Dental Insurance With No Waiting Periods - Dental Jobs Expert

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Dental Insurance With No Waiting Periods

Where can I find dental insurance with no waiting periods? This is one of the most common questions asked by many fellow American. Before we get to that point and answer the question, first I would like to explain how a typical dental insurance work in United States.

Dental insurance commonly comes with a monthly premium, and the insurance agents may boast that they have a lot of benefits. However, you have to pay attention to the limitations of the plan. One of the most important limitations is the waiting periods.

Many people begin to think getting a dental insurance when they already have a problem with their teeth. Some even wait until the problem becomes severe and need major dental procedures. The waiting periods in dental insurance is a safety net for the company to avoid getting too many early claims. That said, the waiting periods is, in general, applied for major dental procedures only. Usually the dental insurance waiting period for major dental care is one year.

What are the major dental services that may be included in this waiting period policy? In general, they are:

  • crowns
  • bridgework
  • removable partial dentures
  • complete dentures
  • tooth implants
  • inlays and onlays
  • complex oral surgery procedures
  • denture relines and rebases
  • orthodontic treatment
  • denture repair

Dental Insurance with No Waiting Periods – A Myth?

It’s a lot to swallow, but yes I think that there are no dental insurance plan that has no waiting periods. Dental insurance, much like any other kinds of medical insurance is a product you buy when you are healthy (or in this case, you have a healthy teeth). If you are considering to look for dental insurance with no waiting periods because you need an immediate dental care, you may want to look at other options.

The first option is dental discount plan. There are various company offering the dental discount plan. We have talked about this many times. Dental discount plans have no waiting periods, no pre-existing conditions limitation, no deductibles, etc. The one downside of this product is the discount may not as big as you expected. The dentist network is typically smaller than the network that the dental insurance has.

If you end up needing an immediate or emergency dental care while you don’t have an insurance to cover the fees, you may also want to use cheap dental care from dental school clinics in your area. We’ve listed several places you can get emergency dental care with no insurance. Use the list to your best interest.

Last but not least, I would like to stress the importance of insurance. Even when you have low income, there are still many options available for you (See: Low Income Dental Insurance Plans).

I hope you now know the truth about the dental insurance with no waiting periods!

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