Dental Insurance, How to Deal With Plan Waiting Periods
I just got dental insurance though my job but I found out that I have waiting period for everything except a dental cleaning. What do I do if I need more then just a cleaning? I have not been to the dentist is a year so it is possible. Then what does my dental insurance do for me? I do not get why I have any waiting periods. Seems stupid that I can not have my dental work done.
Reply: It is very common for PPO to have waiting periods. Sometimes in group plans that you get from work they can be waved if the plan has been with the company for a long period of time.
It is up to you to read and understand the plan terms. Waiting periods are then so that the insurance company will have premium on the books to pay for claims made. That is the short reason for waiting periods at least.
If you are currently being effected by the plans waiting periods you may want to looking into buying a dental HMO insurance plan on your own in the mean time. HMO dental insurance plans are low cost affordable plans that typically do not have waiting periods. Review our HMO insurance options just entering your zip code in the quote box provided above.
