No Waiting Period Dental Insurance: A Survey Of Existing Sources
Where Can I Find No Waiting Period Dental Insurance?
No waiting period dental insurance for the individual or family is much sought after, but rare to find. The idea that you could join a dental plan, pay a small deductible and a payment or two and get thousands of dollars of much needed dental treatment is what most individuals and families desire. But does it exist, even within the best dental insurance plan? The answer(s): Yes and no. (Continued After Table...)
|DIAGNOSTIC||D0120 Periodic oral evaluation||$33||National Sample||NA|
|DIAGNOSTIC||D0150 Comprehensive oral evaluation||$53||National Sample||NA|
|DIAGNOSTIC||D0274 X-Ray: Bitewings-4 films||$49||National Sample||NA|
|PREVENTIVE||D1110 Prophylaxis-adult||$58||National Sample||NA|
|RESTORATIVE||D2140 Amalgam filling-1 surface, primary or permanent||$88||National Sample||NA|
|RESTORATIVE||D2330 Resin-based filling composite 1 surface, anterior||$108||National Sample||NA|
|RESTORATIVE||D2750 Crown-porcelain fused to high noble metal||$760||National Sample||NA|
|ENDODONTICS||D3330 Molar (excluding final restoration)||$780||National Sample||NA|
|PERIODONTICS||D4341 Periodontal scaling and root planing, 4 or more teeth, per quad.||$181||National Sample||NA|
|PROSTHODONTICS||D5110 Complete denture-maxillary||$850||National Sample||NA|
Within group or employer paid plans, considered by many to be "good dental insurance," there are immediate coverage dental plans. Typically the employee must bear at least some of the cost of dental insurance, but treatment can start - and be paid for - immediately. While not exactly the same coverages, some associations like chambers of commerce or professional associations can provide no waiting period dental insurance as well. Similar coverage for an individual health and dental insurance program is more elusive. As usual, the devil is in the details.
Most individual dental insurance does have a waiting period, for some procedures. Usually the no waiting period dental insurance is for diagnostic and preventative procedures, specifically exams, xrays and cleanings. What typically carries a waiting period are restorative dental procedures including crowns, onlays, fillings and even dentures. Most of the time, this waiting period is a minimum of six months. Added to this is the deductibles (50 to 100) and co payments (usually 50%) plus a yearly maximum (often a thousand dollars) and a monthly payment of 70 dollars means the amount paid in equals the amount received. More importantly, the waiting period prevents any immediate treatment, the goal of getting "no waiting period dental insurance" in the first place.
This scenario may not be universal. There are companies like Spirit Dental, which on the surface seems to provide an immediate treatment path, in effect a "no waiting period" dental insurance option.
However, upon closer reading of their application, their first year payment is limited to a maximum of 15% of fee asked for by the dentist. In addition, they require a pre-treatment review for any procuredure over $300. The application form implies there may be other provisions in the actual contract, so the promise of immediate treatment may be tempered. They do list some individual no waiting period dental insurance options, but these are low cost preventative and diagnostic services (exams, xrays, cleanings, space maintainers, flouride treatments, sealants). So looking at no waiting period dental insurance providers like this one and others that can be searched for may yield some immediate treatment options, but many times not the ones needed such as cavity treatments, root canals, crowns, etc.
When evaluating any of these plans, be sure to check the minimum amount of time you need to be enrolled. It's hard to believe a dental insurance provider with no waiting periods would allow someone to drop the coverage without paying a sufficient amount in to cover treatment claims.
Also, as with any good dental insurance or dental discount program, is to find a plan with enough participating dentists from which to choose. If none of these are options, then other approaches such as negotiating dental discount plans, direct negotiation with your dentist, dental schools, neighborhood health clinics or foreign dental clinics may be an alternative to maintaining a low cost of dental insurance.