Need a Root Canal? Dental Insurance With No Waiting Period

If you enroll in a dental insurance policy that includes waiting periods, you may be waiting 6 to 12 months to receive coverage for major services. If you are in urgent need of a root canal, you can reduce your out-of-pocket expenses by buying dental insurance with no waiting period.

After enrolling in a dental plan, most individuals expect swift coverage for all their dental needs. However, many dental plans require a waiting before they cover certain services. This frequently applies to complicated, major dental services including root canals, crowns, and oral surgery. If you are in need of a root canal, obtain dental insurance with no waiting period so that you can receive coverage and reduce your out-of-pocket expenses.

Why Should I Buy Dental Insurance With No Waiting Period for My Root Canal?

If you purchase dental insurance with waiting periods and obtain a major dental service prior to the completion of the waiting period, you will be responsible for 100% of the bill. Plans with no waiting periods activate quickly, greatly decreasing your out-of-pocket expenses.

How Much Does It Cover?

For root canals, dental insurance with no waiting period can provide benefits in different ways:

• Plans may pay up to a specific dollar amount for each covered service. The total cost of a root canal typically ranges from $500 to $1,400. Plans such as these leave the member to pay about $175 to $390 of the total root canal cost.
• Plans may pay a fixed percentage of the service, which increases for each year on the plan. For a major service such as a root canal, this kind of plan often covers 20% of the service during year one, 30% of the service in year two, and 50% of the service in year three.1

Find Dental Insurance With No Waiting Period for Your Root Canal

If you would like guidance when shopping for a dental plan, visit HealthMarkets or call (800) 360-1402 at any time. One of our skilled health insurance agents can assist you free of charge.

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¹Percentages and dollar amounts may differ according to the plan.

Sources

http://www.animated-teeth.com/root_canal/t8_root_canal_cost.htm