Dental Insurance With No Waiting Period For Major Services

Do You Need Supplementary Health Or Dental Insurance

If you are young and healthy, you might not need to buy supplementary health or dental coverage. It depends to an extent on what you are covered for under OHIP, a group plan or a parents group plan. For example, starting in January 2018, OHIP provides prescription drug coverage to youth 24 and under who are not covered by private benefits. Those children and youth are able to get more than 4,400 prescription medicines for free by showing their health card and prescription. Coverage is automatic, with no up-front costs. Read the news release to find out more. Check what you are covered for, take a look at your individual situation, and make a decision on whether what you have now is sufficient.

Best Major Coverage: Spirit Dental

Spirit Dental

• Coverage Limit: $750 to $5,000
• States Available: 50

Spirit Dental is our best for major coverage, as it offers eight policies with no waiting period and competitive coinsurance rates for major services. Diverse coverage options allow you to find the right balance between monthly premiums, annual maximums, and out-of-network flexibility.

• No waiting periods for any covered procedures

• One-time deductible of $100

• Annual limits up to $5,000

• High out-of-pocket costs for orthodontics

• Expensive monthly premiums

• Less favorable terms in the first year

No one wants to think about undergoing major dental work like crowns, implants, and procedures that require anesthesia. But when these expensive treatments come up, having an insurance policy that covers them can provide some financial peace of mind.

Spirit Dental is one of the few dental insurance companies that doesnt impose a waiting period for major services on any of its policies.

You can get a quote quickly on Spirit’s website to see what your premiums would be. Each plan has a single lifetime deductible of just $100 per person, and plans are distinguished by annual maximums, which range from $750 to $5,000. You can choose between in-network and out-of-network coverage, although the latter will result in higher monthly premiums.

Cigna Dental: Most Affordable

Cigna is a health and life insurance company that offers three different dental insurance plans. Their network covers 93,000 dentists with over 297,000 locations across the nation. All of their plans include preventive care for free, including cleanings, oral exams, and routine x-rays.

Cigna’s two upper-tier plans, Cigna Dental 1500 and Cigna Dental 1000, waive waiting periods for restorative care if you have had a qualified dental insurance plan in place for at least 12 consecutive months before signing up for a plan with Cigna.

There is also no waiting period for any preventive care. They also offer a preventive care plan with premiums starting at just $19/month. This plan also has no waiting periods for routine checkups and cleanings however, major services and restorative care are not covered.

Have a look at the highlights of our choice for Cigna, the Cigna Dental 1500 plan:

Preventive services:

• 1 oral exam every 6 months
• 1 routine cleaning every 6 months
• 1 set of bitewing x-rays per year
• 1 fluoride treatment per year for patients under 14

Basic restorative services:

• 1 filling per tooth per year
• 1 full-mouth panoramic x-ray every 5 years
• Routine tooth extraction

• 1 deep cleaning every 3 years
• 1 crown per tooth every 7 years
• Wisdom tooth extraction
• Bridges every 7 years

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Summary Of Dental Plans With No Waiting Period

Thankfully, there are many possibilities if you are looking for dental insurance plans with no waiting period. In fact, most plans have no waiting period for preventive services, and there are even some plans that don’t have a waiting period for major restorative services.

Other plans will waive waiting periods on major services if you’ve had dental insurance with a different provider for at least 12 consecutive months before switching over.

Have a look at the table below for a summary of the best dental insurance plans with no waiting period:

Preventive Dental Care Helps Prevent These Problems

There are multiple dental plans with different levels of benefits to help you find the best dental insurance fit for your budget.4 If youve ever bought a gym membership or a treadmill to help remind you to take care of yourself, supplemental dental insurance from Golden Rule Insurance Company can be similar. Its that reminder to take care of your teeth. Even better, it can help you plan ahead for the costs of your dental care.

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How We Chose The Best Dental Insurance Plans Of 2022

To rank the best dental insurance plans of 2022, we evaluated:

• Coverage benefits for preventive, basic and major services – Our top picks offer 100% coverage on all preventive services and offer at least one plan that covers 50% of basic and major procedures.

• Annual maximum limits – Most dental plans limit payouts to $1,500 or $2,000 per year. Providers that set annual limits under $1,000 didnt make the cut.

• Premium rates – We excluded plans that charged high premium rates and didnt offer more affordable options. Paying over $70 a month for dental insurance is not feasible for many, even if the plan offers unique benefits such as no waiting periods or high payouts.

• Multiple plan options – Dental care needs vary a lot per person. We selected providers that offer something for everyone, be it prevention-focused plans or more comprehensive benefits.

• Customer satisfaction – We cite the complaint index set by the National Association of Insurance Commissioners and each companys ranking in J.D Powers 2021 U.S Dental Plan Satisfaction. We didnt exclude companies based on consumer satisfaction due to limited data. Instead, we list the available information in the pro and con section.

Denali Dental: Best Preventive

Denali offers two dental plans: the Summit Plan and the Ridge Plan. Both pay 100% for preventive services and 50% for diagnostic services in the first year.

The Summit plan also covers 30% of basic and major services in the first year. Then in the second year, it covers 75% of diagnostic services and 40% for basic and major services.

The Ridge plan pays 10% for basic and major services in the first year, which increases to 25% in the second year. Diagnostic services coverage increases to 60% in the second year.

In the third year, diagnostic coverage increases to 70% and basic and major coverage to 40%. And in the fourth year, the diagnostic services coverage reaches 80% and basic and major services coverage reaches 50%.

For our purposes of finding no waiting period dental insurance, we are most interested in the Ridge plan. It has a maximum benefit of up to $2,500 and there are no waiting periods for any of the treatments.

In return, as we mentioned above, this plan covers a lower percentage of treatment than the Summit Plan does, but if you need dental care right away on major services, it may be worth it to get some immediate coverage.

Have a look at the highlights of the Ridge plan:

Preventive services:

• Endosteal implants

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What To Look For In A Dental Insurance Provider

How can you a dental insurance provider thats right for you? Look for these 3 key features when you shop for dental insurance:

• High maximum benefits: Dental insurance companies can put both a yearly and lifetime cap on the amount theyll payout for your dental care needs. Look for an insurance provider with a high maximum benefit limit to get the most out of your coverage.
• Availability in your area: Not every dental insurance is licensed to offer plans in all 50 states. Enter your ZIP code and be sure that your dental insurance provider services your area before you buy a plan.
• A low deductible: Your plans deductible is a set dollar amount you need to spend on your dental care costs before the insurance covers your care. Look for a plan with a deductible that you can afford otherwise, you might end up overpaying for insurance you cant use.

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Is It More Expensive To Use Dental Insurance With No Waiting Period

It depends on the category of care you seek. For example, it is not more costly to get preventive care, as dental insurance policies with no waiting period usually provide these and pay 100%. However, if you have Basic or Major care needs, you might pay more in the first year or two than you would by year three. That’s because many policies will increase coverage the longer you subscribe. For example, many UnitedHealthcare plans pay a smaller percentage on day one of coverage than they do a year later.

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No Waiting Period Dental Insurance Gets You Into The Dentist

And Spirit Dental gets you in faster. You can have next-day coverage for cleanings & exams, fillings, crowns, implants, or braces. Our no waiting period dental insurance gets you the help you need.

Spirit Dental also makes it easy to see your dentist. With one of the top networks in the country, you’ll have no problem finding a dentist close by. You’ll also receive an average of 32% in-network savings per procedure. And with our Choice plans, you can see any dentist and still receive the same great benefits Spirit Dental offers. Additional plan benefits include:

Shop Now For Dental Insurance Plans With No Waiting Period

If youre ready to shop for dental plans in your area but youre feeling overwhelmed, use the Direct Benefits Marketplace, where you can compare plans and weigh their pros and cons based on factors like waiting periods. Then, once youve found a plan that works for you, you can easily sign-up so you can start reaping its benefits as soon as possible.

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Best Preventive Care: Denali Dental

Denali Dental

• Coverage Limit: $750 to $6,000
• States Available: 34

Denali Dental is best for preventive care of all the insurers in our review because the company covers more preventive care services than any other provider, which means you can get your teeth cleaned up to four times per calendar year from one policy.

• Four cleanings and two exams included annually

• Low lifetime deductible

• Up to $6,000 annual maximum

• Orthodontics not covered on lower-cost Ridge plans

If you like to stay on top of preventive care for your teeth, Denali Dental offers no-wait plans that include four cleanings per year, more than any other provider. The two plansnamed Ridge and Summitare priced by geographic area and can be more or less expensive depending on where you live. You can get a quote on Denali Dental’s website.

While monthly premiums may be high, Denali Dentals loyalty incentives might make the cost worth it for anyone who intends to stay with the same provider for several years.

The Ridge and Summit plans cover 100% of preventive services, so your four annual cleanings will be completely free of charge.

How Can Dental Plans Make Dental Care More Affordable

Dental plans can help you manage your dental care costs better because the cost of not taking care of your oral health could be more.

• People without individual dental coverage are less likely to get routine dental care
• Waiting until theres a problem means that dental treatment will often be more involved and expensive
• Major problems linked to poor oral health are more likely to appear3

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How To Get Dental Implants Covered By Insurance

Dental implants are eligible for coverage if tooth loss results from injury, trauma, or a medical condition. Congenitally missing teeth are not covered. Additionally, coverage only applies to the root replacement . The actual missing tooth may be excluded.

Dental discount plans could help save on implants by reimbursing a portion of the payment. You can combine discount plans with your insurance coverage as long as your doctor accepts them.

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Spirit Dental Plans With No Waiting Period Offers Coverage When You Need It Most

With Spirit Dental, we keep things simple, with no surprises. Once you’re enrolled in a plan, you’re covered immediately starting on the effective date, which can be as soon as the next day! No more waiting for that trip to the dentist.** We provide affordable dental plans with no waiting period so you get the immediate dental insurance you need.

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The Best Dental Insurance Plans With No Waiting Period On The Marketplace

When shopping for dental insurance, youll come across plans that impose a waiting period that might last a month to a year or more. This means that certain levels of coverage, or perhaps even all coverage, wont kick in until after the waiting period is over. Sounds inconvenient and frustrating, doesnt it?The good news is there are dental insurance no waiting period options available.

So, if you want to rest assured that your policy will cover everything from preventive to major services from the day your plan becomes active, searching for full coverage dental insurance with no waiting period is the right way to go.To help you get started, weve compiled a list of some of the best dental insurance providers that offer plans without a waiting period.

Overview

Dental insurance with no waiting period: 6 options to consider

Spirit Dental

What is the best dental insurance with no waiting?

Cost

Are there ways to avoid a waiting period with dental insurance?

Shop now for dental insurance with no waiting period

What Is Considered Major Dental Work

Major dental work refers to services that replace missing or damaged teeth. In dental insurance, major work falls into the most extensive of the three groups used to categorize most dental care:

• Preventative Services: Diagnostic and preventive services, such as cleanings and X-rays
• Basic Services: Basic restorative care, such as fillings and extractions
• Major Services: Major restorative care, such as root canals and crowns

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How Dental Insurance Coverage Works

Cigna offers three types of dental insurance.

Cigna Dental Preventative is their most affordable plan. It covers 100% of preventative care, which typically involves twice-yearly cleanings, x-rays and a personal exam from your dentist. However, no restorative procedures are covered.

Their other two plans are Cigna Dental 1000 and Cigna Dental 1500. Both cover 100% of preventative care. They also provide $1,000 and $1,500, respectively, of restorative coverage. However, waiting periods and other limits may apply.

Best Dental Insurance Plans With No Waiting Period Of 2022

• Best Preventive Care: Denali Dental
• Best Basic Coverage: UnitedHealthcare
• Best Major Coverage: Spirit Dental
• Best for Orthodontics: Ameritas
• Best Affordable Coverage: Delta Dental

• Coverage Limit: $1,000 to $1,500
• States Available: 49

Humana offers the most diverse dental insurance options with no waiting period, with three different plan types to choose from. Factor that in with affordable premiums, low deductibles, and a huge network of providers, and this insurer easily comes out on top as best overall option in our review.

• No waiting period for all covered services on some plans

• Choose from three different plan types

• 270,000 in-network dentists

• Higher coinsurance than some competitors

Humana offers no waiting periods with four of its seven dental plans, and the options and benefits available are some of the best in the industry. Those who want coverage to begin immediately can choose from a PPO plan, HMO, or a dental discount plan with some of the lowest premiums we were able to find from any provider.

Humanas Preventive Value Individual and Dental Loyalty Plus plans provide PPO coverage, and we were quoted reasonable rates. Preventive Value Individual is designed for those who need only preventive and basic services, while Dental Loyalty Plus adds major service coverage. Both plans pay for 100% of preventive services. These preventive services include the standard two cleanings with exams per year.

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Individual & Family Dental Plans

Youre in luck! With Delta Dental of Tennessees fully insured dental plan, its easy to get the coverage you need to protect your healthand your wallet You can also enjoy the benefits of comprehensive vision care. DeltaVision® offers the same quality coverage, exceptional service, and unparalleled networks youve come to expect from Delta Dental, making it an easy addition to your healthcare network.

What Ohip Covers And What It Doesnt

Before you can decide whether or not you need supplementary health and dental insurance, you should have an idea about the kinds of services OHIP does and doesnt pay for. The basic expenses covered by OHIP include:

• Visits to doctors

For a full list visit What OHIP Covers.

What OHIP doesnt typically cover:

• Prescription drugs/medicines provided outside of hospitals such as antibiotics, painkillers, and some cancer drugs
• Specified elective medical services such as chiropractors or massage therapists
• Semi-private or private hospital rooms
• Some medical exams, tests and vaccinations

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We consider Humana to be one of the best dental insurance companies with no waiting period. The company has several plans to choose from, with some having no waiting period for basic dental services and the Loyalty Plus PPO having no waiting period for major dental work.

This sets Humana apart from most providers, but there are some other options for seniors looking for dental insurance with no waiting period. Cigna may offer waivers on waiting periods in some circumstances, and Aetna is also willing to waive waiting periods for those who had dental coverage prior to joining them.