How To Buy Dental Insurance With No Waiting Period
If youre looking for dental insurance with no waiting period, start searching for a DHMO plan. Look over any policy youre considering very carefully. Review terms for waiting periods, which type of services will be covered when, and coverage for pre-existing conditions.
If your employer doesnt offer dental insurance with no waiting period, you can still obtain an excellent, affordable plan on your own. Dental insurance is available for purchase online, over the phone, or through an insurance broker.
Guardian Dental Managed DentalGuard plans have no waiting periods, no deductibles, and no maximums. Plus, its available for purchase year-round, with instant approval and guaranteed acceptance. .
Average Cost Of Dental Insurance That Covers Crowns
The average cost of dental insurance ranges from $15 to $50 per month. Comprehensive plans that pay for crowns may be on the higher end of that range. Your costs may be higher or lower based on certain factors:
- Whether you have an individual or group plan
- The type of plan you choose
- Whether or not your coverage is through an employer
A few dental plans offer limited discounts. Some plans may offer a small reward you can use to help cover your deductible if you stay below a certain threshold. You may also find plans that offer special rates to seniors. If youre concerned about finding affordable dental insurance, the best approach is to shop around and compare multiple quotes.
No : Yes: If Its Included In Your Policy
Some dental insurance plans only offer coverage for preventative matters, such as routine cleanings. These policies may also offer coverage for basic restorative dental care, such as a filling. However, root canals are likely considered to be in a different category. If your dental insurance offers coverage for major restorative services, it will probably cover root canals.
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What’s The Cost For Full Coverage Dental Insurance
Full coverage dental plans vary in cost depending on what type of plan you choose. For example, DPPO and DHMO plans may offer coverage for many types of dental services, but their costs can be quite different.
- Deductible:This is what you pay before your plan begins to pay. Some dental plans have deductibles, such as DPPO plans. While many DHMO plans do not.
- Coinsurance:This is the percentage of costs you and your plan share, typically once youve met your deductible. If your plan doesnt have a deductible, like a DHMO, you will pay a flat fee for the services you receive.
- Annual Maximum:This is how much your plan agrees to pay toward your dental care in a plan year. If you go over this amount, you may be responsible for the out-of-pocket costs.
- Premium:This is what you pay monthly for your plan. Some plans, like DPPOs, tend to have a little higher premium because they offer you a lot of choice. DHMOs tend to have lower premiums because you are more limited.
No : No: If Youre Still Within The Waiting Period
Dental insurance policies often have waiting periods, meaning you cant benefit from your coverage for a specified period of time after your policy becomes effective. Some dental insurance policies may only have waiting periods for certain procedures, including root canals. If you need a root canal and youre not past the waiting period, your dental insurance provider will not cover it.
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Why Buy From Us
DentalInsurance.com pioneered internet dental insurance sales through value and high quality customer service. Launched two decades ago, DentalInsurance.com was the first coast-to-coast marketplace for comparing prices and buying dental insurance plans online. Our website was the internets original dental insurance marketplace and continues to lead the field because we put customers first. We earned anA+ rating from the Better Business Bureau as well as a top rating ofExcellent from TrustPilot, a website review company with 15 years experience and over 100 million consumer reviews of online businesses.
Do I Need To Have Dental Insurance
Theres no requirement that you have dental insurance, nor is there a tax penalty for not having dental insurance. The Affordable Care Act mandates that dental insurance coverage must be available to you if you have children in your household. However, there is no such requirement for adults. That being said, you may be able to find dental insurance plans through your states insurance marketplace.
From a personal standpoint, whether or not you have dental insurance is up you. It may be a good idea to ask your dentist for estimates so you can compare what the cost would be if you didnt have dental insurance. When reviewing the dental insurance options, you should pay attention to the deductible, waiting periods and copays. Considering these factors will help you evaluate whether its a better deal to have dental insurance or not.
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Do Dental Plans Pay For Braces
Orthodontists correct misaligned teeth and their services include braces , headgear, and retainers. The majority of dental plans don’t pay for orthodontic care, but there are some plans that do cover these services. These plans have differing levels of coverage and may have annual or lifetime limits on payments for orthodontic care. In some cases, orthodontic coverage may be restricted to children under the age of 18 on the dental plan. Additionally, there may be a minimum time of enrollment before a person may take advantage of orthodontic benefits. This minimum time of enrollment is known as a “waiting period.”
For state-by-state examples of dental insurance plans, see “Does dental insurance cover braces?” Please note some plans with orthodontic benefits may have waiting periods before these benefits are active.
Why Do You Need Dental Insurance
Dental insurance is about more than a pretty smile, though thatâs certainly important. Quality dental coverage encourages you to visit your dentist regularly for routine care and an evaluation of your oral health. Poor oral health can negatively affect your overall physical health. For example, periodontitis, more commonly known as gum disease, is linked as a risk factor to several other health problems such as diabetes, heart disease, and lung diseas.
Good oral health, in contrast, can help reduce the risk of dental problems in the future that can be painful as well as expensive to treat. Given the number of inexpensive dental plans available across the nation, getting coverage makes sense from the perspective of your finances as well as your health and wellness.
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How Do You Know If You Need A Root Canal Or Just A Crown
Persistent tooth pain is one of the signs that you may need a root canal. The pain in your tooth might bother you all the time, or it might go away from time to time but always return. You may feel the pain deep in the bone of your tooth. Or you may feel referred pain in your face, jaw, or in your other teeth.
Will My Insurance Cover Teeth Whitening
It depends on several issues. First, what teeth whitening method do you intend you use? Teeth whitening toothpastes and over-the-counter whitening kits are typically excluded from coverage. The second issue concerns which dental plan you use. Some dental plans do help pay for in-office whitening performed by a dentist. Third, the dental plans that cover teeth whitening may have conditions placed on the coverage such as a waiting period or the plans’ annual limit on dental spending.
To confirm coverage or non-coverage of whitening, you need to review benefit explanation within the insurance’s Plan Details, Plan Brochure, or Summary of Benefits. You can learn more about the different techniques for teeth whitening in our article “What’s The Best Way to Whiten My Teeth?“
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Will My Dental Insurance Cover A Root Canal Treatment
The root canal treatment has been unfairly portrayed as some kind of pinnacle of suffering. The truth is that simple root canal procedures are not much more involved than getting a filling. The dentist cleans out the inside of an infected tooth and then seals it to prevent reinfection. Voila! Your tooth is healthy again.
Will My Dental Insurance Cover My Root Canal
The best way to find out this information is to look over the benefits manual that was provided by your employer or insurance provider. If you dont have one, call your dental insurance provider and ask about your benefits.
Basic dental insurance may not cover root canals, only the cost of preventive care such as exams and cleanings. A higher tier plan may cover part of the cost and may or may not include a deductible that has to be met first. You would most likely need a top tier dental insurance plan for 100% of the cost to be covered, and it would likely come with a fairly steep premium.
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What Exactly Is Root Canal Therapy
Occasionally when you allow tooth decay to progress untreated, you develop pulpitis, an infection of the dental pulp. Chips or cracks in the tooth or repeated procedures are causes of dental pulp infection, as stated by the American Association of Endodontists. When dental pulp infections develop, root canal treatment in Wenatchee becomes essential to preserve your tooth.
Endodontic dentists are specialists in performing root canals to treat infections at the core of your tooth. When you accept the proposal of the Wenatchee dentist to undergo root canal therapy, they remove the infected or inflamed dental pulp within your tooth before sterilizing, filling, and closing the tooth.
If infected teeth cause severe pain, endodontic therapy relieves the pain entirely. In addition, as the dental pulp nourishing your tooth is removed, a dental crown becomes essential to strengthen it.
Best Practices When Shopping For Dental Insurance
You care about your teeth so you should care about the way you shop for dental coverage. Donât consider the monthly premium alone. Instead you should examine plans available in your area to see:
- What dental services are covered by the plan
- If your dentist accepts the coverage
- What cap there is on the planâs payments toward your annual dental costs
- How much out-of-pocket costs are charged for the dental services you expect to use
- How does the plan deal with situations where you want care from an out-of-network dentist
For a more comprehensive discussion of dental plan options and considerations, read our Dental Insurance 101 article. It covers all the major plan types, dentist networks, premiums, and out-of-pocket costs.
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The Dental Insurance You Need At The Price You Want
With Progressive Health by eHealth, all it takes is a few minutes to find the dental insurance plan that fits your budget and care needs. When you use eHealths free plan finders and comparison tools, you can quickly compare the best plans available in your area from among 270+ carriers. Most plans offered through eHealth cover preventative and basic dental care. Get a quote for dental insurance today and give your teeth the care they need.
Looking for other types of plans? See more health insurance options. Have questions about health insurance? Learn more with our Health Insurance 101 guide.
Full Coverage Dental Plans
Good news not all dental insurance plans have waiting periods. Even the longest and strictest of waiting periods usually vary depending on the type of service. Most insurance providers split dental procedures into three categories: preventive procedures, basic procedures, and major procedures. Preventive services are usually not subject to waiting periods, but basic and major dental care often are subject to waiting periods. These are the most common types of dental insurance with no waiting periods:
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How A Root Canal Can Help Your Dental Health
A root canal can help your dental health because it saves your natural tooth. While the infection and swelling in the moment may hurt, a tooth extraction can hurt more. A root canal treatment prevents you from enduring a tooth extraction.
Although dentures, bridges, and implants may be options for patients who lose a tooth, they will not fully replace its functionality. They may keep teeth from shifting, but chewing and biting will not be the same.
Should You Buy Dental Coverage
If youre currently without dental coverage, you might be wondering whether or not its worth buying your own policy. Theres no universal answer here, as everyones financial situation and oral health needs are different.
Generally, youll want to start by considering the costs of a dental plan versus your typical annual dental care costs. Break down what your dentist charges for twice-a-year cleanings, X-rays, fillings, and other routine care. Then, compare these costs with the dental plan premiums under different plans. Keep in mind that you may be able to deduct your insurance expenses come tax time.
Youll also want to consider your overall dental health when deciding whether to buy a policy of your own. If you have a history of dental problems, it will probably be worth spending the money on coverage to have the additional peace of mind. If youre on Medicare, remember that Medicare will not cover dental work unless medically necessary.
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Are Root Canals Covered By Dental Benefits
Many insurance companies offer comprehensive dental coverage that includes regular check-ups, diagnosis, tests, cleanings and oral surgery procedures. Depending on your coverage, you will likely be able to claim most if not all the cost for a root canal. In order to determine if your root canal will be covered, contact your insurance provider before the surgery. This can help you and your dentist determine what will be covered and how that will fit into your regular dental check-ups and cleanings for the year.
The best way to avoid tooth damage and decay is to ensure you are following a comprehensive dental care routine. This includes brushing and flossing twice daily and regularly visiting your dentist. If you are experiencing pain or discomfort, you may have an infection or decay that will require a root canal. If you are looking for a dentist in the Vaughan, Maple or Woodbridge area, look no further than Dr. Lloyd Pedvis at Mackenzie Dental Centre. An experienced cosmetic and family dentist, Dr. Pedvis leads his experienced team through regular check-ups and more complicated procedures. For a stress and pain-free root canal, Mackenzie Dental Centre can help provide you with exceptional care. For more information or to book an appointment, contact us today at 905-417-8700.
Anthem Blue Cross Blue Shield
The Anthem insurance company covers 42 million people who use its insurance coverage policies in 14 states, making it a significant insurance provider in the U.S. There are a number of dental insurance plans to choose from and members have access to valuable resources and digital tools that can be very helpful.
A big part of what makes the Anthem company different from other insurance companies is its size. The company is part of the larger Blue Cross Blue Shield Association, and offers one of the largest networks of dental providers in the country. There are also some downsides with insurance from Anthem, like non-customizable plans and limited availability in certain parts of the country.
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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, and orthodontics, among others.
How Much Does Dental Insurance Cost
The cost of a dental insurance plan varies based on your location, type of plan, and the amount of coverage your policy provides. Dental plans offered through eHealth have a variety of options available to suit your specific needs. Get a quote for dental insurance today and find a plan that puts a smile on your face.
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Can I Visit The Dentist During My Waiting Period
You can visit the dentist at any time, but if you do so during your waiting period, it might cost you. Many preventive dental procedures are covered from day one of coverage, even if your policy has a waiting period. But if you have a dental procedure done that isnt covered by your insurance during your waiting period, youll be responsible for the full cost.
No 2 No: If Its Considered A Cosmetic Procedure
This is where things get a little complicated. Just because a dental insurance plan offers coverage for implants, that doesnt mean it will cover implants in every circumstance. For example, if you are in an accident that makes it so that you need dental implants, this is likely to be covered. However, if youre getting dental implants for other reasons, your plan may consider it to be a cosmetic procedure and exclude it from your coverage.
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