PPO Dental Insurance with No Waiting Period - Dental Jobs Expert

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PPO Dental Insurance with No Waiting Period

Before we talked about the family or individual PPO dental insurance with no waiting period, let’s see the definition of waiting period in dental insurance first.

Just as the name indicates, the waiting period in a dental insurance means the time required before you can avail the benefit of your dental insurance. Waiting period is a mean used by dental insurance companies as a protection from fraud. As you know, there are some irresponsible individuals, who only plan to purchase a dental insurance for a short time because they want to use the insurance when they have to have an expensive dental treatment, and after that they are planning to stop the insurance. There are many people abusing the plan back when there are still some companies offering a family or individual dental insurance with no waiting period plan.

PPO dental insurance no waiting period images

Individual PPO Dental Insurance with no Waiting Period

That said, not all dental procedure requires waiting periods. In most of the PPO plan today there are some classifications among the benefits. Some don’t require waiting period, some require mid-range waiting period, and some require longer waiting period. Each of the company may have different perspective and policy, so which treatment got the waiting period time depends on the plan you’ve purchased.

What are the services that have no waiting periods in PPO dental insurance?

In general, the PPO dental insurance offers no waiting period for preventive and basic dental procedures. The waiting period is applied for major dental procedure or advanced treatments.

According to Animated-teeth, preventive and diagnostic dental procedures include:

  • Routine dental examinations (ideally twice a year)
  • Teeth cleanings (twice a year)
  • Bitewing x-rays (once a year)
  • Full-mouth x-rays (once every three years)
  • Periapical x-rays
  • Fluoride treatments
  • Space maintainers (may be a Basic service, depending on the plan)
  • Tooth sealants (may be a Basic service, depending on the plan)

Meanwhile, here’s the list of basic dental procedures:

  • Amalgam fillings
  • Composite fillings (white fillings)
  • Sedative fillings
  • Routine tooth extractions
  • Root canal treatment
  • Periodontal scaling and root planing
  • Emergency care for pain relief
  • Stainless steel (prefabricated) crowns
  • Recementing dental crowns

Usually the basic dental procedures have one to six months of waiting period

PPO dental insurance without waiting period images

Last but not least, here’s the list of major dental procedures (which may have six months to one year of waiting period)

  • crowns (may be a Basic service)
  • inlays and onlays
  • bridgework
  • tooth implants
  • impacted wisdom teeth removal (may be Basic)
  • complex oral surgery procedures
  • removable partial dentures
  • complete dentures
  • denture relines and rebases
  • denture repair
  • orthodontic treatment

Conclusion

Currently there is no individual PPO dental insurance with no waiting period available in the United States. The waiting period is important for the PPO dental insurance companies because it protects them from fraud, hence making sure that they can give their service to their customers for a long time.

There are of course other alternatives that can provide you with some dental benefit with no waiting periods. These alternatives include dental discount plan, dental financing or cash benefits. We will discuss about these plans with no waiting periods at other time.

I hope this information about family or individual dental insurance with no waiting period can save your time searching for something that doesn’t exist.

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