Question: What Does 12 Month Waiting Period Mean For Dental?

A benefit waiting period is the amount of time before you are eligible to receive benefits for all or certain dental treatments.

Say for instance your new dental plan has a 12-month waiting period for major services and your dentist informs you that you need a crown.

How long is the waiting period for dental insurance?

Your dental insurance plan likely categorizes coverages in three groups: Basic: Basic procedures may have a three to 6 month waiting period, and “Major” procedures may have a 6 month to ​a 1-year waiting period. Preventative: Preventative procedures may not have any waiting period.

Can I get dental insurance if I need work done?

There’s no question that dental work is expensive—especially when you need to have major work done. If you’re not covered through your job, you may have to purchase it on your own. However, purchased individually, dental insurance can be a waste of money if your plan doesn’t match your needs.

What dental plans have no waiting period?

Type III services (major procedures, including crowns and dentures) have a 12-to-24–month waiting period and are covered at 30%. 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.

Do all dental plans have a waiting period?

Every dental plan is different, but typically, there are no waiting periods for diagnostic and preventive services such as cleanings and exams. So after your plan’s effective date, your benefits will normally cover preventive dental care.

Does Delta Dental have a waiting period?

Some services, such as fillings, crowns or bridges, may have a waiting period. If you’ve had dental coverage within 60 days of enrolling in an individual plan and are a resident of AZ, CO, CT, ME, NH, NJ, VT, VA, WA or WI, waiting periods could be waived. However, you may be required to provide proof of prior coverage.

Can I have 2 dental insurances?

When you are covered by two dental plans this is called “dual coverage.” This does not “double” your coverage. However, it may reduce your out-of-pocket costs. Dual coverage works the same way whether you are covered by two Delta Dental plans or by Delta Dental and another insurance company.

How do I get dental work done for free?

State and Local Resources

Your state or local health department may know of programs in your area that offer free or reduced-cost dental care. Call your local or state health department to learn more about their financial assistance programs. Check your local telephone book for the number to call.

Do any dentists take payment plans?

Dental payment plans give patients wiggle room when it comes to their financial options. From dental insurance questions of coverage to multiple dental procedures, there are all kinds of reasons you may be asking your dentist if they offer a payment plan structure.

Can I sign up for dental insurance anytime?

You can buy a dental plan through the federal Marketplace only when you enroll in a health plan at the same time. If you’re already enrolled in a Marketplace plan, you can’t add on dental coverage. If you qualify for a Special Enrollment Period, you can get dental coverage when you change health plans.