Even those with perfect oral care can experience unexpected tooth aches and pains. The term “full coverage dental insurance” refers to the plan’s ability to cover a variety of different dental treatments and procedures. It is not meant to imply total coverage. Having full coverage dental insurance and a supplemental dental plan can protect your teeth and your wallet from unforeseen circumstances. However, dental insurance works a little differently than other insurance types.
One of the most important terms to understand when searching for a plan is the dental insurance waiting period. The length of the waiting period directly impacts how much money you will have to spend on treatments before benefits kick in. They range from year-long durations to dental insurance plans with no waiting period.
Looking for little to no-wait dental insurance can help minimize the fees you may have to pay out of pocket. We recommend you speak to an insurance agent to clarify the terms in each plan.
Dental insurance waiting periods are not necessarily a bad thing. They can help forecast costs for you and the insurance company wisely. Usually, you and your provider have a mutual interest in keeping premiums down. However, sometimes patients undergo expensive procedures and halt coverage soon after, impacting costs for everyone.
The dental insurance waiting period serves to keep costs down for all customers. If you visit the dentist before your waiting period is over, you may face substantial costs. Searching for dental insurance without a waiting period, or a short waiting period, can help prevent this situation from occurring.
It’s also important to note that some procedures within your dental insurance plan have no waiting period, while other treatments do. We recommend visiting the plan’s schedule to see if it makes sense for your needs.
For example, it may be difficult to find dental insurance with no waiting period for dentures. On the other hand, introductory treatments like x-rays, topical fluoride, and periodontal evaluations may not face a waiting period.
There are a few crucial factors to consider when searching for the best dental insurance with no waiting period. We recommend you decide whether there are certain treatments that you’d be willing to wait for compared to treatments you will need regularly. While it may be challenging to find dental insurance for braces with no waiting period, you may be able receive that treatment a couple months down the road.
While full coverage dental insurance with no waiting period is less common, you can still get some priority treatments without a wait and get more invasive treatments in 3-6 months, depending on your plan’s schedule.
We recommend you take a close look at the dental insurance waiting periods and maximum amounts your plan will pay. It is more common for PPO dental insurance to have no waiting period compared to HMO’s. However, waiting periods can vary depending on the company. These factors will help determine which dental plan is best for you.
At Aflac, we’ll work with you so you can get the treatments you need on a timeline that works. Our network dental insurance and employer-provided dental insurance have no waiting period for any services for most plans and our supplemental dental insurance has little to no waiting period, depending on the treatments you are seeking.
Our dental plans are affordable and thorough. We recommend you chat with an agent about your oral hygiene and coverage goals to see what makes the most sense.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
Aflac dental insurance coverage from the 2020 pilot launch is underwritten by National Guardian Life Insurance Company (NGL). National Guardian Life Insurance Company is not a member of the Aflac family of insurers. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a/k/a The Guardian or Guardian Life. Aflac dental products may not be available in all states. National Guardian Life Insurance Company | Madison, WI.
For all states that have approved the Aflac dental insurance products, coverage will be underwritten by Aflac. In New York, coverage will be underwritten by Aflac New York.
Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999.
Please see coverage documentation applicable to your situs state for further details.
Notice to Consumer: This is a limited benefit plan and provides dental benefits only. Aflac’s contracts of insurance, including Aflac’s network dental and vision plans, provide limited-scope and/or supplemental benefits only and do not constitute comprehensive health insurance coverage. Aflac’s contracts of insurance do not satisfy the requirement of minimum essential coverage under the Patient Protection and Affordable Care Act (ACA) and are not designed to meet any of the essential health benefit requirements mandated by the ACA or federal law, including pediatric oral or vision care services. Aflac’s contracts of insurance are not an alternative to, or a substitute for, comprehensive health insurance coverage and should only be used to supplement comprehensive health insurance coverage.
For Network Dental, applies to Policy Series QN81000. In Arkansas, policy form QN81100MAR. In Idaho, QN81100MID. In Oklahoma, policy form QN81100MOK. In Oregon, policy form QN81100MOR and QN81100MORS. In Pennsylvania, QN81100MPA. In Texas, policy form QN81100MTX.
Individual Supplemental Dental insurance coverage is underwritten by Aflac. Group Supplemental Dental insurance coverage is underwritten by Continental American Insurance Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For individual coverage in New York or coverage for groups sitused in New York, coverage is underwritten by Aflac New York. WWHQ | 1932 Wynnton Road | Columbus, GA 31999. Continental American Insurance Company | Columbia, South Carolina. Plans and availability vary by state.
For Group supplemental dental plans, policy series CAI1100. In Arkansas, Policy CAI1100AR. In Idaho, Policy CAI1101ID, In New York, Policy AF1100NY. In Oklahoma, Policy CAI1100OK, In Oregon, Policy CAI1100 OR. In Pennsylvania, Policy CAI1100PA. In Texas, Policy CAI1100TX. In Virginia, Policy CAI1100VA.