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Dental Insurance with No Waiting Period

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.

Why Do Some Dental Insurance Plans Have Waiting Periods?

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.

Find the Best Dental Insurance with No 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.

Aflac Dental Insurance Plans with Little to No Waiting Period

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.

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