Dental insurance is one of the wisest investments you can make when it comes to protecting your smile’s health and beauty—but many patients are confused by their plan and unsure about what’s covered, what isn’t covered, and when they have access to their dental care. Although it may seem strange, dental insurance waiting periods are a very common part of many plans, and ultimately, they still allow you to get the care you need! Here’s what you need to know.
A Breakdown of Waiting Periods
Dental insurance waiting periods are used by insurance companies to prevent patients from enrolling and using their plan only when they need immediate dental care. This helps to keep the cost of care and premiums down for everyone, while also promoting consistent care.
Many plans cover preventive services, such as exams, cleanings, and X-rays, right away, since these are low-cost to begin with and help to prevent costly treatments. But things like fillings or simple extractions may have a waiting period of a few months, and major services often require longer waiting periods that can last even up to six months.
Are There Any Exceptions?
Generally speaking, dental insurance waiting periods begin on the effective date of your policy; however, you and your loved ones can still receive the necessary dental care you need during this time! That said, your insurance company may not provide help until the duration of the waiting period has expired. Some exceptions for which this waiting period may be waived include:
- You’re able to continue coverage with the same insurer after changing employers.
- You choose to roll off your employer-provided plan in favor of an individual policy with the same insurance company.
- You’re changing insurers without a lapse or break in your coverage.
The bottom line is, staying informed when it comes to your dental insurance coverage allows you to carefully plan and budget for all of your family’s dental needs, year in and year out. If you ever have questions about your plan, your dental team would be happy to review it with you!
About the Author
Dr. Sally Alkamary received her dental degree from the New York University College of Dentistry, where she graduated with honors and is now a Clinical Associate Professor! She is also a proud member of numerous professional organizations, including the American Dental Association. She is also a Fellow of the International Congress of Oral Implantologists. Her offices in Springfield and Neptune offer a wide range of dental services and are insurance-friendly; to learn more or schedule an appointment, call or reach out online today. Telephone: (973) 912-9091.