What Dental Insurance Can I Use Immediately?

There are some things that dental insurance does really well: preventive care cleanings and exams covered 100%, easy access to trusted care and in-network savings from a participating provider—plus, it’s much cheaper than health insurance premiums (and, yes, both protect your overall health and wellbeing while providing financial security for the big ones).

However, there are some things dental insurance doesn’t do so well: waiting periods for basic, major and orthodontia services, low annual maximums that cap yearly benefits and finding a provider in-network—especially in rural areas—can be tough.

When you need dental insurance fast, specifically for major dental work like crowns, extractions, dentures and root canals, it can be difficult to find the best plan for your specific needs:

• No waiting periods for my procedure
• Activation date of the plan ASAP
• Coverage that saves me money
• Dentist will accept my plan
• A monthly premium that fits my budget

Are there dental plans without waiting periods to get immediate major service coverage?

Yes—Spirit Dental is one of the dental insurance companies that offer no waiting period dental insurance for major services with next-day effective dates and PPO access to 25-50% discounted rates.

What does it all mean? Let’s break it down.

What does “immediate dental coverage” actually mean?

Let’s start with the term coverage. Coverage is your benefits working to reduce your out-of-pocket cost. For dental insurance, there are 4 main types of dental categories that work with dental insurance:

• Preventive: Cleanings, X-rays, exams—typically covered 100%.
• Basic: Simple extractions, comprehensive X-rays and maybe fillings—typically covered from 50-80%.
• Major: Crowns, root canals, dentures, endotontics and periodontics—typically covered 20-50%.
• Orthodontia: Braces, Invisalign—typically covered from 25-50%.

As you can see, the more expensive the procedure, the less coverage you’ll receive. One reason for this is that it helps to keep dental insurance premiums lower for everyone. If there was more coverage offered for major services, then you’d see premiums go up.

It’s important to note, dental insurance is rooted in preventive care. The idea is the more you show up for preventive services, the less likely you’ll need major coverage.

When it comes to “immediate dental coverage,” you’ll want to find a dental insurance plan that has a no waiting period policy that covers your specific procedure need, and that your dentist will accept.

What’s the best dental insurance that starts right away?

Saying this lightly—it depends.

• Do you need immediate full coverage dental insurance that provides benefits for preventive, basic, major and ortho?
• Do you just need coverage for one major service procedure?
• Does your dentist accept the plan?

For some, dental savings plans work great as they act like coupons and provide instant savings on covered procedures. (Read: Dental Savings vs PPO)

For others, it’s a PPO plan with a no waiting period policy that covers your needs and provides the extra savings in-network. *One of the most overlooked aspects of dental insurance is simply the reduced rates you’ll receive when visiting an in-network dentist—a huge boost in instant savings.

You don’t have to be a dental insurance expert to find the best option—but you will have to do your research and read the fine print. If this doesn’t sound like something you’re up for, we’ve got you covered: 844-833-8440, or chat live with us online. No pressure. Just friendly guidance.

How Spirit Dental provides coverage you can use immediately

There’s so much at stake when waiting for dental care. There’s no time to waste. Your dental insurance should actually work when you need it. And that’s what Spirit Dental does:

• No waiting periods for preventive, basic, major and child ortho services
• Next-day effective dates (coverage starts as soon as tomorrow)
• High annual maximums that grow with you (up to $5,000)
• A lifetime deductible you only pay once
• Up to 3 cleanings a year covered 100%
• 25-50% in-network savings with the Ameritas PPO Network

Enjoy the no waiting period policy. Stay for the lifelong benefits of affordable dental insurance protection. Compare affordable dental insurance plans and get a quote today.

*Spirit Dental is proud to have offered no waiting period dental insurance straight from the beginning. Over 20 years ago, we came out of the gate to bring better dental benefits for everyday people, with no waiting periods.