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. The cost of dental care has steadily risen in dental offices across the country. Other dental insurance providers impose an initial waiting period on plan coverage. Preventive Value Individual is designed for those who only need preventive and basic services, while Dental Loyalty Plus adds major service coverage. Investopedia requires writers to use primary sources to support their work. This Delta Dental plan doesn’t cover some services like implants, although teeth whitening is included with a copay of $125. One downside: Denali Dental’s Peak plan only covers 80% of preventive services such as exams and cleanings, which means you’ll have to pay the other 20% out of pocket. No waiting periods for preventive care; Other waiting periods waived with proof of prior dental insurance; Preventive services covered 100% Basic services covered 80% with in-network providers (after deductible) Major services covered 50% with in-network providers (after deductible) Dental insurance doesn’t have to be expensive. This HMO plan, named DeltaCare® USA, works with a copay structure instead of the coinsurance rates associated with PPO plans. Four cleanings and two exams included annually, Orthodontics not covered on lower-cost plans. But with HealthMarkets, it isn’t wishful thinking. For a specific monthly rate(or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Our example dental insurance with no waiting periods is just one of many different possible plan designs. Why We Chose It: Spirit Dental is our best for major coverage, as it offers eight policies with no waiting period and competitive coinsurance rates for major services. Conversely, your dental plan may have a 6- to 12-month waiting period for restorative services such as filings and non-surgical extractions, where a 12-month waiting period is often standard for major services such as crowns or dentures. Other dental insurance providers impose an initial waiting period on plan coverage. No Waiting Period Individual & Family Dental Insurance Plans. This helps dental insurance companies stay profitable by collecting premiums before they have to start paying for expensive procedures. Best dental insurance plans without waiting periods. 2Free Discount Vision, Hearing, and Prescription Drug services are provided by EyeMed Vision Care, Epic Hearing Health Care, and Beta Health. No waiting period dental insurance by Ameritas Life includes multiple plan designs. Use as soon as policy becomes active. Open to any veteran enrolled in the VA health care program, these dental policies are available at two coverage levels: Basic and High. You can quickly get a quote on Spirit's website to see what your premiums would be. With over 150 insurance companies nationwide to choose from, and over 3,000 licensed agents to help you with that decision, you can get the dental care you need when you need it. Maybe you enroll in a traditional Cigna Dental Insurance plan because you know that you have some broken teeth that need to be fixed. Not only does health insurance provider Humana offer no waiting periods with three of its six dental plans, but the options and benefits available are also some of the best in the industry. With over 150 insurance companies nationwide to choose from, and over 3,000 licensed agents to help you with that decision, you can get the dental care you need when you need it. 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