Not happy with how much you are paying out-of-pocket at the dentist? Try supplemental dental insurance with no waiting period1. Supplemental dental insurance can lower your bill the next time you visit the dentist for an exam, cleaning, or root canal.
The Inside Scoop on Dental Insurance Waiting Periods
When signing up for a dental plan, be sure to read the fine print regarding waiting periods. Waiting periods can have a major impact on your out-of-pocket expense the next time you visit the dentist. If your plan requires waiting periods, receiving a service before the waiting period has passed will force you to cover 100% of the bill.
Routine preventive services such as oral exams, cleanings, and x-rays typically require no waiting period, but more major dental work such as dentures and root canals may require a waiting period. Insurers attach waiting periods in order to encourage enrollees to visit the dentist regularly for check ups and cleanings because every dollar spent in preventive oral care can save $8 to $50 dollars in restorative and emergency treatments.2
The Advantages of Supplemental Dental Insurance With No Waiting Period
To determine if you need a plan with no waiting period, think about the dental services you may need in the upcoming year. If you do not foresee major dental restorations or orthodontics, a plan with a waiting period may meet your needs. However, supplemental dental insurance with no waiting period is very beneficial when faced with mounting dental bills. Some of the benefits of enrolling in a plan with no waiting period are:
- No future surprises at the payment counter. You can rest easy knowing that you have rapid coverage for even your more complex dental procedures.
- You do not have to wait to receive major dental work. Find quick relief from pain and discomfort by obtaining treatment as soon as you need it.
- Carrying dental insurance helps get you to the dentist on a regular basis. Attending regular exams, cleanings, and diagnostic tests such as x-rays can allow your dentist to catch problems early before they require more costly and time-consuming treatment.
Determining which supplemental dental insurance with no waiting period can help save you money and meet your oral health needs may seem like a daunting task. At HealthMarkets, you may call upon one of the thousands of knowledgeable agents nationwide. Call us at (800) 642-0607 and we’ll help get you covered.