Congratulations on your new dental insurance! Whether you’ve started a new job or simply selected a different provider, learning the many benefits of your new plan can be a little overwhelming. Many patients are confused when they learn that their coverage has a waiting period. Here’s what this means, how long it could last, and which benefits you can usually start using right away.
What is a Dental Insurance Waiting Period?
A dental insurance waiting period is the duration of time before your full dental coverage begins. Typically, this lasts between six months to a year, depending on your individual policy. During a waiting period, your plan may not cover all dental procedures (like crowns, dental implants, or bridges) but routine care like your biannual exam and cleaning typically is.
Keep in mind that not every plan will have a waiting period. In some cases, if you have simply switched dental insurance providers, your new provider may even waive the waiting period if you can prove that you were covered by another plan within the last 63 days.
Why Do Dental Insurance Companies Have Waiting Periods?
The idea behind the waiting period is that when everyone takes care of their smile, costs remain low. Dental insurance places a heavy emphasis on preventive care over treatment, which is why your check-ups are usually fully covered, and restorations are not. Insurance companies also don’t want patients to simply buy insurance to cover costly procedures and then cancel their policy immediately after.
How Can I Tell if My Dental Insurance Plan Has a Waiting Period?
To find out if your plan has a waiting period, contact your HR department, or call your dental insurance provider directly. You can also verify coverage with your dentist’s office prior to coming in, so there’s no unexpected surprises at check-out.
Remember, dental insurance was designed to provide important preventative care for your smile, but some plans may have an initial waiting period before your full coverage kicks in. For a more detailed understanding of what your individual policy covers, please reach out to your insurance provider, employer, or the friendly team at your dentist’s office!
About Our Practice
At Dental Group of Jefferson, we understand the importance of affording your oral health care, which is why we are proud to be in-network with a variety of dental insurance providers. If you don’t see your insurer or plan listed, we’re happy to provide the same high level of dental care for you and your family, and we’d be pleased to assist you with filing your out-of-network claims.
To confirm your coverage and schedule an appointment with Dr. Hammond or Dr. Pichler, please call us 440-576-7040.