Dental Insurance No Waiting Period: The Best Solution

by

Chris Frost

Dental care is undeniably costly, and would even require one to shell out the extra big price if the situation desperately calls for it. Soon, the no waiting period phrase becomes as important as obtaining a dental insurance plan in the first place.

What exactly is a waiting period in the insurance field? A waiting period is a period of time within which plan holders of a dental insurance company will have to wait to be ‘covered’ before certain dental procedures can be paid for. This does not bode so well for most insurance participants since they could have already paid for what they need instead of just waiting.

To provide an alternative to these waiting periods, a dental insurance no waiting period version is created, giving participants the luxury of not being placed on hold for weeks and even months before they get what they need.

The first one on the list of dental insurance no waiting period is the direct reimbursement plan, which is the most costly of these wait-free dental plans. This plan requires the participant or insurance member to hand over their payment to the doctor up front. The coverage of this plan is normally employment based, and the employee is required to give their employers a copy of the bill they were given upon payment of any dental services or procedures they avail from the insurance plan.

Aside from its characteristic of having a no-waiting period clause, it is also the only dental insurance plan which also covers pre-existing dental conditions. The insured person is also not restricted to his choice of doctors.

Another dental plan with no waiting period are the dental discount plans which, while not providing as full a coverage as the previous one, are more preferred than direct reimbursement plans since it is less costly and is not employment based, providing a good alternative for seniors and self-employed individuals.

Dental insurance no waiting period plans both for maintenance and preventive dental care are available to most, but for restorative services, a waiting period usually is required. The following is one of the best dental insurance no waiting period, which is available to those who want to have dental plans without having to experience a waiting period

Generally, dental insurances which are made available through an employer have a high possibility of having a waiting period. The reason is because the insurer would be part of a group. However, not being an employee will not hinder one from becoming part of a group in dental insurance. Dental PPOs is short for dental preferred provider organization. This no waiting period dental insurance plan operates by making use of a provider in their network, making the plans economical and not too costly for those insured.

The other system, the discount dental plans, is a very cost-effective way of obtaining dental plans without the need to suffer waiting periods. However, this system would require the insured to select a dentist within their network, so those who would choose this system would first have to make sure there is a dentist nearby who is within the network.

The bottom line is that it is possible to obtain a dental insurance plan without the waiting periods and one which can cover even more services and procedures aside from the usual maintenance and dental cleaning. The most important thing to remember is to research well on which plan suits one s needs the most.

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Article Source:

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