What Is The Best Dental Insurance With No Waiting Period?

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What Is The Best Dental Insurance With No Waiting Period?

Finding dental insurance that offers benefits with no waiting period can seem daunting and complex. From understanding your individual needs to comparing different plans, the task of searching for the best dental insurance with no waiting period can be overwhelming. Luckily, there are several great options out there that offer coverage almost immediately and still provide comprehensive care at low costs.

In this article, we'll discuss what to look for when you're shopping around for dental insurance policies with no waiting periods. We'll cover the key features of a good policy and how different insurers may vary in their offerings so that you have everything you need to make an informed decision about which plan is right for you.

What Is Dental Insurance With No Waiting Period?

Dental insurance with no waiting period is a type of health plan that provides coverage for dental and oral health services with immediate effect. This means that policyholders can access the benefits they need without having to experience any delays or waiting periods before they can receive treatment. By doing away with waiting periods, this type of policy allows individuals to get the care they need right away, giving them peace of mind when it comes to their dental health.

Dental insurance with no waiting periods can be beneficial for anyone who needs to receive dental care quickly, or is expecting a large expense in the near future. This might include people who require major restorative work such as crowns and bridges, individuals who choose to invest in preventive care like cleanings and x-rays, or those with existing oral health conditions that require regular treatment. In all of these cases, having access to treatment without any waiting period can make a world of difference.

Why Do Dental Plans Have Waiting Periods?

Dental plans with waiting periods are designed to discourage policyholders from filing excessive or unnecessary claims. By forcing individuals to wait before they can access coverage, the provider protects itself from users who might otherwise take advantage of the system by filing multiple claims in a short timeframe. This type of insurance also allows providers to spread out the cost of providing services over time, making them more affordable in the long run and allowing employers to offer comprehensive coverage without skyrocketing premiums.

Do I Have To Pay More For Dental Insurance Plans With No Waiting Period?

Generally speaking, yes. Dental insurance plans with no waiting period often require higher premiums in order to cover the immediate costs associated with providing coverage. That said, for individuals who anticipate needing major work or ongoing treatment, this extra cost can be much less than the amount they would pay without any kind of insurance coverage at all. Additionally, having access to treatment without a waiting period can give policyholders peace of mind knowing they have financial protection when it comes to their oral health.

Best Dental Insurance Plans With No Waiting Period

Finding the right dental insurance plan with no waiting period can be daunting and overwhelming. That's why it's important to compare your options carefully and choose a plan that best fits your needs. In this section, we will provide an overview of the best dental insurance plans with no waiting period, comparing different providers and plans so you can make an informed decision. We'll also explore how you can maximize your coverage to ensure you get comprehensive protection at a price that suits your budget.


Humana offers no waiting period with four of its seven dental plans and the options and benefits available are some of the best in the industry. You can choose from a PPO Plan, HMO or a Dental Discount Plan with some of the lowest premiums out there. The Preventive Value Individual and Dental Loyalty Plus plans provide PPO coverage and coinsurance rates for basic and major services decrease every year you stay with the plan if you choose Dental Loyalty Plus. Humana's Dental Value is an HMO that has no deductible or annual maximum, while Dental Savings Plus is an affordable dental discount plan costing just $6.99 per month which offers discounts of 20% to 40% when you visit one of 160,000 participating dental care locations — including a 20% discount on orthodontics. With Humana's dental insurance plans, you can get access to quality care without having to wait, making it easy to find low-cost coverage that fits your needs.

Pros and Cons:

The major positive of Humana's Dental Insurance Plans With No Waiting Period is that customers can access the care they need without a waiting period or other delays. Additionally, some plans provide discounts for procedures such as orthodontics which can help to save money when compared to traditional dental insurance plans. On the downside, these plans may not be suitable for those who need more extensive services like root canals as they may be excluded from coverage. Furthermore, premiums on these plans may be higher than other forms of dental insurance available. Ultimately, Humana’s Dental Insurance Plans With No Waiting Period have pros and cons that should be taken into account before making a decision about whether or not to purchase one of these plans.

Delta Dental

According to Investopia, Delta Dental is one of the largest dental insurance providers in the country, with a network of more than 364,000 dentists and serving over 80 million customers. They offer a variety of plans for both individuals and businesses at competitive prices. The only plan without a waiting period is the HMO plan, DeltaCare USA, which features copayments instead of coinsurance rates as found with PPO plans. With this plan, cleanings have a low copayment of just $20 while fillings range from $25 to $120 and root canals cost from $240 to $400. There are no deductibles or annual maximums but certain services like implants are not covered. Teeth whitening does come with a copayment of $125 however. The plan also offers coverage for orthodontics for both adults and children which is uncommon amongst other policies that limit treatment to those aged 19 or younger. Be aware that you will need to pay for your entire year's premiums beforehand along with a $10 enrollment fee.

Pros and Cons:

Delta Dental's Dental Insurance Plan With No Waiting Period offers a wide variety of benefits that make it an attractive choice for many customers. Customers don't have to worry about waiting periods, deductibles, or annual maximums, making this plan much easier to use than other traditional dental insurance plans. Additionally, there are copayment structures in place that can help customers save money compared to coinsurance options on other plans. On the downside, certain services such as implants are excluded from coverage under this plan and the upfront cost of paying for an entire year's premiums at once is something to consider. Ultimately, Delta Dental's Dental Insurance Plan With No Waiting Period has advantages and disadvantages that should be taken into account before making a decision.


MetLife's Veterans Affairs Dental Insurance Program (VADIP) waives the traditional waiting period on policies for retired service members. There are two coverage levels, Basic and High, with monthly premiums ranging from $28.89 to $71.53. A $50 deductible applies to both plans although only the high plan applies out-of-network. Annual maximums range from $1,000 to $3,500 depending on the plan and if you're using an in-network or out-of-network provider. In-network preventive care is covered at 100%, while basic services have a 50%-70% coverage rate and major services have a 30%-50% coverage rate. The High plan is required for orthodontic treatment and has a 50% coverage rate but with a wait time of 24 months before treatment can begin. As an established insurance provider since 1868, MetLife holds an A+ rating with AM Best for its financial stability and reliability.

Pros and Cons:

One of the biggest advantages of MetLife's Dental Insurance Plans With No Waiting Period is that it can be tailored to fit different needs and budgets due to its two coverage levels. The copayment structures also mean that customers can save money when compared to coinsurance rates on other policies.

But there are some trade-offs to keep in mind. For example, some services such as x-rays may have low coverage rates, and additional services may require an extra fee. Also, premiums can be quite expensive depending on the plan chosen and deductibles may still need to be met in order for any claims to be valid. Ultimately, it is important to weigh all the pros and cons of these plans before deciding which one is right for you.

Spirit Dental

Spirit Dental is an exception among dental insurance providers, as it does not require a waiting period for major services on any of its policies. This unique feature makes Spirit Dental stand out from the competition, offering customers more immediate access to advanced treatments without any added delays.

Spirit Dental allows you to easily get a quote online to review potential monthly premiums. One major benefit is that each plan has a low lifetime deductible of just $100 per person, and the annual maximums range from $750 to $5,000 for added flexibility. Customers also have the option of in-network or out-of-network coverage, though it's important to note that out-of-network coverage usually has higher premiums.

The policy does not impose any waiting period on major services, yet there is still a 10% to 25% cost share for these procedures in the first year, which then increases to 50% to 65% in the third year. This coinsurance rate is comparable to or better than other insurance providers.

Pros and Cons:

One of the major benefits of Spirit Dental's plans is that they don't impose any waiting periods, allowing customers to gain access to needed services quickly. Additionally, the $100 lifetime deductible is quite low compared to other insurers, and their annual maximums span a wide range of coverage options.

However, one potential drawback is the difference in cost-sharing between in-network and out-of-network coverage. As with most insurance providers, out-of-network coverage tends to be more expensive in terms of monthly premiums. Furthermore, for most services, there is still a coinsurance rate for the first 3 years of up to 25%.


Ameritas Dental insurance plans provide quick access to essential services with no waiting period. The lifetime deductible is $100, and they offer a wide range of coverage levels from $750 to $5,000 in annual maxes. They also have several options for in-network and out-of-network coverage, though the latter will be more expensive when it comes to monthly premiums.

Customers should also be aware that there is still a coinsurance rate of up to 25% for most services during the first 3 years of coverage. This rate can eventually increase up to 50%-65% in the third year depending on the plan chosen.

Pros and Cons:

Customers of Ameritas Dental insurance plans can take advantage of the company's numerous discounts, including its loyalty program that rewards returning customers with 10%-20% off services. Additionally, their tiered network allows for more flexibility and the ability to pick a plan based on individual needs.

One downside of Ameritas Dental is its limited customer service availability. Unlike other insurers, they don't have toll-free numbers available 24/7 and instead rely on email support and online resources for customer queries. Furthermore, reimbursement payments can also be slow compared to some other providers in the market.


If you're looking for dental insurance coverage with no waiting period, UnitedHealthcare might be the perfect fit for you. With seven of their ten plans offering immediate access to both preventive and basic services, customers can quickly get the care they need without having to wait. Furthermore, all policies come with competitive coinsurance rates that decrease over time.

While some UnitedHealthCare plans cover major services, they usually require a six-month wait before taking effect. Additionally, only one policy offers orthodontics coverage; however, it won't begin until 12 months after the start date of the policy.

When customers choose UnitedHealthCare Dental insurance plans, they can expect competitive coinsurance rates for preventive and basic services, with most policies covering 100% of preventive services from the first day. Out-of-pocket costs decrease annually for other procedures, with many plans offering an initial 50% rate on basic services in the first year that reduces to 35%, then 20%, by the third year.

Pros and Cons:

UnitedHealthCare's Dental Insurance Plans With No Waiting Period have several advantages. Most notably, customers have immediate access to both preventive and basic services, meaning they don't have to wait to receive the care they need. Additionally, Coinsurance rates for preventive and basic services are competitive compared to other policies on the market.

The primary disadvantage of these plans is that fewer services and procedures are covered than with some other policies, so individuals seeking more comprehensive coverage may be better served elsewhere. Furthermore, while many plans do not require a waiting period for certain treatments or procedures, there is often a waiting period of six months or more for major services and one year for orthodontics.

Denali Dental

Denali Dental offers a selection of no-waiting-period dental insurance plans. These plans provide customers with quick access to preventive and basic services, without having to wait for the coverage to begin. This makes them an ideal choice for those seeking immediate protection against dental costs. Coinsurance rates are competitive with those offered by other providers and customers can often find cost savings thanks to discounts on dentists in the Denali Dental network.

In addition, many of these plans offer riders that specialize in certain types of care, such as vision or orthodontics, at a reduced cost. However, like other policy types, these plans do not cover all treatments and procedures and may be limited when it comes to major services like crowns or bridges.

Pros and Cons:

Denali Dental's no-waiting-period dental insurance plans are beneficial for customers who require immediate coverage. These plans also offer competitive Coinsurance rates, as well as discounts on dentists in the Denali Dental network that can lead to even further savings. Additionally, more specialized riders are available for vision and orthodontics. On the downside, these plans may not cover the full scope of treatments or services some individuals need, including major procedures like crowns or bridges. Furthermore, there is often a wait period of six months or more for major services and a one year waiting period for orthodontics, even though no waiting period is required for other treatments or procedures.

The Bottom Line

Finding the best dental insurance with no waiting period can be a challenge, but there are plenty of reliable options out there. These plans offer comprehensive coverage with no waiting period while providing competitive coinsurance rates, discounts on dentists in the network, and specialized riders for additional savings. Whether you are looking for an all-in-one solution or customized features to tailor your coverage, these no-waiting-period plans provide a great option for those seeking quick, comprehensive protection from dental costs.

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