Dental Insurance with No Waiting Period

Use your dental benefits immediately

Finding a dental insurance plan with no waiting periods that meets your immediate needs can be challenging. Unlike traditional dental insurance, Spirit Dental prioritizes simplicity and ease of access to dental care for preventive, basic, major and child orthodontia services without the wait.

Our dental insurance plans have no waiting periods for coverage to begin. Plus, with next-day effective dates, you'll get instant access to a wide range of dental services—from routine checkups to dental implants—as early as tomorrow.

No waiting period dental insurance helps you:

• Gain immediate access to care to maintain a healthy smile
• Save instantly on a wide range of dental care procedures
• Alleviate pain-related dental issues
• Reduce stress and uncertainty
• Enhance your overall health and well-being

Get your free dental quote today, compare affordable options in your area and start using your full coverage dental plan benefits from day one with Spirit Dental.

Get peace of mind with dental insurance with no waiting period from Spirit Dental

When you buy a no-waiting period dental insurance plan from Spirit Dental, you gain peace of mind and comfort knowing that you will have dental coverage when needed.

Choosing the best dental plan with no waiting period

When shopping for the best dental insurance with no waiting period, you likely have specific needs in mind. Here are scenarios where a no-wait dental plan works best:

Immediate coverage for major services

Major dental care services like crowns, dentures and implants can quickly become expensive. Facing these needs can be stressful and painful. Finding a dental plan that provides immediate access to necessary procedures helps with significant savings and long-term health. 

Our no-wait dental plans offer comprehensive coverage for a wide range of major dental services, including:

• Root canals
• Crowns
• Bridges
• Dental implants
• Oral surgery
• Periodontal treatments
• Child orthodontia (braces and Invisalign)
• And more

Supplemental dental insurance

If you already have a dental plan or are on Original Medicare, supplemental dental insurance can help alleviate your out-of-pocket costs for expensive major care services. Spirit plans do not coordinate benefits, meaning they’ll pay from the entire amount—a huge benefit to you. Plus, your supplemental coverage begins instantly without the wait.

Emergency dental care needs

Emergencies such as a chipped tooth, severe toothache or a deteriorating crown may require immediate attention. Our no-wait dental plans with next-day effective dates and guaranteed acceptance ensure prompt access to dental care as early as tomorrow.

Child orthodontia

Your child’s smile helps them feel confident and focus on their academic studies. Waiting a full year for braces or Invisalign coverage to begin might not be feasible. With no waiting periods for child orthodontia, you can schedule an orthodontic appointment on day one of your plan’s start date, kickstarting their restored smile without delay.

Standalone dental plan with Medicare

Finding a dental insurance plan you can count on with comprehensive coverage complements your Medicare plan by filling the gaps in dental care. As aging teeth begin to fade, having coverage when you need it ensures your oral health stays protected.

Frequently asked questions

What is a waiting period?

In dental insurance, a waiting period is when you have to wait after signing up before certain coverage begins. Spirit Dental was one of the first companies to offer no waiting periods for all covered services.

How does a PPO dental insurance plan with no waiting periods work?

One overlooked advantage of dental insurance is the discounted rates negotiated with PPO plans. These reduced rates help you save instantly on covered procedures. As a result, this automatically lowers your out-of-pocket cost in addition to your plan benefits.

Here’s how that works for a $1,000 dental crown procedure with a no-wait PPO plan from Spirit Dental: 

• Dentist rate: $1,000 dental crown
• 25% in-network rate: $850—$250 savings
• 25% major service coverage: $662.50—$187.50 savings
• Total savings: $437.50 ($250+$187.50)

(This example is for illustrative purposes only. Actual pricing and coverage may vary.)

What’s the cost of delaying dental care?

When it comes to oral health, there’s no time to waste. Tooth decay left untreated allows cavities to worsen. As decay progresses, the cost of treatment escalates. What could have been a simple $100 filling might turn into a $1,000 crown, a $2000 implant or even an emergency room visit.

To prevent dental issues, visiting your dentist for preventive cleanings and checkups annually is crucial. When you need coverage for a procedure, dental insurance with no waiting periods provides peace of mind, ensuring you get the immediate access you need to restore your oral health.

What types of no waiting period dental plans do you offer?

We have various dental plans with no waiting period to help fit whatever budget and dental needs you may have, including:

• Spirit PPO dental insurance plans
• Spirit Flex dental insurance plans (PPO plus indemnity coverage)

What does full coverage mean?

Full coverage means your insurance plan covers a wide range of services—it does not mean it will cover everything 100%. Our plans offer immediate full coverage with no waiting periods for all covered services. Be sure to check individual plan details to ensure the procedure you need is covered.

How does coinsurance work?

Coinsurance splits the cost with your insurance plan. Once your deductible is met, you pay a percentage of the cost, and the insurance plan covers the rest—up to the annual max.

What is an annual max?

This is the maximum amount your insurance will pay for covered services in a year. Once you reach the annual max, you will be responsible for paying for any additional dental expenses out-of-pocket until the start of the next policy year. Spirit Dental offers one of the highest annual maximums up to $5,000 in year three with our Spirit Pinnacle PPO plan.

Why choose a PPO dental plan?

A Preferred Provider Organization (PPO) dental plan offers a network of dentists who have agreed to provide services at discounted rates to plan members. You’ll also receive the flexibility to choose any dentist, whether they’re in-network or out-of-network, without needing a referral.

Both Spirit PPO plans and Flex plans offer PPO benefits with access to the Ameritas Dental Network. As the name implies, Spirit Flex plans are also indemnity dental plans offering the best coverage for out-of-network dentists at the 80^th UCR percentile.

Do I pay a deductible?

Yes, a deductible is the amount of money you must pay out-of-pocket for covered services before your dental insurance plan begins to pay for covered expenses. At Spirit Dental, you’ll have a lifetime deductible, meaning you’ll only have to pay this once and never again.

*Each plan’s coverage varies.

**There are no waiting periods for Preventive, Basic or Major services on the Spirit Dental plans. However, if you select a plan with Orthodontia services you may find, depending on your state of residence, a waiting period for this service.