Dental Insurance Plans No Waiting Period. Unlike dental insurance, there are no waiting periods required with a dental savings plan, this means that you are covered for any procedure from day one. Many insurance companies waive the requirement for a waiting period even for major, complex treatments, particularly to families, professionals and groups of 10 and over.
Covers routine cleanings for all covered persons and fluoride treatments for those under the age of 16 on the plan, often with no deductible or waiting period. A waiting period may leave you without certain assurances when you need it most. With spirit dental, all plans provide protection* as soon as the plan becomes active.
What is the “waiting period” for dental insurance?
Most dental insurance and plan companies have waiting periods that range from six months to twelve months, putting their members in a bad spot during emergencies. Knowing which procedures require a waiting period before you schedule a visit can help you prepare and avoid unexpected costs. Graded benefits mean that the plan pays a smaller percentage of the “allowed charges” during the early years of the policy. Dhmo plans commonly have waiting periods, whereas most dental discount plans usually do not.