higher at the dental office.
Most PPO plans do not have waiting periods for basic care. 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 right away.
It is important to note, however, that most companies that offer PPOs do have waiting periods for major dental procedures. It is important to check and be clear about your coverage.
Usually, major dental procedures will have waiting periods of six-twelve months. Major procedures include crowns, root canals, oral surgery, complex extractions, and more. 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.
As mentioned previously, most dental insurance plans have no waiting period for preventative and basic services or procedures. But if your question is, "What dental insurance has no waiting period for major services or procedures?" then your options are substantially reduced. There are only a handful of REAL dental insurance plans that have no waiting periods for major services and procedures. Luckily, we know what the best one is. Before we get into that, let's first understand the three levels of dental insurance plans.
It's very important to know that not all dental insurance plans include all three of the above levels. The only dental insurance plans that do offer all three levels is called "Full Coverage Dental Insurance." Please fill out the form below or call us and we will be happy to provide you with the best full coverage dental insurance with no waiting period in your area.
Dental discount plans are essentially a network of dentists that agree to offer reduced prices on dental procedures in order to get more customers referred to them by the plan provider. These discounts can be a savings of up to 60%. But dental discount plan companies mislead consumers by using insurance terminology that is irrelevant to their products. For example, they'll claim no waiting periods and no limits. Well of course this is the case because these factors apply to insurance and a dental discount plan is not dental insurance. There is nothing to wait for with a dental discount plan because the company is not paying any of the claims or dental bills. The consumer is paying 100% of the final bill.
Dental insurance is better because it uses a similar network to provide reduced prices on dental procedures through their network of dentists. But in addition to the network the insurance company actually pays cash benefits towards your real dental bills. To summarize, dental insurance includes the same benefits as a dental discount plan, but in addition it will also pay real insurance money to pay for a large portion of your actual dental bill.
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