Dental waiting period

How does a dental insurance waiting period work? Do you need dental plan without waiting periods? When is my waiting period done? What is a six month waiting period for dental insurance?

A dental benefits waiting period may last anywhere from a few months to a full year, depending on the type of plan you have purchased and the insurance benefits wording. The plans generally vary by state, in some of which there is no required waiting period regardless of the procedure, whereas others do have a six-month wait for fillings and basic oral surgeries.

A waiting period is the amount of time that must pass once you are enrolled in your policy before you can use certain benefits in your dental plan. Usually, major dental procedures will have waiting periods of six-twelve months. Major procedures include crowns, root canals, oral surgery, complex extractions, and more. For some companies, there is no waiting period for major dental care.

The catch is that the premiums are usually higher. Waiting periods aren’t the only potential problem with insurance. Most policies also have restrictions on pre-existing conditions.

If you had a dental problem which existed before you purchased the policy, it might be subjected to a waiting period – or it might not be covered at all.

Some services, such as fillings, crowns or bridges, may have a waiting period. However, you may be required to provide proof of prior coverage. Basic restorative procedures - fillings, simple extractions, deep cleanings, etc. Major restorative procedures like crowns, root canals, bridges, oral surgery and dentures often have a waiting period of six months to one year.

During the waiting perio you pay out of pocket for dental care. You are not reimbursed after the waiting period is over. Our dental plans and vision plans may also have waiting periods. Individual applications are subject to eligibility requirements.

Some plans have no waiting period for preventative services. Others have a six-month wait for fillings and basic types of oral surgery. Humana dental plans vary by state. If you had a qualified dental insurance plan in place for at least consecutive months before you joined Cigna, we will waive the waiting period for restorative care, so you can get that filling or root canal right away.

Otherwise, there is a waiting period of months for basic restorative services or months for major restorative services. Large Network of Providers. Aetna Vital Dental Savings. Discounts on Dental Care by Aetna. The waiting period within a certain dental plan can differ within these categories.

Preventative dental services include routine cleanings and fluoride treatments.

Most quality plans will not include a waiting period for these procedures, but they are usually limited to once every months. As it is with plans that do impose waiting periods, there are generally two different types of dental insurance plans that you can obtain without the need for a waiting period : DMHO ( Dental Health Maintenance Organization) A DMHO provides a network of dentists and dental offices for you to choose from. Some of the plans we offer have no waiting periods for any services (including major services) while some others will waive the waiting. However, dental plans often apply a waiting period before certain services are covered. The Power Of No Waiting.

Dental insurers, dental PPOs and discount dental plans have different coverages. The Coverage You Need Without The Wait. If you’re in the market for dental insurance, you want coverage now, not in six months or next year. You expect your plan to cover your dental services when you need them – not in the future.

Dental Implant Insurance plans start as low as $18.