No-Waiting-Phase Dental Insurance Plans

Susan Kelly Updated on Jul 14, 2022

It's possible to acquire coverage for preventative, essential, and significant services—and occasionally even orthodontics—without waiting a day. If you've been putting off dental treatment because of the expense or if you have an extensive dental operation coming up, one of these plans is perfect for you.

Monthly rates are low, and yearly coverage limits are high, with a wide range of dentists to pick from among the most exemplary no-waiting-period dental insurance policies. You may start taking advantage of the beautiful perks as soon as you begin coverage with these policies, which we combed the market for and identified seven.

What Is The Dental Plan Waiting Period?

Some or all of your dental treatments may not be covered for a specific time after signing up for a new dental plan. Depending on your unique project, there is a wide range of waiting periods, from 30 days to more than a year.

Basic dental procedures typically have a shorter waiting period than significant procedures. Preventive treatment is often included without a waiting time in most plans. This category falls under routine cleanings, examinations, X-rays, and fluoride treatments.

Why Are There Waiting Periods In Dental Plans?

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To prevent customers from signing up for a plan, receiving coverage for an essential service, then canceling their policy, waiting periods are implemented. Furthermore, insurance firms believe that waiting period regulations keep rates cheaper for all policyholders because of their impact on this.

How To Select The Most Satisfactory No-Waiting-Period Dental Insurance

No-waiting-period dental plans are available from a variety of insurers. However, you must still exercise caution when selecting a project. Some only cover preventative and primary care and exclude coverage for effective procedures. That means that you don't have to wait to get the substantial treatment done if you need it, but it also means that you're responsible for paying for it yourself because the care isn't covered.

2022's Best Dental Insurance Plans Without Waiting Period

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Four of Humana's seven dental plans have no waiting periods, and the available selections and benefits are some of the finest in the market. A PPO plan, an HMO, or a dental discount plan with some of the lowest prices we could locate from any provider are all options for those who need coverage quickly.

Individual Preventive Value and Dental Loyalty Plus plan from Humana provides PPO coverage, and we received fair quotes. In contrast to Dental Loyalty Plus, Preventative Value Individual is aimed at people who require preventive and primary procedures. Preventive care is covered at 100% under both plans.

Denali Dental

We at Denali Dental have no-wait plans that include four cleanings yearly, which is more than any other dental provider. Depending on where you reside, the two options, Ridge and Summit, might be more or less expensive. Get a price for Denali Dental's services by visiting their website now.

In contrast to other insurers, which reset their deductibles yearly, each plan has an honored lifetime deductible of $100 to $200. Additionally, Denali Dental decreases your coinsurance payments and increases your yearly maximums each year that you remain a customer so that by the fourth year of coverage, your benefits are at their maximum value.


Fillings are necessary for most people, even if they practice good oral hygiene and get regular preventative treatment. For those who don't have time to wait six months or a year for their insurance to kick in, we recommend UnitedHealthcare. There is no waiting time in seven of the ten dental plans offered by the provider for preventive and primary care.

Dental insurance from UnitedHealthcare comes in a variety of flavors. Primary services are often covered, but only after a six-month wait. One plan does cover orthodontics, but coverage doesn't begin until 12 months after the policy's effective start date.

Rates for primary and preventative care are competitive. For most plans, you'll typically pay 50% of basic service expenses in the first year, 35% in the second year, and 20% in the third year.

The Spirit Dental

The thought of significant dental operations like crowns, implants, and procedures that need anesthesia terrifies most people. However, insurance coverage covering these costly procedures might give some financial piece of mind when the need arises.

On Spirit's website, you may instantly acquire a quotation to see how much your premiums would be. Each plan includes a single $100 lifetime deductible per person, while the yearly maximums range from $750 to $5,000 for the various policies. Although out-of-network coverage costs more each month, you can go with a plan that is in-network.

For the first year, the policy only covers 10% to 25% of the cost of these operations, which rises to 50% to 65% in the third year of coverage. Despite this, there is no waiting period for significant services.