Thursday, June 16, 2022

What Dental Insurance Has No Waiting Period

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Best For Root Canals: Humana

Dental Insurance No Waiting Period – Pay Less For Dental Care


  • 5 programs, 1 for veterans
  • $1,000 to $1,500 on annual maximums
  • Available in all 50 states, the District of Columbia, and Puerto Rico

We chose Humana because you are covered on your first effective date. Also, as you subscribe longer, you get more coverage for root canals up to 50%.

  • No waiting periods on most plans

  • Root canals covered on day 1

  • Substantial nationwide network of 270,000 providers

  • Not all plans cover major services like root canals

  • First year coverage on root canals is only 20%

Headquartered in Louisville, KY, Humana was founded in 1961. It’s a large, well-known brand for insurance with a wide range of insurance products and a substantial nationwide presence. It also has top ratings from A.M. Best. Policies are available direct and through employer groups.

We like Humana’s dental plans with no waiting periods for the best for root canals category because their Loyalty Plus PPO has no waiting periods and covers root canals at 20% on day 1. That coverage increases over the next three years until it reaches 50%. Also, waiting periods might be waived on Basic and Major care for the other plans they have available if the new subscriber shows similar dental coverage for the previous 12 months. In addition, you can choose any dentist.

Why Does Dental Insurance Have A Waiting Period

You might be wondering why an insurance provider would force a waiting period on its customers. Well, this is a strategy thats used to ensure you arent buying a plan just because you know youre going to need expensive treatments soon. Insurers also worry that you might buy the plan, use it to cover pricey dental services, and then cancel it when you no longer need it.

Some plans also come with whats known as a pre-existing condition exclusion period. What does this mean? Basically, if you sign up for a plan, but you have a pre-existing oral health condition, youll need to wait before the coverage takes effect. Again, this is to help prevent people from signing up for a plan simply because they know they have a problem that needs to be treated.

Can I Purchase Dental Insurance Only

Insurers offer stand-alone dental coverage. Our tool lets you shop for dental only plans.

More often, dental is include as a part of a comprehensive private health and dental insurance plan. You can get private insurance with dental care through many employers or by purchasing it on your own. These plans also help pay for prescription drugs, vision care, ambulance services, medical devices, specialists and more. We recommend private health insurance regardless of your province. Provincial public health care has significant gaps. Dental care is a significant one.

Private health and dental insurance is a cost-effective way to ensure you can pay for care.

Want to learn more about public and private health insurance in Canada? Our summary article has answers to all your questions.

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Is There A Dental Insurance That Covers Everything

Its sometimes also called a fee-for-service plan, or traditional dental insurance . Indemnity insurance is as close as youre likely to come to getting dental insurance that covers everything. With indemnity dental insurance, you can visit any dentist there are no networks or approved providers.

Who Is Eligible For Public Dental Insurance In Canada

it has a limit or a maximum two DENTAL INSURANCE NO ...

Public dental insurance is available to some groups in Canada. It varies from province to province, but seniors, children, low-income adults and adults with disabilities may be eligible for province-funded dental care programs.

Nationally, three government-funded programs provide dental insurance:

  • Veterans Affairs Canada for Canadian veterans
  • Non-Insured Health Benefits for eligible First Nations people
  • Interim Federal Health Program for resettled refugees

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Best For Basic Coverage: United Healthcare

United Healthcare

  • 10 plans, 8 with no waiting periods
  • Maximums in some plans range from about $1,000 to $3,000
  • Available nationwide

We went with United Healthcare because it has eight dental insurance plans with no waiting periods for preventive care and basic. Also, the high-end plans have generous coverage maximums at a reasonable premium per month.

  • No waiting period for Basic care

  • No waiting period for Preventative care covered at 100%

  • Shorter waiting periods on Major coverage for some plans

  • Some of the plans only cover

  • Basic care at 35% on day 1

    Plan availability varies by state

United Healthcare is a prominent nationwide brand for insurance with a top rating from A.M. Best. It insures 30 million people nationwide and is underwritten by the Golden Rule Insurance Company. The company has a robust network of providers of roughly 182,000. United Healthcare’s dental plans are available in most states through employers and direct, but the plan features may vary based on where you live.

There are no waiting periods on Basic and Preventive care, generous annual maximums on the higher levels, and shorter, six-month waiting periods for Major coverage on many of its plans. In addition, several plans cover preventive at 100%. There are also no age restrictions on coverage. Moreover, the premiums are lower than we expected. For example, the monthly premium for a woman under 50 in California ranges from $24 to $64, depending on the plan.

Do Dental Insurance Plans With No Waiting Period Cover Everything

It depends on the policy. The ones we have identified in our list have at least one policy that often does cover everything with no waiting period. However, even with these policies, you will see in the details that the coverage increases the longer you subscribe, often over three years.

When you are shopping for dental insurance policies with no waiting period, you’ll find that most plans do not have waiting periods on cleanings and exams, but they do for fillings, crowns, or braces. That’s because dental insurance divides care into three service categories: Preventive, Basic, and Major. Heres a rundown on those different categories:

  • Preventive: This category is your routine dental care, usually including cleanings, X-rays, exams, fluoride treatments, and sealants. Dental insurance policies typically have no waiting period for preventive care.
  • Basic: These are dental treatments that dentists handle in-house, like fillings, simple extractions, some periodontal care, like scaling and root planing, etc. Many policies add a waiting period of three to six months, and sometimes longer, on this category of care.
  • Major: These treatments are more complex, like bridges, crowns, dentures, implants, orthodontics, and root canals, among others.

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Best Major Coverage: Spirit Dental

Spirit Dental

  • Coverage Limit: $750 to $5,000
  • States Available: 50

Spirit Dental is our best for major coverage, as it offers eight policies with no waiting period and competitive coinsurance rates for major services. Diverse coverage options allow you to find the right balance between monthly premiums, annual maximums, and out-of-network flexibility.

  • No waiting periods for any covered procedures

  • One-time deductible of $100

  • Annual limits up to $5,000

  • High out-of-pocket costs for orthodontics

  • Expensive monthly premiums

  • Less favorable terms in the first year

No one wants to think about undergoing major dental work like crowns, implants, and procedures that require anesthesia. But when these expensive treatments come up, having an insurance policy that covers them can provide some financial peace of mind.

Spirit Dental is one of the few dental insurance companies that doesnt impose a waiting period for major services on any of its policies.

You can get a quote quickly on Spirit’s website to see what your premiums would be. Each plan has a single lifetime deductible of just $100 per person, and plans are distinguished by annual maximums, which range from $750 to $5,000. You can choose between in-network and out-of-network coverage, although the latter will result in higher monthly premiums.

What Services Does Dental Insurance With No Waiting Periods Cover

Dental insurance no waiting period

Dental Insurance With No Waiting Period:

  • Provides fast coverage for major work such as crowns, bridges, and dentures
  • Reduces your out-of-pocket expenses
  • Helps you receive prompt dental care to prevent further deterioration

Full-coverage dental plans with no waiting periods insure services such as:

  • cleanings

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What Is The Waiting Period For A Dental Insurance Plan

Dental insurance waiting periods are the number of days you need to wait before your plan covers a specific treatment. The length of your waiting period can range from 30 days to over a year, depending on the particular program.

The waiting period will typically be shorter for essential services and more extended for primary services . Most dental insurance programs have no waiting period for preventive care treatments. This type of insurance includes routine cleanings, X-rays, exams, and fluoride treatments.

Examples Of How The Dental Insurance Waiting Period Works

If you decide to buy a dental benefits insurance plan because you just found out that you need a crown, the insurance waiting period could prevent you from being able to cover the procedure immediately when you purchase your dental insurance. Waiting periods can last up to a year on certain major procedures.

  • Example 1: Joan needed a crown. She contacted her dental insurance company to see what coverage she had for the procedure. Her insurance company said that she did not have any coverage for the procedure since she only had her dental insurance for three months and any crown procedures had a six-month dental insurance waiting period. Once the waiting period has elapsed, then dental benefits will be fully accessible.
  • Example 2: Anna wants to visit a dentist for a checkup and cleaning, but her dental plan waiting period is not over yet. She is worried that the dentist will need to take X-rays and charge her a lot for these services. She calls her dental benefits plan administrator and finds out that although she has a one-year waiting period for “major” work like crowns, and bridges, that all the basic coverages are included. She is delighted to find out that her X-rays will be covered, as well as her cleaning, and if they find any cavities, her plan will cover that too. Since every plan is different, she was happy she called as was able to get access to some of her benefits right away.

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Obtain Quick Coverage: Dental Insurance With No Waiting Period

Your search for affordable Health, Medicare and Life insurance starts here.

Call us 24/7 at or Find an Agent near you.

Individuals purchasing dental insurance often assume that benefits will start very soon after enrolling in the plan. However, dental plans often apply a waiting period before certain services are covered. Waiting periods range from 6 to 12 months. Fortunately, it is possible to find dental insurance with no waiting period*.

Services that often require a 6 month waiting are:

  • Space maintainers for young children
  • Intraoral films, extraoral films, and panoramic films
  • Fillings
  • Occlusion adjustment

Services that frequently impose a 12 month waiting period are:

  • Inlays and onlays
  • Crowns, cast posts, and core buildups
  • Adjustment and repair of dentures
  • Root canals
  • Oral surgery

If you are in need of one of the above services before its applicable waiting period has passed, you will be responsible for 100% of the bill.

If You Need Dental Coverage Benefits Right Away Look For Dental Insurance With No Waiting Periods Like Dhmo Plans

Dental insurance georgia no waiting period

Dental insurance can help you be prepared for any dental emergencies that arise but those emergencies arent 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.

Fortunately, there are plenty of affordable dental insurance options out there that dont involve any waiting periods. If you want to purchase dental insurance that starts offering benefits immediately, read on to learn about dental insurance options that dont have any waiting periods.

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Dhmo Plans Full Coverage Dental Insurance With No Waiting Period

If youre 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 isnt usually the case with DHMO plans. Many DHMO plans dont have a deductible either, but there may be a charge per dental office visit and a copay.

Usually Only Applies To Certain Benefits

Typically, the dental plan will not apply the waiting period to all benefits, as it is understood that the plan will pay out on certain basic coverages every year for dental benefits plan members anyway.

Understanding which coverages fall into the waiting period is important. Your dental insurance plan likely categorizes coverages in three groups:

  • Basic: Basic procedures may have a three to six month waiting period, and “Major” procedures may have a six-month to a one-year waiting period.
  • Preventative: Preventative procedures may not have any waiting period. Therefore some benefits may be accessible despite a waiting period, such as X-rays, cleanings, fluoride treatments.
  • Major Work: Major work should be defined in your policy wording and may vary from company to company. Beware of taking on major work without consulting with your plan first.

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Does Dental Insurance Begin Immediately

Basic and major dental care 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.

Whats Covered Vs Not Covered During A Waiting Period

The Dental Plan With No Waiting Periods & Covers Implants!!!

At first, a waiting period might seem kind of scary, and you may be wondering why anyone would sign up for a dental plan that has one. But the good news is that this period often applies only to certain treatments and procedures.

Heres an example: a plan might allow you to receive preventive and diagnostic care without needing to wait at all . On the other hand, you might need to wait six months to get help with paying for basic procedures, such as fillings. And you might need to wait a year for major services like crowns.

We cant stress this enough: read the fine print on a plan before signing up so youll know whats allowed during the waiting period versus whats off-limits.

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Lower Dental Insurance Costs

A dental benefits waiting period can also be used as a way to curb dental insurance costs. The longer the dental insurance waiting period, the lower the dental insurance premium may be. This strategy is particularly useful if you have been regularly maintaining your teeth to avoid those major dental procedures and visits. Entering a dental insurance plan if you have not been covered before can be difficult and seem expensive, but the long-term advantages of getting basic dental insurance coverages can save you thousands of dollars in the long run.

How Much Does It Cover

For root canals, dental insurance with no waiting period can provide benefits in different ways:

  • Plans may pay up to a specific dollar amount for each covered service. The total cost of a root canal typically ranges from $500 to $1,400. Plans such as these leave the member to pay about $175 to $390 of the total root canal cost.
  • Plans may pay a fixed percentage of the service, which increases for each year on the plan. For a major service such as a root canal, this kind of plan often covers 20% of the service during year one, 30% of the service in year two, and 50% of the service in year three.1

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What Are The Expected Costs Of Dental Insurance With No Waiting Period

The quotes we received for dental insurance plans with no waiting periods were anywhere from $7 to around $100 per month depending on the coverage, limits, and deductibles. If you choose a plan with no deductible, keep in mind that you may face higher monthly premiums or have to pay more in coinsurance for the first year or two.

How Do Dental Savings Plans Work

Dental Insurance No Waiting Period for at the Moment ...

When you join a dental savings plan, you gain access to a network of dentists who have agreed toprovide discounted rates to plan members. You pay the discounted rate directly tothe dentist after receiving dental care.

  • Save 10-60% on dental care, with reduced rates from 140,000+ dentists.
  • Use whenever needed: no maximum annual or lifetime spending limits.
  • Discounts on all included dental treatments within 72-hours of joining.
  • Everyone is accepted, there are no background checks.
  • Many plans include savings on prescriptions, vision and hearing care and otherhealthcare services.
  • Have dental health problems, or dental work already in progress? Good news youstill save with a dental plan.

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Need A Root Canal Dental Insurance With No Waiting Period

Your search for affordable Health, Medicare and Life insurance starts here.

Call us 24/7 at or Find an Agent near you.

If you enroll in a dental insurance policy that includes waiting periods, you may be waiting 6 to 12 months to receive coverage for major services. If you are in urgent need of a root canal, you can reduce your out-of-pocket expenses by buying dental insurance with no waiting period.

After enrolling in a dental plan, most individuals expect swift coverage for all their dental needs. However, many dental plans require a waiting before they cover certain services. This frequently applies to complicated, major dental services including root canals, crowns, and oral surgery. If you are in need of a root canal, obtain dental insurance with no waiting period so that you can receive coverage and reduce your out-of-pocket expenses.

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