full coverage dental insurance with no waiting period
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Dental Insurance No Waiting Period
Looking for full Dental Insurance coverage with no waiting period? Get preventative care such as cleanings and X-rays today at Guardian Direct. We make the process simple and easy to understand. Get a free online Dental Insurance quote today and get the coverage you need.
Dental insurance can help you be prepared for any dental emergencies that arise – but those emergencies aren’t going to wait six to 12 months for your benefits to kick in and your waiting period to end. If you have a dental emergency, you may want a plan with no waiting periods.
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What is a dental insurance waiting period?
The following factors might determine the length of your waiting period:
The type of dental insurance you purchase – many Dental Health Maintenance Organization (DHMO) plans don’t involve any waiting periods, while Dental Preferred Provider Organization (DPPO) plans usually do.
Your insurance provider – policies can vary a great deal from provider to provider.
Type of dental service – Some dental insurance companies will not pay for any work done during the waiting period, but most dental insurance companies will still cover preventive services.
Why do some dental insurance plans have a waiting period?
Insurance is meant to be purchased before you need it – not as a quick fix right after something major happens. Many insurance companies have waiting periods to make sure people don’t sign up for dental insurance just to get a quick discount on major services, only to cancel the policy once the problem has been taken care of.
Can I visit the dentist during my waiting period?
You can visit the dentist at any time, but if you do so during your waiting period, it might cost you. Many preventive dental procedures are covered from day one of coverage, even if your policy has a waiting period. But if you have a dental procedure done that isn’t covered by your insurance during your waiting period, you’ll be responsible for the full cost.
Full coverage dental plans
Good news – not all dental insurance plans have waiting periods. Even the longest and strictest of waiting periods usually vary depending on the type of service. Most insurance providers split dental procedures into three categories: preventive procedures, basic procedures, and major procedures. Preventive services are usually not subject to waiting periods, but basic and major dental care often are subject to waiting periods. These are the most common types of dental insurance with no waiting periods:
Employer-provided dental insurance with no waiting period
About two-thirds of Americans have private dental coverage, and about 90% of them get their benefits through an employer or other group program¹. Employer-provided dental insurance often doesn't have any waiting periods, though some do institute a waiting period ranging from a few days to a full year. If your employer’s group plan doesn’t have a waiting period, you can start enjoying coverage right away. Contact your employer’s HR department or benefits representative to find out if that might be an option for you.
Dental insurance for veterans with no waiting period
DHMO plans – full coverage dental insurance with no waiting period
If you’re looking for dental insurance with no waiting period for root canals, braces, or other major services, a DHMO plan could work for you.
DHMO plans offer full coverage dental insurance with no waiting period. A DHMO dental plan is an arrangement where dentists agree to give their patients a reduced cost for services as an in-network provider.
Patients on a DHMO plan typically enjoy lower costs and plenty of coverage. Plus, DHMO plans usually offer dental insurance with no waiting period and no maximum. Some other dental insurance plans have a maximum dollar payout for each benefit year, but that isn’t usually the case with DHMO plans. Many DHMO plans don’t have a deductible either, but there may be a charge per dental office visit and a copay.
What is preventive care?
Preventive dental care is any type of dental care that cleans your teeth and helps you avoid any more serious dental problems later. This usually includes:
Dental cleanings
Checkups
Exams
X-rays
Most of the time, you’ll start receiving benefits for these sorts of services immediately when your policy becomes effective. This is great because most dental insurance also covers preventative services at 80% to 100%.
If it’s been over a year since you’ve been to the dentist and you don’t have dental insurance already, purchasing some can pay off just with regular preventive dental visits alone.
Basic and major dental care
The two other main types of dental services are basic services and major services. Basic services might include procedures like fillings and non-surgical extractions. Major services often include larger (and more expensive) procedures like root canals or surgery.
Though policies vary greatly from provider to provider, many dental insurance plans require a waiting period of anywhere from six to 12 months before they’ll pay out any benefits for basic services. A typical waiting period for major services could be anywhere from 12 to 24 months.
Waiting out a waiting period
Sometimes there’s no getting around waiting periods, especially if you’ve decided a DPPO plan would be a better fit for your needs or if you’ve already committed to a certain provider.
Here’s how to take good care of your teeth during your waiting period so you maybe avoid needing any basic or major procedures before your insurance kicks in:
Brush your teeth twice each day with fluoride toothpaste
Clean between your teeth daily, using floss or another interdental cleaner
Eat a healthy diet that limits sugary beverages and snacks
Visit your dentist twice a year for prevention and treatment of oral disease
Of course, these suggestions are important whether you currently have full dental insurance coverage or not. It’s always better (and more cost-effective) to prevent oral health issues than to treat them.
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How to buy dental insurance with no waiting period
If you’re looking for dental insurance with no waiting period, start searching for a DHMO plan. Look over any policy you’re 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 doesn’t 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.
No waiting period dental insurance advice & insights
Why visit an in-network dentist?
6 ways to get the most out of your dental insurance policy
The pros and cons of DPPO and DHMO dental plans
What is a dental insurance deductible?
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.
Sources
1. https://www.nadp.org/Dental\_Benefits\_Basics/Dental\_BB\_1.aspx, 2017
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Important Product Disclosure
Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. 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.(exp.08/22)
Source : www.guardiandirect.com
» The best dental insurance with no waiting period
So you’ve decided to sign up for a dental insurance plan to supplement your health plan. You’ve likely already noticed that you have a lot of options, and even if you feel more than ready to sign up for a plan and catch up on your dental care, take a breath and do your research first. This is because many dental insurance plans have a waiting period.
If you need dental work right away, it pays to choose a dental plan with no waiting period.
What is a dental plan waiting period?
A dental plan waiting period is a certain amount of time you must wait before you can receive coverage for some or all of the care your new plan covers. Waiting period durations can be anywhere from 30 days to over a year, and each will vary according to your individual plan.
Why dental plans have waiting periods
Waiting periods prevent people from signing up for a plan, getting coverage for a necessary procedure and then dropping coverage. Insurance companies also claim that the waiting period provisions help keep premiums lower for everyone.
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 (like the Preventative Value and Bright Plus plans listed below) and don’t include any coverage at all for major services. Technically, that means you don’t have to wait to get major work if you need it, but the flip side is that since that care isn’t covered, you’re solely responsible for paying for it.
Humana dental insurance with no waiting period
Plan name
Plan type
Deductible
Annual maximum benefit
Routine cleanings and X-rays
Dental Value
100% covered (in network)
Preventative Value
$50 (lifetime)
100% covered (in network)
Loyalty Plus
$150 (one time)
$1,000-$1,500
Cleanings: 100% covered
X-rays: 40%–70% covered
Dental Savings Plus
Discount
20%–40% discount
Humana’s three other dental insurance plans have no waiting period for preventive services, including routine cleanings, exams and X-rays. However, the waiting periods vary for other services:
Plan name
Plan type
Waiting period
Deductible
Annual maximum benefit
Routine cleanings and X-rays
Complete Dental
Preventive: None
Basic: 6 months
Major: 12 months
$0-$50
$1,250-$1,500
100% covered
Bright Plus
Preventive: None
Basic: 90 days
Major: Not covered
$1,250
100% covered
Bright Plus for Veterans
Preventive: None
Basic: 90 days
Major: Not covered
$1,250
100% covered
Spirit dental insurance with no waiting period
Plan name
Premium
Deductible
Annual maximum
Preventive
Basic care
Major care
Network 1200
$35.85
$1,200
Year 1: 50%
Year 2: 65%
Year 3: 80%
Year 1: 25%
Year 2: 50%
Year 3: 50%
Choice 1200
$54.29
$1,200
Year 1: 50%
Year 2: 65%
Year 3: 80%
Year 1: 25%
Year 2: 50%
Year 3: 50%
Network 3500
$51.07
$3,500
Year 1: 65%
Year 2: 80%
Year 3: 90%
Year 1: 10%
Year 2: 50%
Year 3: 65%
Choice 3500
$81.70
$3,500
Year 1: 65%
Year 2: 80%
Year 3: 90%
Year 1: 10%
Year 2: 25%
Year 3: 50%
Other dental insurance with no waiting period
While Humana and Spirit Dental probably have the most plans with no waiting period, you should still do your own research and compare companies. Here are a few other insurance companies that offer dental plans with no waiting period for preventive, basic or major dental work:
Insurance company
Plan name
Deductible
Annual maximum benefit
Preventive
Basic care
Major care
UnitedHealthcare
Premier Plus Dental
$2,000
Day 1: 35%
Year 1: 65%
Year 2: 80%
Day 1: 10%
Year 1: 40%
Year 2: 50%
UnitedHealthcare
Premier Choice Dental
$1,500
Day 1: 50%
Year 1: 65%
Year 2: 80%
Day 1: 10%
Year 1: 40%
Year 2: 50%
Blue Cross Blue Shield
Dental Blue PPO Preventive Plan
$0–$250
$5,000
Plan covers at least 30%
Plan covers at least 30%
Why an insurance company might waive your waiting period
You already know that preventive dental care is the best and most cost-effective way to keep your teeth healthy, but it’s also a fact that nearly everyone will need either basic or major dental work at some point. If you’re looking for a dental plan and already know you need work done, it makes the most financial sense to opt for a plan with no waiting period.
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