You know that seeing your dentist regularly is a crucial part of maintaining a healthy smile. What you might not know is that dental treatments aren’t covered under most health insurance plans. A comprehensive dental insurance plan can help you get the treatments you need fast. Let’s take a look at a few of the best options you have for dental insurance with no waiting period.
The Best Dental Insurance No Waiting Period:
- Best Overall for No Wait: Smart Health Dental
- Cheapest for No Wait: Dentalinsurance.com
- Best for Switching Between Insurers: Cigna
- Best for No Deductible Plans: Physicians Mutual
- Best for Comparing Plans: DentalPlans.com
- The Best Dental Insurance No Waiting Period:
- Types of Dental Coverage
- Average Cost of Dental Insurance with No Waiting Period
- How to Get Dental Insurance with No Waiting Period
- What to Look for in a Dental Insurance Provider
- Best Dental Insurance No Waiting Period Providers
- Protect Yourself and Your Smile
- Frequently Asked Questions
Types of Dental Coverage
The first decision you’ll need to make when you shop for dental insurance is the type of plan you want. There are a few different types of dental insurance — the difference between plans typically has to do with which dental service providers you can see on your network. Let’s take a look at a few of the different types of dental insurance plans you’ll see when you shop.
- Dental health maintenance organization (DHMO): DHMO plans work a lot like HMO health insurance plans. When you sign onto a DHMO plan, you’ll receive a list of dental health care providers that accept your insurance. You’ll need to see a dentist within your plan’s network if you want to use your insurance. You can’t use your insurance if you go outside of your network. DHMOs are typically the most affordable dental insurance you’ll find.
- Preferred provider organization (PPO): Unlike a DHMO plan, you can see any dentist you want on a PPO plan. You might be able to save money if you visit a dentist within your network, but you can elect to see any dentist for services and procedures. PPO plans typically cost more than DHMO plans — but might be worth the extra money if you have a dentist that you already enjoy seeing.
Occasionally, you might see a company that offers a dental benefits plan. These plans aren’t actually a type of insurance because they don’t actually pay for your care. Instead, as a member of your dental benefits plan, you get a set discount on any dental services you need. We won’t consider these companies in our review because they don’t cover any portion of your care costs.
Average Cost of Dental Insurance with No Waiting Period
Dental insurance with no waiting periods cost about the same as dental insurance with waiting periods. You can expect to pay about $30 to $45 a month for individual coverage. If you need a family plan, budget about $50 to $75 per month for coverage.
How to Get Dental Insurance with No Waiting Period
Many dental insurance plans now allow you to enroll in a plan online. The first step to finding dental insurance without a waiting period is to compare plan options and the wait on each tier.
Dental insurance plans classify treatments and services into different tiers based on how frequently you may need them as well as price. Most plans have 3 distinct tiers:
- Preventive: Preventive dental care includes services that you receive regularly to maintain great oral health. Cleanings and X-rays are 2 examples of preventive services. Many dental insurance plans offer preventive care with no waiting periods.
- Basic: Basic services include treatments for routine oral health issues. Cavity fillings and simple tooth extractions are 2 examples of basic services. Though a few dental insurance companies offer basic services without a waiting period, most insurance companies have a small waiting period before you can receive these services.
- Major: Major services are intensive and expensive treatments and procedures that correct major oral health issues. Denture creation and bridges are 2 examples of major services. Even the best dental insurance won’t allow you to receive a major service without some kind of waiting period. This waiting period may be as long as 12 months for major services.
Unlike health insurance providers, dental insurance providers don’t need to guarantee any kind of “essential benefits” on each of their plans. This means that the specific services that are covered under each plan can vary significantly. Be sure to compare both services covered and waiting periods before you choose a plan.
Once you find a few plans you’re interested in, get quotes from each company. Getting a quote online is simple — you can get a quote from most insurance companies in as little as a few minutes. Once you’ve compared waiting periods, prices and included services on each plan, sign up for an insurance package online.
What to Look for in a Dental Insurance Provider
How can you a dental insurance provider that’s 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 they’ll 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 plan’s 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 can’t use.
Best Dental Insurance No Waiting Period Providers
Now that you understand how dental insurance works, let’s take a look at a few dental insurance providers that offer plans without waiting periods. The following insurance providers offer preventive services with no waiting period.
1. Best Overall: Smart Health Dental
Smart Health Dental (SHD) offers multiple dental insurance and non-insurance plan options. It has an extensive national network of over 200,000 licensed dental providers.No waiting periods
There are no waiting periods, and you’ll find dental insurance plans with up to 100% coverage on preventive procedures.
Call for a free quote Monday through Friday from 9 a.m. to 5 p.m. EST.
2. Best for Affordable Coverage: Humana
Are you shopping on a budget? Be sure to get a quote from Humana. Humana is one of the most affordable dental insurance providers in the country, with preventive care plans available from just $18 a month. All Humana plans include no waiting period for preventive care — you can see your dentist the day you enroll.
Its Dental Loyalty PPO (available from just $35 a month) even has 0-day waiting periods for major services like root canals, crowns and dentures. Keep in mind that you won’t receive your full benefits until a year after your Dental Loyalty PPO plan goes into effect.
3. Best for Switching Between Insurers: Cigna
Do you already have dental insurance but don’t like your current insurance provider? You can switch to Cigna without sitting through another waiting period. Cigna’s Dental 1500 plan offers comprehensive benefits (like $0 preventive care and PPO coverage) at less than $35 a month.
If you can prove that you’ve had dental insurance for at least the last 12 months, you’ll have no waiting period — even for intensive services and large, expensive procedures. Its 1500 plan even includes coverage for a child’s orthodontics — a rare benefit for one of the most expensive dental care needs.
4. Best for No Deductible Plans: Physicians Mutual
Consider plan deductibles when you shop for insurance. If you choose a plan with a deductible that’s too high, you could end up with insurance that’s too expensive to actually use.
Physicians Mutual offers multiple tiers of dental insurance with no waiting periods for preventive care and no deductibles.
You can compare plans from Physicians Mutual in as little as 30 seconds and many plans are available for less than $30 a month. Plans also include reasonable 3-month waiting periods for basic procedures.
5. Best for Comparing Plans: DentalPlans.com
DentalPlans.com isn’t technically a dental insurance provider because it doesn’t service or offer any individual or family plans. Its easy-to-use comparison tool makes it simple to compare insurance options in your area. Simply enter your ZIP code, click a single button and you’ll see a wealth of information on plans available from competing providers and how much each option costs.
If you’re short on time and need to compare insurance options quickly, a visit to DentalPlans.com is a good move.
Protect Yourself and Your Smile
It can be easy to feel overwhelmed as you shop for dental insurance. Start by getting a few quotes from competing providers. Know all of your options and compare them side-by-side to ensure that you don’t end up overpaying for coverage.
Frequently Asked Questions
1) Q: How does dental insurance work?
A dental insurance plan charges a premium in exchange for covered benefits. Unlike health insurance plans, dental insurance plans usually have a cap on benefits, which means your plan may stop providing coverage once you reach the annual cap, often between 1k and 3K. Like other types of healthcare insurance, dental insurance focuses coverage on essential services, like cleanings, fillings, etc. Many plans don’t cover braces or elective cosmetic procedures. Get the cheapest premium here.
2) Q: Is dental coverage part of health insurance?
Some health insurance plans bundle dental coverage as well but, in many cases, dental insurance is a separate plan. Healthcare plans that are ACA-compliant are required to offer dental coverage to children but there is no requirement that adults have dental insurance coverage. Choosing a separate dental insurance plan can be a cost-saving step and helps make dental health costs more predictable. Check out our best providers for the cheapest rate.
3) Q: What kinds of dental insurance are available?
Your choices for dental insurance plans are similar to health insurance choices. You can choose from a dental HMO, which helps to keep premium costs low by keeping services within controlled network. Dental PPOs give more freedom to choose your dentist and care but cost more than HMO plans. A third option is called a dental indemnity plan, which pays a fixed amount or percentage for covered services. Compare quotes from our top providers for the best price.
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