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What is the difference between an immediate coverage plan and a plan with no waiting periods?

Dental Shop Staff Writer | March 15, 2018

When shopping for dental insurance you will probably hear the words "No waiting periods" and "Immediate coverage" a lot. Sometimes consumers think that these mean the same thing but there are some very important differences between the two. Continue reading below to learn more about the differences between a plan that has no waiting periods and a plan that has immediate coverage.

 

A plan that has no waiting periods means that once that plan has gone into effect there are no waiting periods for any of the covered services. For example, if you were to purchase a no waiting period dental insurance plan on March 15th with an effective date of April 1st, on April 1st you would be able to use any of the benefits covered by the plan. You would not receive any benefits from the time you enroll in the plan until the day your plan goes into effect.

 

 An immediate coverage plan means that as soon as you enroll in that plan your coverage begins. These plans may still have waiting periods for specific services however. For example, if you were to purchase an immediate coverage plan on March 15th you would be able to use that coverage same day (sometimes next day can still be considered immediate coverage). However if you need major work done (root canal, crown, dentures, implants, bridges, etc...) you may have to wait 6 months to a year for some of those services.

 

When purchasing a dental insurance plans these are very important distinctions so make sure you understand the coverage you are buying and if you would like selecting a dental insurance plan you can send us an email at sales@dentalinsuranceshop.com or you can call and talk to a licensed insurance agent at 855-871-2242.

Category: Individual Dental
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