It seems like we’re constantly getting requests for dental plans with no waiting period. This is because many people have issues that need to be resolved right now, and traditional dental insurance doesn’t cover pre-existing conditions right away.
Dental insurance is just like any other type of insurance you can buy, whether it’s your homeowners insurance, auto insurance, etc. Think about it for a moment. When you buy car insurance, the agent comes out and visually inspects your vehicle for any previous damage. The reason for this is that the insurance company does not want to have to pay for anything that was already there. Doesn’t this make complete sense? I know it’s not exactly what we wanted to hear, but the idea behind buying insurance is to make sure we’re covered in case something happens in the future. Well, dental insurance works the same way and that’s why it’s not a good deal anymore.
Most dental insurance plans require a waiting period of between six and 12 months before you can be seen for any condition you had at the time you purchased the insurance. This means that if you need a bridge right now, a tooth extraction right now, need dentures right away, or any other obvious dental problem, then you will have to pay out of pocket until the waiting period ends.
However, you can get dental plans with no waiting period. These plans are called dental discount plans. They are very affordable and you can be seen within one to three business days of joining the network. These are not dental insurance, nor do they pay for 100% of your dental procedures; however, you can save 10-60% on your dental costs by being a member of one of these plans. It works like this. You become a member of the plan, receive your membership card, make an appointment with a network dentist in your area, and receive a substantial discount at the time of your visit. However, you must pay in cash or with a credit card for the entire procedure that you have carried out at the time of your visit.
The savings can be lucrative. In some cases, you can save more than 50% on $1,200 equipment. The only requirement is that you pay the discounted rate in full at the time of your visit.
If you have teeth that are bothering you now, I highly recommend you check out these dental discount plans. Here’s how you can get dental plans and no waiting period.