Orthodontic waiting period

What is the best dental insurance for seniors? Is there a dental plan without a waiting period? Is Crown considered orthodontics?

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. Humana dental plans vary by state. Some plans have no waiting period for preventative services.

Others have a six-month wait for fillings and basic types of oral surgery. While many of us would just assume all benefits would be available immediately, waiting periods are used by dental insurance companies to protect themselves from individuals who only buy coverage because they are faced with an expensive dental procedure. This discourages members from joining for one year just to receive expensive major services while only paying premiums for one year. Some dental plans require a waiting period before they will pay for braces. Waiting periods cannot be appealed through the state.

They might cover cleanings and general dentistry immediately, but sometimes will have you wait as long as years before orthodontic coverage is active. Be sure to ask you dental plan if there is a waiting period for braces. 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. Aetna Dental Plans have no waiting periods. Discounts are available about hours after you become a member. You can use the discounts as often as you like, with no annual limits or limits on treatments. Our dental plans, vision plans, and life insurance plans may also have waiting periods.

Individual applications are subject to eligibility requirements. Preparing for orthodontic treatment? You might be covered for orthodontic services under your Delta Dental plan. To find out, review your Contract, Policy or Evidence of Coverage booklet or check with your benefits administrator. The need to straighten crooked teeth rarely comes as a surprise.

This holds true for adults as well as teenagers. Buy a plan with plenty of lead-time. However, some people are surprised by the need for braces. for Spirit family dental insurance online. It only takes a few minutes. In about business days, you’ll receive your ID card in the mail.

On the effective date of your policy, you can start using your insurance for your kids’ cleanings, checkups, and orthodontics. 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.

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. Dental insurance waiting periods are common with some policies having waiting periods as long as months, but there are dental policies that advertise themselves as no waiting period. Dental procedures are often classified into three classes: Preventative, Basic, and Major.

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. Check your plan for any coverage limits – for example, you may only have a certain amount of money you can spend per year and be covered for orthodontics , or there may be a waiting period between dental treatments. Many plans also apply a lifetime maximum to orthodontic treatment, if this coverage is included with the plan.

Orthodontic care may not be covered if you begin treatment before you start a dental insurance plan. When making an appointment, ask if your plan is accepted and understand exactly what and how much is covered.