Wednesday, June 22, 2022

What Does Waiting Period Mean On Dental Insurance

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How To Get Around Dental Insurance Wait Times

What Is a Waiting Period In Dental Insurance?

You need a crown. So, you take your insurance card to the dentists office, have your exam and a few x-rays taken, talk to your dentist about the types of crowns available, and then head over to the treatment coordinator to talk about scheduling. As youre working through your care plan together, the treatment coordinator tells you that your insurance company has a waiting period.

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 and dont include any coverage at all for major services. Technically, that means you dont have to wait to get major work if you need it, but the flip side is that since that care isnt covered, youre solely responsible for paying for it.

Humana dental insurance with no waiting period

As one of the largest insurers in the United States, Humanas dental plans dont disappoint, especially if youre wanting dental care ASAP. Humana currently offers seven dental plans: one HMO, five PPOs and one discount plan . Out of those plans, four have no waiting period:

Plan name

Plan covers at least 30%

Plan covers at least 30%

Health Insurance Clip Art

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Do Not Skip Steps When Verifying Patient Dental Insurance

You should have someone fully trained on your dental team to verify the patient’s insurance. Its a relatively straight-forward task, but this person should know all of the questions to ask, like is there a waiting period on this patients insurance policy? to avoid not being paid.

Insurance is messy and complicated. So staying up-to-date on what kind of information your practice should obtain when verifying insurance is key. To learn more about how to understand insurance limitations and rules, check out our educational resource, Dental Claims Academy.

Here, we help dental professionals like yourself navigate the complexities of insurance, CDT codes, and other administrative nuances that you may not have learned in dental school.

What Is A Waiting Period For Dental Insurance

Does Aetna Dental Insurance have a Waiting Period?

When you purchase something new, you probably want to use it right away. Dental insurance doesnt always work that way. Some plans come with a waiting period. What does that mean, and does Beam have a waiting period? Allow us to explain.

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How Long Do Waiting Periods Last

Other dental insurance plans might stagger their coverage levels. For instance, you might receive 70% coverage for a particular service during the first year, 80% during year two, 90% during year three, and 100% coverage for the same service beginning in the fourth year. This is a way to encourage prevention through regular visits.

Why Does My Dental Insurance Have A Waiting Period

Dental insurance waiting periods help insurance companies keep costs low. Establishing a waiting period helps prevent consumers from purchasing plans only when they need extensive work they cant afford on their own, then dropping their coverage. Waiting periods for major work help encourage regular exams and help keep membership high enough for premiums to provide coverage for those insured.

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How Dental Insurance Waiting Periods Work

Depending on the insurance plan, dental policies may require that you have your policy for up to a year for major dental work before its covered. If you receive major dental work before the completion of the waiting period, you will be responsible for the entire bill.

One important point to note: if you had dental coverage prior to enrolling in a new plan, the waiting period might be waived. Check with your insurance company prior to any procedures so that you are aware of their waiting period policy.

How Do Dental Insurance Waiting Periods Affect My Practice’s Revenue

Dental Insurance No Waiting Period – Pay Less For Dental Care

So, why should you ask about insurance waiting periods when verifying patient insurance? How does this affect your practice? The answer is pretty simple.

If either party, the patient or the dentist is unaware of the waiting period, and the procedure is not reimbursed by insurance, the patient is going to have to pay out of pocket. If this is a surprise they did not budget for, we can pretty much guarantee the patient will be unhappy.

Although it’s the patient’s responsibility to know their benefits, typically the office does the leg work as a courtesy to try and give patients close estimates to what their treatment will cost. The more a patient knows what they’ll owe, the more likely they’ll be to schedule. Hence why they get upset when they get a bill they were not expecting due to a waiting period

For example, say whoever verifies insurance doesn’t know about the waiting period, and they tell a patient you need a crown and crowns are covered at 50%. Everyone anticipates 50% of the crown to be covered by insurance but because of the waiting period, nothing is paid by insurance. Nope! The patient is then sent a bill that is twice the amount they were expecting. Youd be angry too if you were in their shoes!

Have you ever had a patient who got a bill that was bigger than they were expecting? Well, insurance is definitely not going to negotiate a different price with you we will know this. And if the patient simply cannot pay it, they wont.

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What Is The Meaning Of Waiting Period In Insurance

The concept of waiting period in a health insurance policy is defined as the period of time specified which must pass before some or all of your health care coverage can begin. Hence, this is the period during which claim is not admitted. The length of this type of waiting period can vary from 12 to 48 months.

Understanding Your Orthodontic Benefits

At various times of the year many employers offer their annual open season where employees have the option of changing, adding, or even dropping medical and dental coverage. Understanding orthodontic benefits can often times be a little bit trickier to figure out than regular dental and medical benefits. Here are a few tips to help you understand your coverage and a few questions you may want to ask when considering changing or adding dental plans as it relates to Orthodontic Coverage.

1. Just because you have Dental Insurance does not mean you have orthodontic coverage. Be sure to ask if your plan covers both. Also be sure to ask if the coverage is for adults and children or just for children. Sometimes there are higher premiums for both dental and orthodontic Coverage but often times there are not. Each company is different. You want to make sure you are not paying more for the insurance than what you are getting in benefits.

4. Does your plan have a waiting period for orthodontic coverage? Some dental plans require a waiting period before they will pay for braces. They might cover cleanings and general dentistry immediately, but sometimes will have you wait as long as 2 years before orthodontic coverage is active. Be sure to ask you dental plan if there is a waiting period for braces.

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Does Dental Insurance Cover Braces

In Canada, comprehensive dental insurance plans may cover up to 50% of the cost of braces and other orthodontics. Braces can be expensive at $3,000 to $10,000. Insurance can go a long way towards paying for them. Additionally, many orthodontists offer financing plans to help spread out the cost. Braces can qualify for a Medical Expense Tax Credit when submitting under a Health Spending Account.

How Do I Cancel My Policy

What does Coordination of Benefits mean in Dental ...

Were sorry to see you go but if you wish to cancel, please make a request in writing by email, fax or mail. Please include your name, your pets name, and your policy number. If youve pre-paid your premiums we will refund them. Your coverage will end on the last day of the current monthly invoice period.

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Can I Insure My Older Pet

You sure can. There are no age limits to the pets we insure. Its important to note that for dogs over 8 and cats over 10, we require some additional medical information to start your policy.

Within the 2 months prior to your application for coverage, you must provide the following:

  • Results of a comprehensive exam

  • Complete urinalysis

Blood tests

Can I Get Dental Insurance With No Waiting Period In Canada

Most insurance plans include a waiting period. The waiting period exists to prevent people from picking up insurance only when they have a health need.

Preventive care like cleaning and x-rays are usually available quickly without a long waiting period. Expensive procedures, including orthodontics and oral surgery, have a waiting period. Sometimes it can stretch to two or even three years.

For this reason, getting a plan now, when you do not yet need it, makes sense. It helps ensure that you are eligible once you have a claim.

Do not wait until you have a problem to start looking for dental insurance. Waiting periods can be long! Shop now so that you are covered when you have a need.

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What Is A Dental Insurance Waiting Period

People are often surprised to learn they cant necessarily take advantage of all their dental insurance benefits from day one of coverage.Many dental insurance plans have waiting periods, lasting between a few months and a full calendar year from the time you first sign up for coverage. Your dental insurance carrier wont pay for certain procedures during this waiting period. While this might sound unfair, dental insurance waiting periods help keep insurance costs low in the long run. Think of it like insurance for your insurance company. Dental insurance waiting periods encourage customers to seek regular treatment rather than purchasing last-minute insurance coverage for a major procedure and then dropping the plan when the procedure is complete. If a good majority of people carry dental insurance even when their teeth are healthy, this keeps the cost of premiums and coverage low for everyone.

How Long Do I Have To File A Claim

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

You have 6 months to submit a claim after the date of treatment. Even if it doesnt result in a reimbursement, its a good idea to submit the claim as it will help satisfy your deductible and make a difference if you have other claims later in the year.For the answers to more questions about claims, take a look at our claims FAQs.

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Is It Possible To Reduce Or Remove The Waiting Period

Yes, it is possible to only reduce your waiting period if your respective insurer gives you the option to do so. For example, some health insurance companies give their customers the option to opt between 2, 3 or 4 years waiting period and instead charge them a higher premium accordingly. With Digit, currently there is no way to reduce your waiting period by paying a higher premium.

Yes, it is possible to only reduce your waiting period if your respective insurer gives you the option to do so. For example, some health insurance companies give their customers the option to opt between 2, 3 or 4 years waiting period and instead charge them a higher premium accordingly.

With Digit, currently there is no way to reduce your waiting period by paying a higher premium.

What Is A Deductible In Dental Insurance

A dental insurance deductible is an amount you must pay out of pocket each year before your plan starts to pay for covered dental treatment costs. Its usually a specific dollar amount. For example, if your deductible is $50, your plan will pay benefits once youve paid that much out-of-pocket in related dental care expenses. If youve used or purchased other types of insurance, chances are youve dealt with insurance deductibles before. An insurance deductible is an amount you will be responsible to pay out-of-pocket when you make an insurance claim before your benefits kick in. It typically resets each year, meaning you must meet your deductible each year before receiving benefits.

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Five Things You Need To Understand About Your Dental Insurance Plan

We all want to protect our families, and that doesnt stop at installing alarms in our houses to keep them safe. Consider this and keep your whole family smiling.

Imagine this. You are sitting back and relaxing, watching Netflix. You reach for the last bite of popcorn and ouch! Can you believe you just damaged your tooth!

Hefty dental bills can come take you by surprise almost anytime. That is why having dental insurance in place makes sense. It protects your out of pocket costs when the unexpected happens to you or your family members.

Before choosing which dental plan to go with, here are five factors to keep in mind.

Do Your Dental Plans Have Waiting Periods Before Services Will Be Covered

What Does Ppo Mean In Dental Insurance

Delta Dental encourages prevention so Diagnostic, Preventive and Basic services such as cleanings, x-rays, and exams are covered from day one! Some services, such as fillings, crowns or bridges, may have a waiting period. If you’ve had dental coverage within 60 days of enrolling in an individual plan and are a resident of AZ, CO, CT, ME, NH, NJ, VT, VA, WA or WI, waiting periods could be waived. However, you may be required to provide proof of prior coverage. Please review the plan details for specific information related to your plan. In some states, we also offer plans that do not have waiting periods.

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See If You Can Have The Waiting Period Waived

There are some instances in which you might be able to get your insurance provider to waive the waiting period.

For example, if you had a dental plan, but it was cancelled shortly before signing up for your current plan, you might be able to avoid the waiting period. This will depend on your insurer, though, so its something that you may want to ask about before enrolling.

As another example, if you were on an employers dental plan, but you dont work for them anymore, you might be able to have the waiting period waived if you go directly to the insurer to purchase a similar policy on your own.

What Procedures Have Wait Times

Generally, many basic procedures and most major procedures will have some type of waiting period. For fillings, deep cleanings and other basic procedures, youll probably need to own the policy for at least six months. For major procedures, the waiting period can be up to a year.

Insurance companies understand the dental problems are easier to treat when treatment begins fast. So why place limits at all? Unfortunately, waiting periods are necessary. Otherwise, people could make a single insurance payment, file a claim for hundreds or even thousands worth of dental work, and then drop their policy before the second payment. Dental insurance companies wouldnt be able to stay in business.

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Does Dental Insurance Have Other Restrictions

Waiting periods arent the only potential problem with insurance. Most policies also have restrictions on pre-existing conditions. If you had a dental problem which existed before you purchased the policy, it might be subjected to a waiting period or it might not be covered at all. For example, treatments for missing teeth are almost never covered. That means no dentures, implants or many other common tooth replacement procedures.

Additionally, most dental policies have annual limits. Although limits vary by plan and provider, they generally range from $1,000 to $1,500. If you only need preventative care, the annual limit probably wont affect you. But even just a routine procedure or two can max out your coverage for the entire year and once its gone, you still have to pay monthly premiums or youll have a hard time renewing your policy the following year.

Can I Visit The Dentist During My Waiting Period

Waiting Periods Caps And Limitations – Dental Insurance Benefits?

Dental insurance waiting periods commonly apply to major procedures like crowns, bridges, and implants. If your dental insurance plan has a waiting period, it will be listed in your benefits summary along with the length of wait time and the procedures for which the waiting period applies. If you have a dental procedure that isnt covered during the waiting period, you are responsible for the full cost.But some dental services are covered from day one of coverage. In most cases, there is no dental insurance waiting period for routine care like exams, cleanings, and x-rays. These services are considered preventive they keep your teeth healthy and help you avoid more costly procedures down the road. Because of this, preventive care is usually covered from day one, even if your dental insurance plan has a waiting period for other procedures.

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Best For Seniors: Physicians Mutual

Physicians Mutual

  • Available in all 50 states

We chose Physicians Mutual as the best dental insurance with no waiting periods for seniors because it covers preventative immediately and basic coverage after three months. At 12 months, you have 350 procedures covered, with no annual maximums and no deductibles.

  • No waiting period for preventive care

  • No annual maximums or deductibles

  • 500,000 in-network providers

  • 3-month waiting period for Basic coverage

  • 12-month waiting period for Major coverage

  • No senior discount

Physicians Mutual has been around since 1902 and is based in Omaha, NE. It offers dental insurance to individuals and families, as well as life and health insurance. Per their website, A.M. Best gives Physicians Mutual top ratings for financial strength.

Physicians Mutual Preferred Plus has three excellent plans for seniors who need dental insurance with no waiting periods. It immediately covers preventive care and basic care just three months later. One drawback is there is a 12-month waiting period for Major care. However, once that is met, the three plans cover 350 dental procedures at a generous amount.

Also, the programs have no annual maximums or deductibles associated with the benefits. The premium rates are affordable for seniors. For example, the range of premiums is about $30 to $47 each month in California. Moreover, Physicians Mutual’s nationwide network makes it easy for seniors to find a dentist nearby.

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