Do you want to know the best dental insurance plans with no waiting period? Keep reading this article for more details.
Dental plans with no waiting periods allow patients to get coverage for preventive, basic, and maker services and sometimes even orthodontics without a single day.
These plans are ideal for patients who are putting off dental care due to the cost or who need to understand the major dental procedure.
Also, the bed dental plans with no waiting period have low monthly premiums, high annual coverage limits, and a comprehensive network of dentists to choose from.
Moreover, they have reasonable premiums and great benefits that you can start taking advantage of from the moment coverage starts.
To find the best dental insurance plans with no waiting periods, they scoured the market looking at insurers and details like monthly premiums, copays and or coinsurance, deductibles, limits on procedures, and the size of their network.
READ MORE: Best Dental Insurance Plans With No Waiting Period
What Is a Dental Plan Waiting Period?
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A dental plan waiting period is the specific amount of time you must wait before you can receive coverage for some or all of the care your new plan covers.
Moreover, waiting period durations can be 30 days to over a year and each will vary according to your plan.
Also, the waiting period will often be shorter for basic services like following and nonsurgical extractions and longer for major services like root canals, crowns or bridges.
Most plans have no waiting period for preventive care. The type of care includes services like routine cleanings, exams, X-rays and fluoride treatments.
Why Do Dental Plans Have Waiting Periods
Waiting periods can prevent people from signing up for the plan to get coverage for the procedure and then dropping coverage. Moreover, insurance companies claim that the waiting period will assist in keeping premiums lower for everyone.
Best Dental Insurance with No Waiting Period
1. Humana
Humana gives a range of plan options and discounts within the large network. The provider’s customer satisfaction ratings are excellent.
Moreover, it offers three dental plans without a waiting period. While orthodontic care coverage is limited there is no coverage for implants, decent maximums, and no deductibles.
All other care makes it one of the better choices for the majority of people who need no waiting period dental insurance. It includes the Preventive Vallie plan which has a $50 deductible and no annual maximum.
2. Spirit
Spirit Dental & Vision has many plans with no waiting period to select from, which gives policyholders extensive options for customization to their needs.
Moreover, the company has eight plans you can select from with no waiting periods for major services so that you can find care based on your priorities whether that’s affordability or coverage.
All plans have $ 100 plan lifetime deductibles and relatively high coverage maximums. One unusual benefit of Spirit Dental is the ability to add vision insurance to your plan for $7 monthly.
However, Spirit Dental doesn’t operate in Washington State. Additionally, while Spirit Dental plans have the highest annual maximums in the premiums you would with some comparable providers.
3. Delta Dental
Delta Dental gives full preventative services on your plans while offering a reasonably high annual maximum and an online dental care cost calculator.
For the Delta Dental Preventive plan, there is no waiting period. Their services include X-rays, cleanings and sealants and are covered by Delta Dental at 100%
Moreover, this means you will pay nothing for these services. However, you’ll pay fully out of pocket for restorative and major services like fillings, crowns and bridges under the policy.
Maybe you’re looking for an affordable plan that saves you money on basic dental services, this may be a good option for you.
When you choose the higher tier plan, you’ll receive better coverage for basic and major services. However, you’ll have a one-year waiting period for in-network procedures.
READ MORE: The best dental insurance with no waiting period
4. Cigna
Cigna offers access to a large nationwide network of dentists that give discounts for some services, plus 24/7 customer service.
Also, it gives access to a nationwide network of 93,000 dentists. Plans are affordable and while you’ll have to pay fully out-of-pocket for some services that depends on your plan.
For instance, basic restorative services under the Dental Preventive Plan or orthodontic services under the Dental 1000 plan. You can have access to discounts from in-network dentists.
5. UnitedHealthcare
UnitedHealthcare has many various plan options for diverse families and situations, no waiting period for preventative care and relatively high annual maximums.
However, it’s ideal for those managing care for multiple people, as many family plans to choose from. Additionally, each individual has their own relatively high annual coverage amount, for instance, $1000 per person on the most affordable plan.
Also, before you begin the UnitedHealthcare plan, you should be aware of waiting periods for specific care.
For example, while you will have 100% preventative care under all plans from day one, you’ll have to wait 12 months before the orthodontic care is covered. Even basic may have a waiting period under specific plans.
READ MORE: Best Dental Insurance Plans With No Waiting Period
Conclusion
However, there are various options when it comes to dental insurance with no waiting period. Maybe you need emergency dental insurance in short or you want to be able to take advantage of your insurance coverage right away, these plans all make it easy to access benefits from the moment you sign up.
