2017 RANKING & REVIEWS
TOP RANKING DENTAL INSURANCE WITH NO WAITING PERIOD
Introduction: The Best Full Coverage Dental Insurance with No Waiting Period
When most of us start to feel a sharp pain in our mouth, we immediately begin to think about the cost of fixing whatever might be wrong with our teeth.
Dental care can be one of the most expensive and budget-breaking costs out there. Many people simply avoid getting full coverage dental plans hoping that if they brush their teeth and floss regularly, they can avoid any major expense.
In the event that you do need major dental work done on your teeth, however, it is likely to cost you a pretty penny out of pocket if you don’t have any sort of dental insurance coverage. Getting dental insurance with no waiting period is important if you are trying to cover expensive dental work that you need done in the short term.
Award Emblem: Top 7 Best Sites for Dental Insurance with No Waiting Period
In this brief article, AdvisoryHQ will review the best providers of immediate dental insurance.
We will begin by explaining what dental insurance with no waiting period is before offering a comparative table of the best dental insurance with no waiting period.
In our FAQ section we will look at why it is important to get dental insurance no waiting period as well as what features to look for in supplemental dental insurance with no waiting period. Finally, we offer a complete review of the six top providers of dental insurance with no waiting.
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What Is Full Coverage Dental Insurance?
If you have been ignoring that steady tooth pain for several months, chances are that instead of it going away, it will only get worse and eventually lead to a rather serious dental issue. Cavities, when not treated, eat away at the enamel on your teeth slowly and steadily until they reach the root.
Once they’ve reached the root, the only solution is a full-blown root canal that will then be capped off with a crown. Even for one root canal and a crown, you’re looking at spending upwards of two to three thousand dollars if you don’t have full coverage dental insurance.
Imagine a young single mother of two children who is self-employed. After weeks of enduring an annoying tooth pain, she goes to the dentist to find out that she needs three root canals and two crowns. Without any sort of employer-paid dental insurance coverage, her bill would come out to close to $10,000.
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In an attempt to cover a part of the expense, she decides to sign up for full coverage dental insurance.
When she goes to her dentist to get the work done on her teeth, however, she is warned that she doesn’t have immediate dental insurance and that her full coverage dental insurance won’t go into effect for another six months.
Many dental insurance coverage plans come with long waiting periods. This strategy used by insurance companies is to try to dissuade people from only signing up for full coverage dental insurance for a couple of months while they get the dental work that they need.
Since many people will only get the dental work they need done and then immediately drop their coverage and stop paying their premiums, insurance companies put a waiting period on when you can start to use the coverage you are paying for.
Luckily, there are a number of insurance providers out there that do offer dental insurance no waiting period. While not everyone may be eligible for full coverage dental plans that offer immediate dental insurance, there are a number of ways to skirt the time restrictions that come with most full coverage dental plans.
AdvisoryHQ’s List of the Top 6 Immediate Dental Insurance
List is sorted alphabetically (click any dental insurance name below to go directly to the detailed review section for each company):
Top 6 Best Full Coverage Dental Insurance with No Waiting Period | Brief Comparison & Ranking
Full Coverage Dental Insurance with No Waiting Period Names | What is Covered as Immediate Dental Insurance? | Waiting period for large procedures | Other Considerations |
| Cigna | X-rays, cleanings | 6 months | Waiting period can be waived if you had previous insurance |
| Delta Dental | X-rays, cleanings, exams | 6 months for fillings | Up to 24-month waiting period for root canals and crowns |
| Denali Dental | Cleanings, exams | Depends on state where you live | Coverage options depend by state |
| Humana | All procedures | None | Coverage is low at first, but increases over the years you are covered |
| Physicians Mutual | Basic procedures like fillings and X-rays | 3 months for fillings | Only 12-month waiting period for major oral surgery |
| Spirit Dental | All procedures | None, in some cases | Coverage varies widely by state |
Table: Top 6 Full Coverage Dental Insurance with No Waiting Period | Above list is sorted alphabetically
Why Do You Need Dental Insurance No Waiting Period?
It is virtually impossible to put off needed dental work, especially once pain sets in. The constant, pounding pain of a cavity that has reached to the root is enough to drive you crazy. If you don’t have the money to get the work you need done, however, there may be few options out there for you.
It is possible to find dental insurance with no waiting period, though there will usually be some sort of restrictions or limitations on what type of dental work you can immediately get done.
Even if you sign up for one of the best full coverage dental insurance with no waiting period, you still probably won’t be able to waltz into the dentist office the day after your first premium and have several root canals free of charge.
Below we offer a few hints and clues about how you might be able to find dental insurance with no waiting period.
Sign up for group dental insurance with no waiting period:
Employer-provided full coverage dental plans usually offer immediate dental insurance to their employees. Since this type of coverage is a group plan, it can offer dental insurance with no waiting.
If you don’t have an employer that offers a group plan, you could try and find another group plan to sign up for.
The AARP and Veterans groups are two such group plans for senior citizens that have no waiting period for preventative dental work and other types of procedures.
Preferred Provider Organization (PPO):
Another strategy to search for full coverage dental insurance with no waiting period is through a preferred provider organization. A PPO is a dentist that is within the network of a certain insurance agency that is offering immediate dental insurance.
If you agree to visit their preferred provider instead of your long-time family dentist, chances are that you might be eligible for dental insurance with no waiting period.
Coming off of another dental plan:
If you had dental insurance coverage with another provider, whether it was through an employer or private plan, you might be able to apply for full coverage dental insurance with no waiting period or supplemental dental insurance with no waiting period.
By showing that you were recently covered by another plan, you can make your case to the insurance company that you are not simply trying to cheat the system.
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What to Look for in Full-Coverage Dental Plans
When looking for the best full-coverage dental insurance with no waiting period, it’s important to take into account three main things that we explain below.
If your insurance company offers dental insurance with no waiting period, what type of dental work does it cover? Many immediate dental insurance plans only cover preventative procedures such as a routine cleaning.
Even if it is billed as a dental insurance with no waiting period, there may be a short amount of time that you’re required to wait. It is much preferable waiting for only two months instead of a year or more, but it’s important to ask and find out.
Does your insurance allow you to visit discount dental plans? While these types of plans aren’t technically insurance, they do offer discounted prices for dental work and will offer you dental insurance with no waiting.
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Detailed Review—Top Ranking Immediate Dental Insurance
Below, please find the detailed review of each dental insurance coverage. We have highlighted some of the factors that allowed each full-coverage dental insurance to score so high in our selection ranking.
Cigna Review
Cigna Dental offers quality dental insurance with no waiting period. They have a network of dentist who will cover 100% of your expenses for X-rays and basic cleaning. There is also no deductible for those two basic services with the Cigna 1500 Plan.
If you need more serious dental work, you will have to wait up to six months, but that period can be waived if you can show proof of recent previous dental insurance.
Delta Dental Review
Delta Dental is another provider of immediate dental insurance. With Delta Dental you can benefit from an extensive list of preferred partner organizations. There is absolutely no waiting period for X-rays, cleanings, and exams, while you will have to wait for six months for basic fillings.
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Denali Dental Review
Another provider of full coverage dental insurance with no waiting period is Denali Dental. There is a large range of coverage based on the type of premium that you pay, and the immediate dental insurance you apply depends on the state where you live.
Humana Review
Humana also offers quality full coverage dental insurance with no waiting period. There is a wide array of different services provided by Humana.
You might be able to apply for the HumanaOne Dental Loyalty Plus plan, which offers dental insurance with no waiting period. The coverage amounts are limited during the first year, but gradually increase as you stay connected to the plan.
Image Source: Humana
Physicians Mutual Review
Physicians Mutual also offers quality supplemental dental insurance with no waiting period. With this provider, you will have absolutely no waiting period for preventative care and will only have a three-month waiting period for certain procedures such as fillings. The 12-month waiting period for major oral procedures is short compared to other providers.
Image Source: Physicians Mutual
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Spirit Dental Review
Lastly, Spirit Dental is another provider of dental insurance with no waiting. With Spirit Dental, you can benefit from immediate dental insurance coverage for almost all types of procedure. There are strict requirements for who can apply, and coverage varies widely by state.
Conclusion—Dental Insurance with No Waiting Period for Better Oral Health
Instead of waiting until you can’t sleep at night because of that gnawing tooth pain, it’s preferable to start searching for immediate dental insurance right now.
You never know when an unexpected dental emergency might hit you, and having full coverage dental insurance with no waiting period protecting you will definitely offer peace of mind.
While it can be hard to find full coverage dental insurance with no waiting period, there are a number of providers that offer immediate dental insurance for people who fit into certain categories and situations.
Whether you choose Cigna, Delta Dental, Denali Dental, Humana, Physicians Mutual, Spirit Dental, or any other company that offers some form of dental insurance with no waiting period you should be able to rest assured in the knowledge that you’ll be covered for any major dental work that you need done.
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.
Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
