Dental Insurance With No Waiting Period for Crowns and Implants, Dental insurance without a waiting period allows patients to access insurance coverage for treatment immediately, eliminating the need for any waiting period. With this type of insurance, individuals can sign up and begin receiving the necessary treatment on the very day their coverage starts.
Numerous insurance companies provide dental insurance plans without waiting periods, although it’s important to note that some of these plans may come with high monthly premiums and low annual coverage limits.
Our aim is to assist you in navigating the sea of costly plans to discover the ideal dental insurance with no waiting period that suits both your budget and your oral health requirements.
What is a waiting period for dental insurance?
A waiting period for dental insurance refers to the designated period of time that policyholders must wait before their insurance coverage becomes applicable for certain types of treatment.
In the realm of dental insurance, basic services such as cleanings typically fall outside the waiting period. This means that as soon as your insurance coverage begins, it will assist in covering the costs of those treatments.
Waiting periods primarily apply to more extensive and costly procedures, such as restorative services like root canals or dental implants. Insurance companies implement waiting periods to maximize their profitability.
By requiring waiting periods for expensive treatments, insurers aim to ensure that individuals do not solely enroll in insurance to cover the expenses of costly dental procedures and then discontinue their coverage once the treatment is completed. This contributes to the challenge of finding dental insurance plans offering comprehensive coverage.
Waiting periods can pose an additional obstacle for the 74 million Americans who lack dental insurance through their employer, a group program, or a public program. Many individuals question the value of enrolling in insurance if they cannot access the necessary treatment when they require it, leading them to seek affordable dental care alternatives without insurance.
Therefore, if you are seeking a dental insurance plan without a waiting period, we empathize with your concerns and are ready to provide you with suitable options.
The best dental insurance plans with no waiting period 2023
Here are some of the top dental insurance plans available in 2023 that offer coverage without any waiting period. Take a look at these highly recommended options:
Humana: Top Choice
Humana stands out as an excellent option for dental insurance with no waiting period. They offer a wide range of dental plans, and their extensive network includes over 270,000 dentists nationwide. One notable advantage of Humana is that they waive deductibles for preventive services obtained from in-network dentists.
Among their dental plans without waiting periods, our recommended choices are the Humana Extend 2500 and the Humana Extend 5000. These plans cover a range of preventive services, such as two oral exams and cleanings per year, fluoride treatments, comprehensive oral exams every three years, perio exams every three years, and panoramic x-rays every five years.
Moreover, these plans provide coverage for major restorative services. The Humana Extend 2500 plan offers a $1,000 annual maximum for implants per person, a $100 teeth whitening allowance per year, 100% coverage for preventive vision and hearing exams once per year, and a $2,500 annual maximum for general coverage per person. On the other hand, the Humana Extend 5000 plan provides even more comprehensive coverage, including a $2,000 annual maximum for implants per person and a $5,000 annual maximum for general coverage per person.
Another option worth considering is the Humana Bright Plus plan, which offers dental coverage with no waiting period for preventive services such as cleanings and x-rays. With this plan, you can start receiving care as soon as you obtain your member ID card. Basic dental services, like fillings, are covered at 60% when using an in-network dentist. Although there is a 90-day waiting period for these basic services after your application is processed, it does provide a $100 annual allowance for in-office whitening.
For those seeking dental insurance without any waiting periods, the Loyalty Plus plan from Humana is an attractive choice. While the catch is that during the first year of coverage, you will bear the majority of your treatment costs, there are no waiting periods for any services, including major dental treatments. You would be responsible for 80% of the costs for major restorative services in the first year, with the coverage percentage gradually increasing to 50% to 70% in subsequent years.
Notably, the Humana Extend plan mentioned above is one of our top recommendations for dental insurance that covers root canals.
NCD: Strong Contender
NCD plans, offered through Nationwide Insurance, emerge as our runner-up choice for the best insurance with no waiting period. Being a part of Nationwide, they boast an extensive network and provide treatment without any waiting period, even for major restorative services. Moreover, NCD offers a comprehensive range of services with generous annual maximums.
What sets NCD apart is that they waive the waiting period for major treatments like implants, even if you have prior dental coverage. This includes partial prior coverage, making this plan particularly advantageous.
Both the NCD 3000 and NCD 5000 plans excel in meeting various treatment needs. They feature low deductibles of only $50 per person per year, with a family cap of $150 per year.
Preventive services are fully covered, and basic services enjoy 80% coverage, all without any waiting period.
Major services such as implants, crowns, and oral surgery receive 50% coverage, with no waiting period if you have prior coverage. However, if you don’t have prior coverage, there is a 12-month waiting period.
Both plans offer a high annual maximum of $3,000. However, with the NCD 5000 plan, you have the option to increase the annual maximum to $5,000 by purchasing an additional $2,000 coverage.
In summary, NCD plans from Nationwide Insurance offer an impressive range of coverage without a waiting period, making them a strong contender for dental insurance.
Cigna Dental: Budget-Friendly Option
Cigna, a reputable health and life insurance company, offers three dental insurance plans that cater to different needs. With a network spanning 93,000 dentists and over 297,000 locations nationwide, Cigna provides extensive coverage. All of their plans include complimentary preventive care, encompassing cleanings, oral exams, and routine x-rays.
Cigna Dental 1500 and Cigna Dental 1000, their upper-tier plans, eliminate waiting periods for restorative care if you have maintained a qualified dental insurance plan for at least 12 consecutive months before enrolling with Cigna.
Furthermore, there are no waiting periods for any preventive care services. Additionally, Cigna offers an affordable dental insurance plan focused on preventive care, with premiums starting at just $19 per month. This plan allows immediate access to routine checkups and cleanings without any waiting period. However, it does not provide coverage for major services or restorative care.
Now, let’s delve into the key features of our recommended choice, 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
- Emergency treatment
Major restorative services:
- 1 deep cleaning every 3 years
- 1 crown per tooth every 7 years
- Wisdom tooth extraction
- Dentures every 7 years
- Bridges every 7 years
In summary, Cigna Dental presents an affordable option for dental insurance. With a wide network and comprehensive coverage, their plans offer substantial value for those seeking cost-effective options without compromising on preventive care and certain restorative services.
Denali Dental: Unmatched Preventive Coverage
Denali Dental proudly offers two exceptional dental plans: the Summit Plan and the Ridge Plan. These plans prioritize preventive care, ensuring comprehensive coverage for such services.
Both the Summit Plan and the Ridge Plan provide 100% coverage for preventive services. This means that expenses for routine checkups, cleanings, and other preventive treatments will be fully covered by the insurance.
Additionally, during the first year, both plans cover 50% of the costs for diagnostic services. This includes procedures like X-rays and examinations, providing substantial coverage for essential diagnostic procedures.
The Summit Plan goes a step further by offering coverage for basic and major services. In the first year, it covers 30% of the costs for these services. Coverage for diagnostic services increases to 75% in the second year, while coverage for basic and major services increases to 40%.
By the third year, the Summit Plan covers 90% of diagnostic services and 50% of basic and major services. In the fourth year, coverage for basic and major services further increases to 60%. Notably, orthodontic services are also included in the Summit Plan’s coverage.
On the other hand, the Ridge Plan provides initial coverage of 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, the Ridge Plan offers coverage of 70% for diagnostic services and 40% for basic and major services. By the fourth year, coverage for diagnostic services reaches 80%, while coverage for basic and major services reaches 50%.
For our focus on finding dental insurance plans with no waiting periods, the Ridge Plan stands out. With a maximum benefit of up to $2,500, this plan eliminates waiting periods for all treatments. Although the coverage percentage may be lower compared to the Summit Plan, it offers immediate coverage for major services, making it a favorable choice for immediate dental care needs.
Let’s highlight the key features of the Ridge Plan:
Preventive services:
- 1 oral exam every 6 months
- 4 cleanings per year
Basic restorative services:
- Sealants once every 3 years for children under 14
- Fillings
- Simple extractions
- 1 panoramic x-ray every 3 years
Major restorative services:
- Inlays, onlays, and crowns
- Bridges and dentures
- Veneers
- Endosteal implants
In summary, Denali Dental’s Ridge Plan offers unmatched coverage for preventive, basic, and major dental services with no waiting periods. By prioritizing preventive care, Denali Dental ensures comprehensive dental coverage for individuals seeking immediate treatment without delays.
UnitedHealthcare: Optimal Coverage for Major Services
UnitedHealthcare presents four dental Premier plans: Premier Choice, Premier Elite, Premier Plus, and Premier Max. Among these plans, Premier Choice stands out as the ideal choice for coverage of major dental services, featuring immediate coverage without any waiting period.
The Premier Choice plan offers a lower premium while providing comprehensive coverage for preventive care, basic services, and major services. It also includes in-network discounts for preventive care, further enhancing its cost-effectiveness.
For those seeking increased coverage for major services, the Premier Elite plan offers a higher premium. Like the Choice plan, it does not impose a waiting period for preventive care or basic services. However, a 6-month waiting period applies specifically to major services.
UnitedHealthcare’s Premier Plus plan extends its coverage to include orthodontic care for dependents and dental implants. On the other hand, the Premier Max plan boasts an annual maximum benefit of $3,000. While there is no waiting period or deductible for preventive care under the Premier Max plan, a 12-month waiting period is in place for major services.
Now, let’s explore the highlights of the Premier Choice plan, which offers immediate coverage without any waiting period:
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
- Emergency treatment
Major restorative services:
- 1 deep cleaning every 3 years
- 1 crown per tooth every 7 years
- Wisdom tooth extraction
- Dentures every 7 years
- Bridges every 7 years
Enrollment for these plans can be conveniently done through dentalinsurance.com. By entering basic information, you can easily search for dental plans with no waiting periods. Simply click on the plan details of any specific plan, and if there is no waiting period, it will be clearly indicated at the top of the details page.
UnitedHealthcare’s Premier Choice plan offers exceptional coverage for major dental services, making it an excellent option for individuals seeking immediate access to comprehensive dental care without waiting periods.
Summary of dental plans with no waiting period
Fortunately, numerous dental insurance plans offer coverage without a waiting period. While most plans immediately cover preventive services, some plans also eliminate waiting periods for major restorative services.
Additionally, certain plans waive waiting periods for major services if you have maintained dental insurance with another provider for a continuous period of 12 months before transitioning to the new plan. This flexibility allows individuals to access the dental care they need without unnecessary delays.
Conclusion
In conclusion, finding dental insurance plans with no waiting period is possible and can provide immediate coverage for preventive and major restorative services. Companies like Humana, NCD, Cigna, Denali Dental, and UnitedHealthcare offer various plans that cater to different needs and budgets. By exploring the options available, individuals can find the best dental insurance plan that suits their oral health requirements without having to wait for coverage to begin. It’s important to carefully review the plan details, including coverage limits, deductibles, and provider networks, to make an informed decision. With dental insurance plans that eliminate waiting periods, individuals can receive timely dental treatment and maintain good oral health.
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