Learn all about cheap dental insurance plans with no waiting period. Dental insurance plans for major dental work are extremely advantageous over those with a year-long waiting period if you are in urgent need of major work.
People buying their own dental insurance (as opposed to those covered by an employer’s plan) sometimes get a nasty surprise when they sign up: a waiting period. Unlike regular health insurance, in which coverage usually starts immediately or at the beginning of the next month, dental plans often come with a delay between enrollment and the actual onset of coverage for some or all services. It could be six months to a year or more.
Some plans with no waiting periods provide increasing benefits from plan years one to three. For major services such as root canals, complete and partial dentures, crowns, and oral surgery, plans like this may cover 20% after the deductible is met during year one, 30% during year two, and 50% during year three. Plans that work this way typically consist of a one-time deductible for as long as you’re on the plan.
Cigna is an American worldwide health services organization. Humana is one of the country’s largest providers of dental insurance. Most people don’t consider their dental health until a crisis occurs. Dr. Cram says: “I’m seeing more and more young patients who haven’t been to the dentist in a few years and that’s where the problems really show up.” In other words: preventative care matters, and that means seeing your dentist regularly.
Dental coverage needs depend on the individual. If you are not in urgent need of a basic or major dental procedure, enrolling in a dental insurance plan with a long waiting period can reduce your monthly premium. Unlike medical insurance, which really is a necessity, dental insurance may not be the right choice for everyone.
Cheap Dental Insurance Plans with No Waiting Periods
Some insurance companies also impose restrictions, or additional waiting periods, that control how often the insured can get particular treatments. A policy holder may, for example, be restricted to getting their dentures replaced once every five years, or fillings replaced every six years. The term “Waiting Period” means the time that must pass before your benefits begin under a dental plan. Waiting periods will differ between carriers and plans, where some offer a “no waiting period”, while others may require as much as a 12-month waiting period.
Delta Dental Insurance Plans
Delta’s PPO Direct and PPO Direct Plus plans feature no waiting periods for Type I diagnostic and preventative services, which includes exams, cleanings and X-rays.
- Type I services are covered at 100%.
- Type II services (fairly basic procedures like fillings and extractions) have a six-month waiting period and are covered at 70%.
- Type III services (major procedures, including crowns and dentures) have a 12-to-24–month waiting period and are covered at 30%
Spirit Dental Insurance Plans
Spirit Dental will partially cover implants with no waiting period. Spirit Dental offers a large variety of plans and benefits up to $3,500 in coverage a year, its premiums and expenses are designed so that in most cases, you do not save money on dental care by having this insurance unless you need more than the average care Spirit Dental, provides full coverage for all classes of service immediately with no waiting period. Depending on your state of residence, orthodontia may require a waiting period. Spirit Dental has a lot of benefits for those who require more than the usual dental care: lifetime deductibles, up to $3,500 in coverage, no waiting period and coverage for major dental issues.
Cigna Dental Savings Plans
The Cigna Dental Savings Program is an affordable alternative to traditional dental insurance that helps you save on average 31% off* of dental care expenses for you and your family. We offer three programs to choose from and each one offers different ways to save, including discounts on pharmacy prescriptions, fitness and gym memberships, identity protection services and more. So you choose the one program that meets the needs of you and your family, pay one low annual fee to join, and start saving today.
Humana Dental Savings Plan
Humana dental plans vary by state. Some plans have no waiting period for any services. Others have a six-month wait for fillings and basic types of oral surgery. The HumanaOne Dental Loyalty Plus plan provides immediate coverage; there is no waiting period, even for oral surgery. The “catch” is that coverage amounts and percentages are lower in the beginning and gradually increase each year, reaching their maximum in year three. Human Dental offers great plans at very competitive prices. However, major savings are only available through their network.