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You can still go to the dentist during a waiting period, but your dental insurance policy won’t cover the parts of care that have a waiting period. For instance, preventive care, such as exams and cleanings, is often covered without a waiting period, so those services will likely be covered. But you will have to pick up the costs of other types of care if you’re within the waiting period for those services.
Everyone is eligible to get dental insurance without waiting periods. The bigger challenge is finding a policy without a waiting period if you need major dental care.
There can be trade-offs with dental insurance with no waiting periods, such as higher costs. For example, the insurance company may charge higher rates of coinsurance (your out-of-pocket costs after your deductible is paid) for various services. The insurer may institute graduated dental benefits, too, such as only covering basic treatment up to 25% in the first 12 months versus 50% in year number two. Read the policy to make sure you understand the benefits and limitations.
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Deputy Editor, InsuranceLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before covering insurance, Les was a news editor and reporter for Patch and Community Newspaper Company and also covered health care, mortgages, credit cards and personal loans for multiple websites.
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