In this world of same-day deliveries, you’d think you can use dental insurance right after buying it. What’d be the point of delaying your benefits? With that said, your policy only “kicks in” once your dental insurance waiting period ends; it doesn’t apply otherwise. You’d thus do well to learn about this special timespan – its role, how it works, etc. So, here’s a primer on dental insurance waiting periods from your local Coppell dentist.
What’s a Dental Insurance Waiting Period?
Sadly enough, your insurance isn’t immediately “available” after purchase. You’ll have to face a special waiting period before you can enjoy its perks.
A dental insurance waiting period is the time that passes before your benefits apply. As long as it’s active, your policy won’t cover the dental services you get; you’ll have to pay entirely out-of-pocket. This waiting period can also vary by insurance provider, lasting longer or shorter timeframes. The duration of yours will depend on the details of your policy.
Why Does This Period Exist?
Though it may seem odd, a dental insurance waiting period doesn’t exist for no reason. This stretch of time plays a key role in the world of dentistry.
The waiting periods help plan providers make money. Unless they exist, someone might get insurance for immediate care and drop it right afterward. Insurance companies would lose out on monthly premiums in such a scenario, facing reduced profits. Waiting periods make policyholders pay premiums for a set amount of time, even when their oral health is fine.
Put another way, waiting periods are the “insurance” for dental insurance providers. They make it less expensive for insurance companies to cover your care.
When Does (or Should) It End?
How long a waiting period “runs” depends on your desired care. Often, its length will differ according to the following service categories:
- Basic Care: For treatments like dental sealants or fillings, the insurance waiting period is only three to six months.
- Preventive Care: Preventive dental care is medically necessary, so it almost never faces waiting periods. Your insurance should cover checkups, cleanings, and x-rays immediately.
- Major Care: Since dental crowns, bridges, and implants are complex, their insurance waiting periods are usually longer. They can take anywhere from six months to a year.
Beyond the points above, don’t hesitate to learn more about dental insurance waiting periods. You can always contact your plan provider or dentist for details!
About the Author
Dr. Donna L. Kiesel is a dentist based in Coppell, TX, having earned her DDS from the Baylor College of Dentistry. She holds expertise in preventive, cosmetic, and even restorative dental care, so you can trust her to provide comprehensive help for your smile. Whether you need a simple checkup or complex dental implants, she and her team have you covered! Today, Dr. Kiesel practices at her self-titled clinic and is reachable on her website and by phone at (972)-420-4488.